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We want, it is necessary to solve after Chileans the same problems, here again big and

Small details of their experience can be extremely useful. At last, Chilean

Reforms in general and pension reforms in particular are the perfect textbook

Economic liberalism and as those, will long be a source Inspiration and useful knowledge for economists and politicians.


The Chilean system of pension insurance, undoubtedly, can be an example For the states all over the world. Its advantages are conclusive:

1. Accumulation insured ambiguous in ordinary speech) the term "insurer" - *it.

- . *, not Being the expert in insurance business, to To regret, for a designation insured Persons the word "insured" instead of professional (but is applied, hereinafter for convenience of the reader provide with it the quite good income, on the average from 13 to 14 % annual in

Real calculation. In it its radical difference from all other systems consists

The social insurance which participants actually incur losses in Result of complex influence of an irresponsible tax policy and Galloping inflation.

2. The Chilean insurance system has interested all members in Economic prosperity of the country. Pension bills of the insured belong Only it. At the reached norms of a turn (in real terms) doubling The saved up sum occurs for small term (now it Makes approximately five years). Thus, many Chilean

Workers, having enclosed 10 % of the incomes in system of the Companies of management of the pension

Funds (it), have saved up during payments of the sum, which in real terms In two, three or four times exceed their average revenue. A retirement

Does not threaten these persons with financial difficulties. At the same time they understand,

That threat to their future can arise, only if the Chilean economy Will cease to be so strong and effective what it became for the last

Years. We will hope, what is it the understanding will make the Chilean citizens not so

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