ASSESSMENT OF THE CURRENT STATE OF THE NON-STATE PENSION SYSTEM IN UKRAINE

Анотація

The trends of recent years indicate that the available pay-as-you-go financing pension system soon will not be able to perform its main function – to guarantee monetary benefits to persons who have reached retirement age. This, in turn, generates the need to draw the country’s attention to non-state pension provision. Thus, the article is devoted to the study of the development of the modern status of the system of non-state pension provision in Ukraine and making proposals for its promotion. To conduct the research, the author uses the following tools: statistical analysis – to assess trends in the development of the system of non-state pension provision; graphic method and table method – to visualize research findings on the activities of private pension funds; comparative method – to determine the dynamics in the system of non-state pension provision. In the course of the research, the dynamics of the key indicators that characterize the features of non-state pension provision in Ukraine are considered and analyzed. It is established that recent years are characterized by a lack of positive changes in the territorial distribution of non-state pension funds, lagging progress in increasing the total number of participants of non-state pension provision – in fact, individual entrepreneurs don’t show interest in the system of non-state pension provision. The research emphasizes that the state should pay considerable attention to informing about the non-state pension system to earn the trust and readiness of Ukrainians to collect money in non-state pension funds. In particular, considerable attention should be paid to the creation of open information space for the young generation, which would provide accessible, reliable and understandable data on the activities of private pension funds and the prospects and benefits of joining the non-state pension provision system. It is highlighted that an important aspect in the advancement of the system of non-state pension provision encompasses a positive demographic situation, favorable tax policy both for the employer and the employee, stable financial capacity of the population.

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