Zamiast ZUS będzie BFUS

Autor: Paweł Lechowski 2009-03-29 23:30:00 Ilość odsłon: 8851 Kategoria: Portal

Bankructwo Zakładu Ubezpieczeń Społecznych wydaje się nieuchronne. W tym roku na wypłaty emerytur ZUS musi pożyczyć 5 mld zł. Na naszych oczach rozpada się piramida finansowa ZUS.  Co mają robić ludzie którzy dopiero co zaczęli opłacać tzw. składki w kwocie 700 zł miesięcznie. Czy wiedzą jaka emerytura będzie na nich czekać za 40 lat? Nie wiedzą. Spowolnienie gospodarcze wymusiło na  ekspertach przygotowanie wariantu alternatywnego ubezpieczenia. W TV Superstacja zaprezentowany został BFUS - Butelkowy Fundusz Ubezpieczenia Społecznego. Kapitał podstawowy mierzony będzie w pustych butelkach po piwie zbieranych przez ubezpieczonego codziennie przez 40 lat. Dodatkową atrakcją tego systemu jest to, ze butelki mogą pochodzić z konsumpcji własnej.  Przyjmijmy, że jedna butelka piwa kosztuje bez kaucji 1,95 zł a z kaucją 0,35 zł , kosztuje 2,30 zł. Za 700 zł marnowane co miesiąc w ZUSie kupimy 304 butelki piwa, które po opróżnieniu będziemy odkładać na Butelkowy Fundusz Ubezpieczenia Społecznego. Z prostego wyliczenia wynika, że przez 40 lat do emerytury nazbieramy 145 920 butelek (40x12x304). Ustawowy wiek przechodzenia na emeryturę to 60 lat dla kobiet i 65 dla mężczyzn. W Polsce średni czas życia wynosi 80 lat dla kobiet i 71 dla mężczyzn. Mężczyznom  zostaje średnio  6 lat życia na emeryturze. W tym czasie będą korzystać z BFUS-u.  145 920 butelek przypada więc na 6 lat, czyli 72 miesiące, co daje 2027 pustych flaszek miesięcznie, każda po 0,35 zł w sumie 709 zł. I o to właśnie chodziło. Mamy pewną emeryturę  i wartość dodaną w postaci 73 hektolitrów piwa.          




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