Bet kuri vyriausybė, pradėjusi naikinti „Sodros“ finansinę piramidę –neišvengiamai grius PDF Spausdinti El. paštas

„Sodros“ finansinė piramidė neišvengiamai grius

Šiandien mūsų visų akivaizdoje Lietuvos valstybėje veikia viena iš didžiausių, kada nors Lietuvoje buvusių finansinių piramidžių – tai SODRA.

Baisiausia, kad ši finansinė piramidė yra valstybinė ir liečia beveik visus Lietuvos žmones. O keisčiausia, kad mes jos nematome, ar nenorime matyti. 

Daugelis Lietuvos žmonių dar prisimena finansinės piramidės šedevrą „Sekundės“ banką. Pradžioje pirmieji banko klientai svaigo nuo išmokamų palūkanų, o paskesnieji jau rovėsi plaukus iš sielvarto, nes negavo nieko, kadangi nebebuvo atnešančiųjų pinigus.

Įprasta, kad finansinės piramidės yra naikinamos, o jų įkūrėjai, ir tie, kurie leidžia joms egzistuoti, yra baudžiami. 

Tad kaip elgtis šiuo atveju?

Paprastas klausimėlis - ar jūs šiandien neštumėte savo pinigus į „Sekundės“ banką? Ne? Taip, jūs neneštumėte, nes „Sekundės“ bankas buvo klasikinis lietuviškos finansinės piramidės pavyzdys, kuris žlugdamas po savo griuvėsiais palaidojo daugelio Lietuvos žmonių ružavas svajones..   

„Sodra“ veikia pažado pavidalu

Mes privalome socialinio draudimo mokestį mokėti dabar, o kai bus mūsų pensijinis amžius, tuomet valstybė žada mums mokėti pensijas. Tikrai mokės, jei kiti suneš. O jei nesuneš?

Puikiausias pavyzdys tai, kaip V. Blinkevičiūtė pažadėjo didesnes pensijas, kai ekonomika augo.  O ką mes iš to pažado turime šiandien?

Esant tokiam „Sodros“ veikimo principui, valstybė negali žadėti, o juo labiau garantuoti, kad ateityje tikrai mokės pensijas šiandien dirbantiems ir įmokas mokantiems žmonėms.

„Sodra“ dirba finansinės piramidės principu: išmokos vykdomos ne iš tų pinigų, kuriuos žmonės sumokėjo anksčiau, o iš tų, kiek dabar sunešė. Tai yra, dabartiniai dirbantieji išlaiko dabartinius pensininkus ir kitus socialinių išmokų gavėjus.

Šiandien mokančiųjų „Sodros“ mokestį mažėja, tai ir grąžinimas žmonėms, tai yra išmokos, anksčiau mokėjusiems „Sodros“ mokestį, mažėja. Belieka tik gilyn ir gilyn į skolas. Aišku, kol skolina.

Bet kuri vyriausybė, pradėjusi naikinti „Sodros“ finansinę piramidę –neišvengiamai grius 

Iš žmonių visada bus spaudimas didinti pensijas, trumpinti, o ne ilginti pensijinį amžių. Istorija rodo, kad žmonės labai myli tuos, kurie jiems dalina gražiai įpakuotus nepagristus pažadus: didinsim pensijas, trumpinsim pensijinį amžių, -  tai yra dalins tavo, mano pinigus,- tokie yra mieliausi rinkėjui. 

Tai ką daryti? 

Griauti piramidę būtina ir tam teks priimti nepopuliarius sprendimus:

Skausminga, bet pirmiausia būtina priimti įstatymą, kad kiek yra surinkta pinigų, tiek ir išmokama. Šis žingsnis yra reikalingas, norint apsaugoti savo vaikų ateitį, o ne tik skolintis, siekiant tęsėti anksčiau išdalintus pažadus.

Antra, išdrįsti pasakyti, kad SODRA daugiau nebegali veikti finansinės piramidės principu ir pradėti tikrąją reformą. Tačiau visi turime suprasti, kad pereinamasis laikotarpis bus ilgas ir sunkus, bet vargu ar kita išeitis yra.  

Priėmus tokius nepopuliarius sprendimus, bet kuri vyriausybė neišvengiamai grius. O jei  nepanaikinsime „Sodros“ finansinės piramidės,  tai „Sodra“ vis tiek bankrutuos.

Kai „Sodra“ grius, bet kuri vyriausybė vis tiek bus apkaltinta ir nušvilpta.

Išeitis – socialinis solidarumas ir pensijų kaupimo sistema  

Socialinis draudimas turi atitikti solidarumo principą, su tais, kurie negali patys užsidirbti sau pensijos, t. y. neįgaliaisiais, ligoniais, nelaimės ištiktaisiais, kt. Tai yra Europinė vertybė ir mes socialinį solidarumą turime išlaikyti ir puoselėti. 

Taigi, privalomąjį socialinio solidarumo mokestį turi mokėti kiekvienas dirbantysis ir jokių išimčių. Daugelis sakys, kad negalima pradėti šios reformos, nes nėra lėšų. Tačiau lėšas galima paimti iš neefektyviai valdomo perteklinio valstybinio turto. Jį parduoti, o gautus pinigus panaudoti „Sodros“ reformai. 

Antra, reikia didinti kaupiamąją dalį. Tai reiškia, kad aš pats kaupiu lėšas savo būsimai pensijai. Aš pats galiu spręsti, kada man išeiti į pensiją. Man nereikia kovoti su valdžia, prašyti valdžios, kada mane susimalonės išleisti į pensiją. Gerai ir tai, kad savo „balsu“ nemokėsiu, balsuodamas už pažadus, paremtus finansinės piramidės principu, padidinti pensijas, arba už žadamą malonę anksčiau išeiti į pensiją. 

Bet žinoma, esant tokiai bedarbystei ir dideliems mokesčiams, nebus pinigu nei savo kaupiamajai daliai, nei privalomajam draudimui, -  tai yra valstybė vis tiek nesurinks pakankamai pinigų išmokoms.

Ona Balžekienė
Publikuota: Pirmadienis, 25 Spalis 2010 15:00
Komentarai
Rašyti naują Paieška komentaruose
Rada Matuleviciene  - Smagu žinot,kad yra protingų žmonių.   |2010-12-28 14:17:45
Miela,Onute visada didžiavausi,kad esam pažįstamos.Esi tokia moteris iš
kurios reikia mokytis.Nuoširžiai pritariu tavo mintims,nes visada galvojau
taip pat. Man gaila tu žmonių kurie atiduoda didžiulę dalį savo sunkiai
uždirbtų pinigų NIEKAM.Pati sodros sistema yra absurdiška.Manau,kad šitą
supranta didžioji dalis žmonių,bet...
Sakyk ,ką turim daryt,kad butų
kitaip?
Atiduosiu visas jegas ,kad galečiau prisidet padėčiai pakeisti.
vilma   |2011-02-17 10:27:25
Bet ar Jūs domėjotės tuo pensijiniu kaupimu-nuo kaupimo pradžios sudariau
sutartį ir dabar yra sukaupta 7000 lt,tai manau ne daugiau 1metams pensiją
sukaupiau, man 50 metų, jei tokiais tempais kaupsi pinigai, tai jau dabar
aišku , kad sukaupsiu labai mažai. T.y.rezultatas ko gero bus toks pats, kaip
su Sodra.Girdėjau, kad amerikoje tokie pensijų fondai net bankrutuoja.Ko gero
taip gali atsitikti ir pas mus
Regina   |2011-05-18 11:56:52
Negali pensijiniai fondai bankrutuoti, nes pinigai išmokami tik išėjus į
pensiją, o visi neišeisime į pensiją tą pačią dieną. O, kad mažai
susikaupė, tai esate pati kalta. Pensijinius fondus reikia stebėti ir jei
netenkina jų darbas, keisti. Jei norite išsamesnio paaiškinimo, paskambinkite
860523551. Finansų konsultantė Regina.
t:)   |2012-10-10 16:18:30
Finansu konsultante ar makaronu kabintoja? Pensiju fondai bankrutuoja ir tai
nėra jokia naujiena. Juk fondai investuoja pinigus, o investicija kaip zinia
gali būti ir nevykusi, arba tapti nelikvidžia. O ka tada daryti kai reikia
ismokėti pinigus, kai tavo investiciniai fondai rodo minusa? :)
šeip   |2012-10-12 09:27:33
Paimkite kaip pavyzdį Singapūrą- ir pamatysime, kad tos Sodros visiškai
nereikia...
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