{"id":838,"date":"2019-01-26T00:01:21","date_gmt":"2019-01-25T22:01:21","guid":{"rendered":"http:\/\/johannahaggman.fi\/?p=838"},"modified":"2019-02-27T10:27:45","modified_gmt":"2019-02-27T08:27:45","slug":"elakkeiden-nosto-taysin-mahdollista-kayttamalla-elakerahastoja","status":"publish","type":"post","link":"https:\/\/johannahaggman.fi\/index.php\/2019\/01\/26\/elakkeiden-nosto-taysin-mahdollista-kayttamalla-elakerahastoja\/","title":{"rendered":"El\u00e4kkeiden nosto t\u00e4ysin mahdollista k\u00e4ytt\u00e4m\u00e4ll\u00e4 el\u00e4kerahastoja"},"content":{"rendered":"\n<p>Olisiko mahdollista, ett\u00e4 el\u00e4kkeit\u00e4 nostettaisiin k\u00e4ytt\u00e4m\u00e4ll\u00e4 el\u00e4kerahastoja. Kyll\u00e4. 20 vuoden aikana t\u00e4h\u00e4n tarvitaan 63 mrd. euroa eli rahastojen vuotuinen seitsem\u00e4n mrd. euron tuotto kattaisi t\u00e4m\u00e4n. Kyseinen summa olisi pois el\u00e4kelaitosten kansainv\u00e4lisist\u00e4 sijoituksista ja niiden tuotoista. P\u00e4\u00e4omaan ei tarvitse koskea. Tuosta kokonaissummasta valtio ottaa 10 mrd. \u20ac veroina p\u00e4\u00e4lt\u00e4 ja kun ostetaan palveluja ja tuotteita, valtio saa arvonlis\u00e4veroina saman verran. Eli valtio hy\u00f6tyy t\u00e4st\u00e4. Ennusteet el\u00e4kekustannuksista vuosikymmenien p\u00e4\u00e4h\u00e4n ovat arvauksia. V\u00e4liarviot lyhyemmill\u00e4 ajanjaksoilla mahdollistavat tilannearvion ja tarpeen tullen on mahdollisuus tehd\u00e4 muutoksia.&nbsp;Eli el\u00e4kkeit\u00e4 nostamalla k\u00e4ytt\u00e4en el\u00e4kerahastojen tuottoja, valtion verotulot kasvavat, ty\u00f6voimavaltaisten palvelujen kysynt\u00e4 kasvaa ja esimerkiksi toimeentulo- ja asumistukimenot v\u00e4henev\u00e4t.<\/p>\n\n\n\n<p>Suomessa on n. 1,5 miljoonaa el\u00e4kkeensaajaa, joista suurin osa on pienituloisia. Puolet heist\u00e4 saavat alle 1434 euroa el\u00e4kett\u00e4 kuukaudessa. T\u00e4ll\u00e4 vaalikaudella tehty kansanel\u00e4kkeen indeksij\u00e4\u00e4dytys on purettava seuraavalla hallituskaudella.&nbsp;Ylisuuret el\u00e4kkeet \u00e4rsytt\u00e4v\u00e4t. On kysytty, olisiko el\u00e4kekatto mahdollinen? Maksussa oleviin el\u00e4kkeisiin ei voi tehd\u00e4 el\u00e4kekattoa, koska niit\u00e4 ei voi pienent\u00e4\u00e4. El\u00e4kekatto edellytt\u00e4isi el\u00e4kemaksukattoa, mik\u00e4 puolestaan aiheuttaisi sen, ett\u00e4 suurituloisilla ty\u00f6ss\u00e4k\u00e4vij\u00f6ill\u00e4 el\u00e4kemaksut pienenisiv\u00e4t. T\u00e4m\u00e4 taas johtaisi siihen, ett\u00e4 kun rahaa tulisi v\u00e4hemm\u00e4n, kaikkien nykyisten palkansaajien el\u00e4kemaksuja pit\u00e4isi nostaa.<\/p>\n\n\n\n<p>Mit\u00e4 voidaan tehd\u00e4 pienel\u00e4kkeensaajien taloudellisen aseman helpottamiseksi? El\u00e4kerahastojen arvo ylitti 2017 n. 200 mrd. Nyky\u00e4\u00e4n n\u00e4iss\u00e4 rahastoissa on noin nelj\u00e4 kertaa enemm\u00e4n kuin mit\u00e4 valtion vuoden budjetti on. Rahastot ovat kasvaneet vahvasti viime vuosina, n. 8-12 mrd. euroa\/vuosi. Vuodenvaihteessa 2018 ty\u00f6el\u00e4kkeisiin tehtiin 0,55% korotus, mik\u00e4 nosti el\u00e4kemenoja 150 milj. euroa. Sit\u00e4 vastoin el\u00e4kerahastojen sijoitustuotto oli n. 14 mrd. euroa.<\/p>\n\n\n\n<p>Ty\u00f6el\u00e4kkeit\u00e4 maksettiin vuonna 2017 27 mrd. euroa. T\u00e4m\u00e4 rahoitettiin seuraavasti: 18,3 mrd \u20ac ty\u00f6el\u00e4kemaksuilla, 3,6 mrd \u20ac valtionosuuksilla, 0,8 mrd. \u20ac ty\u00f6tt\u00f6myysvakuutusrahastosta ja 4,3 mrd. \u20ac el\u00e4kevaroista. Taitettu indeksi otettiin k\u00e4ytt\u00f6\u00f6n -96. Sen piti olla vain v\u00e4liaikainen, mutta on nyt siis ollut k\u00e4yt\u00f6ss\u00e4 jo reilut 20 vuotta. Jos taitettua indeksi\u00e4 ei olisi otettu k\u00e4ytt\u00f6\u00f6n, el\u00e4kkeet olisivat s\u00e4ilytt\u00e4neet arvonsa paremmin. Taitetun indeksin my\u00f6t\u00e4 vuonna -14 keskim\u00e4\u00e4r\u00e4inen el\u00e4ke oli 1550 \u20ac. Jos k\u00e4yt\u00f6ss\u00e4 olisi ollut palkkaindeksi eli el\u00e4kkeet nousisivat samassa suhteessa kuin palkat, olisi keskim\u00e4\u00e4r\u00e4inen el\u00e4ke ollut tuolloin 2170 \u20ac eli n. 600 \u20ac enemm\u00e4n. Kokonaisuutena se tarkoittaisi 6 mrd. euroa enemm\u00e4n el\u00e4kkeisiin. <\/p>\n\n\n\n<p><strong>Johanna H\u00e4ggman<\/strong><br>Kesk. Eduskuntavaaliehdokas <br><\/p>\n\n\n\n<p> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Olisiko mahdollista, ett\u00e4 el\u00e4kkeit\u00e4 nostettaisiin k\u00e4ytt\u00e4m\u00e4ll\u00e4 el\u00e4kerahastoja. Kyll\u00e4. 20 vuoden aikana t\u00e4h\u00e4n tarvitaan 63 mrd. euroa eli rahastojen vuotuinen seitsem\u00e4n mrd. euron tuotto kattaisi t\u00e4m\u00e4n. Kyseinen summa olisi pois el\u00e4kelaitosten [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-838","post","type-post","status-publish","format-standard","hentry","category-uncategorized","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>El\u00e4kkeiden nosto t\u00e4ysin mahdollista k\u00e4ytt\u00e4m\u00e4ll\u00e4 el\u00e4kerahastoja &#187;<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/johannahaggman.fi\/index.php\/2019\/01\/26\/elakkeiden-nosto-taysin-mahdollista-kayttamalla-elakerahastoja\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El\u00e4kkeiden nosto t\u00e4ysin mahdollista k\u00e4ytt\u00e4m\u00e4ll\u00e4 el\u00e4kerahastoja &#187;\" \/>\n<meta property=\"og:description\" content=\"Olisiko mahdollista, ett\u00e4 el\u00e4kkeit\u00e4 nostettaisiin k\u00e4ytt\u00e4m\u00e4ll\u00e4 el\u00e4kerahastoja. 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