> While at it, we could also change pension system. If your kids emigrate (or you didn't have any), then you get only half of the minimum payout :) That's why

> While at it, we could also change pension system. If your kids emigrate (or you didn't have any), then you get only half of the minimum payout :) That's why I don't trust the pension system - too many people opining what we should do with the money. Let's borrow from the budget to pay pensions, or let's borrow from pensions to fix the budget, or let's invest pensions in stocks (which might crush), or let's raise the age, or let's add new rules. I just want to save some money for old age, I don't want my savings to be redistributed 20 years from now by some new rules just invented. If I can't be sure of the pension then it's not fulfilling its role as an assurance that I'll be prepared when the time comes.