Lauri Karvonen, 25, is preparing for the collapse of the pension system
Pensions|In particular, saving under the age of 30 for retirement has become more common, according to a recent survey.
The abstract is made by artificial intelligence and checked by man.
According to a study by the Finnish Center for Pensions, only 40 % of people under the age of 30 rely on the pension system.
Lauri Karvonen, 25, a trade school student, does not believe he will receive sufficient pension and save himself for old age.
Karvonen believes that the pension system will collapse or retires that he will have a significant surgery during his lifetime.
From the School of Economics in the near future Lauri Karvonen25, trust in the Finnish pension scheme has declined.
« I don’t think that I would get enough pension in my time, even to cover my essential monthly housing and food flow. »
Karvonen is not alone with his thoughts. A recent survey of the Finnish Center for Pensions (ETK) According to just under 40 % of people under the age of 30, it is generally relied on in the pension system. At the same time, young people’s retirement savings have almost doubled in the last ten years.
In his report, ETK estimates that the proliferation of retirement savings may be due to impaired young people in the pension system.
HS asked readers how they were preparing for their retirement age. Many young people who responded to the HS survey expressed distrust of the pension system.
Karvonen No wonder that more and more young people are suspecting the sustainability of the pension system. He himself believes that during his lifetime, the system will either collapse or pensions will be significantly cut.
« If, unexpectedly, the returns of the (pension companies) investments do not grow or we do not have significantly more payers of earnings, then at some point we need to come up against the wall. »
Karvonen is influenced by Karvonen, for example, from news. For example, HS Midnight Kaninkolo Podcast for Youth Pensions period Got Karvonen recently to think about pensions. Although the episode was convincing and calming about Karvonen, it did not completely turn his head.
The topic has also been a hot topic in Karvonen’s circle of friends, where many are interested in the economy.
“Many times we are laughing, that what pension we supposed to get. ”
At the same time, however, Karvonen is aware of her thoughts a lot in her own feel. The scourge of worm figures for pension companies is not done.
Karvonen works on the private side of financial management and has a middle -income earnings. He currently puts about 20 percent of net income.
Most of this will be in the event of life changes in the near future, such as a possible homeowner or family increase. About a quarter of the pot is for old age.
Karvonen plans to graduate from the School of Economics soon.
From Karvonen It seems that the turmoil of the world is increasingly influencing Finns’ concerns and worlds of thought.
« Especially with Korona, the Ukrainian war and other crises, I have become quite pessimistic and even cynical for the future. »
Karvonen trusts himself and his own skills. Thanks to this good starting point, he thinks. With the support of his parents, he has been able to study more carelessly at the university than many others.
« This is basically, in principle, I will only save my own skin. »
Instead, Karvonen is concerned about the future of Finland and its people. He realizes that not everyone can afford to save their future in the same way, and many old age protection is entirely dependent on the pension system.
The fact that young people are skeptical about the pension scheme is a two -barreled thing about Karvonen. It is good if more and more young people are aware that they also have to safeguard their livelihoods for a bad day and make long -term decisions.
« On the other hand, I am part of the cause of the problem if I just put all the socks and be afraid of the worst. Then the economy strollers. »
