Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Ont-solidarisering, liberalisering en individueel kapitaliseren van pensioen: pas op!

Posted on May 27, 2014 at 5:15 AM

Pensioen is een regeling waarbij mensen zorgen dat ouderen, zieken en nabestaanden van overleden verzorgd blijven worden. Pensioen is een fenomeen dat al zou oud is als de weg van Kralingen. Of eigenlijk nog ouder. Het bestaat al sinds het begin van onze beschaving.

 

Wubbo Ockels heeft het zo mooi beschreven in zijn afscheidsbrief: Het doel van ons leven is om te overleven. In de oudheid was men daar de hele dag mee bezig. Mammoeten schieten voor het vlees en de huiden. Gewassen verbouwen voor aanvullende voeding. Dak boven het hoofd door middel van een grot. En zorgen voor nageslacht. Jongeren die taken van de ouderen konden overnemen zodra de ouderen dat niet meer konden. Maar ook als iemand ziek was of als een partner was overleden zorgden dan anderen voor eten. En warmte. Geen mens werd verstoten.

 

Later werd het anders. Werken werd niet langer: het schieten van mammoeten en het verbouwen van gewassen. We gingen opdrachten doen voor anderen. Kregen daar geld voor en van dat geld konden we (over-)leven.

 

Zeker sinds de industriële revolutie is het vrij gebruikelijk geworden dat mensen niet meer zelf dieren hielden en gewassen verbouwden. Men werkte voor een baas, kreeg geld en daarvan kon men de levensbehoeften betalen.

 

Maar wat nou als men (te) oud was om te werken? Of ziek? Of overleden en er afhankelijke nabestaanden waren? Dan was er familie. Of de kerk. Of charitatieve instellingen. De geholpenen kwam er meestal wel bekaaid van af. Dus werd er bedacht hoe men die mensen met geld kon helpen. Vanuit de staat. Maar ook vanuit werkgevers.

 

Pensioenfondsen zijn er niet gekomen omdat de overheid dat per sé wettelijk wilde. Ze waren er al voordat de Pensioen- en spaarfondsenwet werd ingesteld. Alleen omdat het een aantal keren toch fout was gegaan besloot de overheid tot meer werknemers-bescherming. ALS pensioen werd toegezegd DAN de gelden onderbrengen bij een pensioenfonds of een verzekeraar. En regels voor die fondsen en verzekeraars En als men binnen een bedrijfstak dat wilde (werkgevers én werknemers!) dan kon er een verplichtstelling worden gevraagd in een bedrijfstakpensioenfonds.

 

Op die manier is een uitstekend pensioensysteem ontstaan in Nederland! Alom geroemd. Er zijn mensen die dat systeem willen uithollen. Er zou meer keuzevrijheid moeten komen. Minder solidariteit tussen jongeren en ouderen. Staatssecretaris Klijnsma lijkt gevoelig voor deze argumenten.

 

Het programma EZ van de VARA van 23 mei 2014 (klik hiernaast hier) toont aan dat mensen over het algemeen minder de goede beslissingen (kunnen) nemen dan door de rationelen in de financiële sector wordt gedacht. En zeker niet langer dan tien jaar (en dat is al lang) vooruit willen kijken. Bij de analyse van mijn boek ‘De consument is financieel bewusteloos . . . nou en?’ constateer ik – op basis van meerdere wetenschappelijke onderzoeken – hetzelfde.

 

Het is daarom goed om te vast te stellen – zoals ik in mijn boek doe – dat pensioen een verzekering is. Per definitie is men in een verzekering solidair. Niet iedereen krijgt er uit wat men er in stopt. In geld althans. Maar zij die het nodig hebben worden geholpen. Dat heet solidariteit.

 

Opmerkelijk dat daarom mensen als Peter Verhaar (die in talkshows als ‘deskundige’ wordt opgevoerd) in een twitterberciht stelt dat pensioen en solidariteit niets met elkaar te maken hebben.

 

Moet er dan niets aan ons pensioensysteem veranderen? Natuurlijk mag dat. We moeten ons afvragen hoe ver de solidariteit moet gaan. Moet iedereen in staat worden gesteld eventueel tot zijn negentigste ieder jaar een cruise te maken van € 10.000? Of moeten we voorkomen dat iemand net niet omkomt van de honger. Daar ligt nog een grote weg tussen.

 

De jongere mensen - waarvan ik soms de geluiden hoor dat die senioren een toch wel heel best leven hebben ‘ten laste van portemonnee van die jongeren’ zou ik willen zeggen - verdiep je eens echt in wat geld in een mensleven doet. Verdiep je eens in de vraag waarom je opa of oma gekort worden op hun pesnioenuitkering….

En vergeet niet – zoals Gerard Riemen terecht in de uitzending opmerkte - dat senioren straks de economische motor van jouw omgeving zullen zijn.

 

Het is te hopen dat deze uitzending van EZ er aan bijdraagt dat we nog tot in lengte van jaren trots kunnen zijn op ons pensioensysteem. En dat zij die streven naar ont-solidarisering, liberalisering en individueel kapitaliseren niet hun zin krijgen. De financieel bewusteloze consument zit daar helemaal niet op te wachten.

Categories: Pensioen, Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

300 Comments

Reply jordan shoes
10:38 AM on December 31, 2021 
I enjoy you because of all of the hard work on this site. Debby really loves carrying out research and it is obvious why. I notice all relating to the powerful medium you offer practical guides by means of your website and as well encourage response from some others on this idea so our favorite daughter is truly discovering a lot of things. Have fun with the remaining portion of the new year. You are performing a fantastic job.
jordan shoes http://www.jordan11retro.us.com
Reply jordan 6
10:36 AM on December 31, 2021 
Thanks for your own effort on this web site. My mum really loves getting into internet research and it's easy to understand why. All of us learn all of the dynamic manner you offer precious secrets via your web blog and as well as encourage response from website visitors on that point then my child is really learning so much. Take pleasure in the rest of the year. Your conducting a pretty cool job.
jordan 6 http://www.jordan6.us.com
Reply steph curry shoes
10:35 AM on December 31, 2021 
Thank you for all of your hard work on this web page. My aunt really loves managing internet research and it's simple to grasp why. A lot of people hear all regarding the dynamic method you convey rewarding suggestions on your blog and therefore increase response from the others on that subject matter and our simple princess has been becoming educated a whole lot. Take advantage of the rest of the new year. Your conducting a great job.
steph curry shoes http://www.stephcurryshoes.com
Reply off white
3:47 PM on December 30, 2021 
Thanks so much for providing individuals with an extraordinarily memorable possiblity to read from this web site. It's usually very sweet plus stuffed with a good time for me personally and my office colleagues to search your site at the least 3 times every week to read through the fresh issues you will have. And definitely, I'm certainly impressed for the unbelievable secrets served by you. Some 1 facts in this article are rather the most suitable I've ever had.
off white http://www.offwhites.us.com
Reply yeezy boost 350
3:46 PM on December 30, 2021 
I simply wanted to write a remark in order to thank you for those superb recommendations you are showing at this site. My time-consuming internet investigation has at the end of the day been honored with awesome strategies to go over with my neighbours. I 'd state that that most of us readers are truly blessed to exist in a fantastic place with very many lovely people with very beneficial guidelines. I feel rather blessed to have seen the webpages and look forward to tons of more fabulous minutes reading here. Thanks once more for a lot of things.
yeezy boost 350 http://www.yeezy350boost.us.com
Reply yeezy
3:46 PM on December 30, 2021 
I must express my gratitude for your generosity for men who absolutely need help with that topic. Your very own commitment to passing the message across has been certainly significant and have constantly allowed workers just like me to attain their goals. The warm and friendly key points signifies much a person like me and further more to my mates. Thanks a lot; from all of us.
yeezy http://www.yeezy-700.com
Reply lebron shoes
3:45 PM on December 30, 2021 
Thank you for your own work on this site. My daughter really likes working on internet research and it's easy to see why. I know all relating to the powerful tactic you offer informative steps through the website and therefore boost contribution from others on the subject and my princess is without a doubt discovering a whole lot. Enjoy the rest of the new year. You're conducting a dazzling job.
lebron shoes http://www.lebronjames.us.com
Reply kd 12 shoes
3:44 PM on December 30, 2021 
I really wanted to send a simple word to express gratitude to you for those superb pointers you are giving out at this website. My incredibly long internet research has finally been rewarded with wonderful facts and strategies to exchange with my contacts. I would mention that most of us site visitors actually are undoubtedly endowed to be in a fine community with very many awesome people with very helpful methods. I feel truly happy to have encountered your entire website and look forward to many more pleasurable moments reading here. Thank you again for everything.
kd 12 shoes http://www.kd12.org
Reply kd shoes
6:02 AM on December 30, 2021 
I wish to show some appreciation to the writer just for bailing me out of this particular setting. As a result of surfing through the world wide web and getting opinions which are not powerful, I thought my entire life was over. Being alive without the answers to the issues you have solved by means of your entire short article is a critical case, and those which might have badly damaged my career if I hadn't discovered your blog. Your main knowledge and kindness in controlling almost everything was precious. I don't know what I would've done if I hadn't encountered such a solution like this. It's possible to now relish my future. Thank you so much for this impressive and result oriented guide. I will not think twice to propose the blog to anyone who needs to have direction about this area.
kd shoes http://www.kevindurantshoes.us.com
Reply bape outlet
6:00 AM on December 30, 2021 
I wish to show appreciation to this writer for rescuing me from this particular circumstance. Right after researching through the online world and finding methods which were not productive, I was thinking my life was done. Existing minus the solutions to the difficulties you have resolved through your entire post is a critical case, and ones that might have negatively damaged my career if I hadn't discovered your site. Your actual competence and kindness in handling all the details was crucial. I don't know what I would've done if I had not come upon such a stuff like this. I am able to at this moment look ahead to my future. Thank you very much for this professional and sensible guide. I won't think twice to propose your site to anybody who should get direction about this situation.
bape outlet http://www.bapesonline.com
Reply jordan 1 off white
8:54 PM on December 29, 2021 
My wife and i ended up being delighted when Raymond managed to deal with his analysis using the ideas he had when using the web pages. It's not at all simplistic to simply always be giving away key points which usually other folks have been selling. We grasp we need the writer to be grateful to because of that. All of the explanations you've made, the easy web site navigation, the friendships you help engender - it is mostly impressive, and it's facilitating our son in addition to our family consider that that concept is entertaining, which is certainly pretty pressing. Thanks for the whole lot!
jordan 1 off white http://www.offwhitexjordan1.com
Reply yeezy 700
8:54 PM on December 29, 2021 
I want to show thanks to the writer for bailing me out of this particular trouble. Because of browsing through the online world and obtaining ways which were not helpful, I thought my entire life was gone. Living devoid of the strategies to the difficulties you have fixed as a result of this article content is a serious case, as well as the kind which could have in a wrong way affected my entire career if I hadn't noticed the blog. Your own understanding and kindness in maneuvering every item was tremendous. I am not sure what I would have done if I hadn't discovered such a step like this. I am able to at this point look ahead to my future. Thanks so much for the high quality and sensible guide. I won't think twice to recommend your web site to anybody who should get care on this subject.
yeezy 700 http://www.yeezy700.us.com
Reply jordan shoes
8:54 PM on December 29, 2021 
I definitely wanted to send a quick remark so as to express gratitude to you for all of the great pointers you are sharing here. My rather long internet look up has finally been rewarded with wonderful suggestions to share with my pals. I 'd admit that we readers are quite lucky to exist in a wonderful site with so many awesome people with interesting advice. I feel truly privileged to have encountered the webpages and look forward to so many more fun times reading here. Thanks once more for all the details.
jordan shoes http://www.airjordansstore.com
Reply kyrie 7
8:53 PM on December 29, 2021 
I would like to express thanks to this writer for rescuing me from this particular crisis. Just after browsing through the world wide web and obtaining views which were not helpful, I thought my entire life was well over. Living devoid of the answers to the problems you've sorted out by means of your entire website is a serious case, and those that might have negatively affected my career if I had not come across your website. That natural talent and kindness in dealing with everything was very useful. I am not sure what I would've done if I had not come upon such a stuff like this. I am able to at this point look ahead to my future. Thanks a lot very much for this high quality and results-oriented guide. I will not hesitate to propose your web blog to any individual who requires direction about this situation.
kyrie 7 http://www.kyrie7.us
Reply birkin bag
8:53 PM on December 29, 2021 
I simply wanted to thank you very much again. I do not know the things that I would have created without the solutions provided by you on such problem. It seemed to be the depressing circumstance for me personally, however , taking a look at a skilled style you managed the issue forced me to cry over happiness. I'm just thankful for the assistance and even hope that you realize what a great job you happen to be undertaking training other individuals through the use of a blog. More than likely you haven't met all of us.
birkin bag http://www.birkinbag.us.com
Reply cheap jordans
8:52 PM on December 29, 2021 
Thanks for all of your effort on this blog. My mom take interest in setting aside time for research and it's simple to grasp why. My partner and i hear all regarding the compelling manner you give good tips and tricks through the website and in addition foster participation from others on this situation plus our daughter is without a doubt starting to learn a great deal. Enjoy the remaining portion of the new year. You are always doing a terrific job.
cheap jordans http://www.cheapjordan.us
Reply kd shoes
8:51 PM on December 29, 2021 
Thank you a lot for providing individuals with remarkably special possiblity to read articles and blog posts from this site. It really is so great plus jam-packed with fun for me personally and my office co-workers to search your website not less than 3 times every week to study the fresh secrets you have. And of course, I am just actually fulfilled with your striking inspiring ideas you give. Selected two tips on this page are in reality the most beneficial I have ever had.
kd shoes http://www.kd10.us
Reply jordan 12
12:29 PM on December 29, 2021 
I intended to post you the little observation to finally give thanks the moment again for all the remarkable techniques you have contributed above. This is really surprisingly open-handed of people like you to offer freely exactly what many individuals might have offered for an ebook to make some dough on their own, mostly considering that you might well have done it if you desired. These principles as well acted to become good way to realize that other people online have similar interest similar to my personal own to learn good deal more in regard to this problem. Certainly there are a lot more pleasant sessions ahead for many who find out your site.
jordan 12 http://www.jordan12.us.com
Reply golden goose outlet
12:29 PM on December 29, 2021 
I must voice my respect for your kind-heartedness in support of those individuals that really want help with this one issue. Your very own commitment to passing the solution all-around has been exceptionally advantageous and has truly permitted folks like me to realize their aims. Your own informative instruction implies this much a person like me and somewhat more to my mates. Thanks a ton; from everyone of us.
golden goose outlet http://www.goldengooseoutletstore.com
Reply goyard handbags
12:28 PM on December 29, 2021 
I intended to put you that bit of observation to finally give many thanks again for these remarkable guidelines you've shown on this page. It has been simply particularly open-handed of people like you to make unreservedly all a lot of people could possibly have marketed for an electronic book to end up making some dough for themselves, particularly since you could have done it if you ever considered necessary. These things likewise acted to become a great way to fully grasp that most people have a similar interest much like my very own to find out great deal more in regard to this condition. I am certain there are millions of more pleasurable situations in the future for individuals that examine your site.
goyard handbags http://www.goyardhandbag.com