We know, thinking about retirement today isn't exactly thrilling, especially if you're young and it seems to you that the issue of social security doesn't concern you yet. But don't underestimate the problem by putting it off indefinitely the time to take care of it, because you risk finding yourself in difficulty in times of need: in fact, especially for those born in the 80s and 90s, it will be very difficult to obtain a pension by relying exclusively on public resources. If you are not convinced, try to reflect for a moment on some aspects:
– The population is aging and there will be fewer and fewer people to contribute to economic growth and pension spending
– According to the calculations of the State Accounting Office, the average pension will always be lower than the last salary. Consequently, if you want to maintain your standard of living, you will have to save a little more.
Ours does not want to be psychological terrorism, but a reminder of harsh reality. Even the president of INPS, Tito Boeri, is running a campaign to raise awareness among young people about retirement:
“People born in 1980 – said Boeri – will have to work longer, even up to 75 years! And they will take a pension that on average will be 25% lower than that received by the generation of 1945”.
After all, the scaremongering seems justified, at least according to the projections of the INPS, which carried out a simulation on a sample of 5.000 subjects born in 1980, assuming that in the next few years Italy will grow in line with the forecasts of the DEF until 2019 and thereafter at a rate of 1% per year.
Well, based on these calculations those who retire in 2050 - at the age of 70 - will receive an average of 1.593 euros per month, against 2.106 for those who retired in 2014, taking into account the average lengthening of working life. In short, according to these projections a good part of the "Millennials" is destined to work longer for a lower retirement salary.
