{"id":12007,"date":"2019-05-09T12:03:25","date_gmt":"2019-05-09T10:03:25","guid":{"rendered":"https:\/\/proacomunicacion.es\/?p=12007"},"modified":"2019-05-09T12:03:25","modified_gmt":"2019-05-09T10:03:25","slug":"keys-to-a-viable-future-pension-system","status":"publish","type":"post","link":"https:\/\/proacomunicacion.es\/en\/claves-para-un-sistema-de-pensiones-viable-en-el-futuro\/","title":{"rendered":"Keys to a viable pension system for the future"},"content":{"rendered":"<p style=\"text-align: justify;\">The future unviability of the current public, contributory, pay-as-you-go pension system in Spain is one of the urgent issues to be addressed by any government, but political expediency causes it to be postponed time and again.<\/p>\n<p style=\"text-align: justify;\">The expert Diego Valero, president of the consultancy Novaster, explains the causes of the problem to Proa Comunicaci\u00f3n, and proposes solutions so that the pension system maintains the current level of benefits for future generations.<\/p>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/AM3QPnxZpSs\" width=\"910\" height=\"515\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/iframe><\/p>\n<h3 style=\"text-align: justify;\">Unworkable system<\/h3>\n<p style=\"text-align: justify;\">Why is the system not viable? Because of two factors. The first is the greater longevity of people, which lengthens the effective time they receive pensions, and with it the expenditure. The second is the high percentage (80%) that the pension represents of the salary received during working life, which discourages savers from seeking alternatives outside the public system.<\/p>\n<p style=\"text-align: justify;\">The result is that the current system will not be sustainable in the long term, which will force a reduction in the percentage of pension compared to salary, and\/or an increase in the minimum retirement age. In other words, the number of years of social security contributions, if the retirement pension is to be received at its current level.<\/p>\n<p style=\"text-align: justify;\">Therefore, the first step that savers need to take is to know what their retirement benefit will be, so that they can set up a savings plan tailored to their needs. This is information that the state should provide to savers, but does not do so.<\/p>\n<h3 style=\"text-align: justify;\">Efficient pension model<\/h3>\n<p style=\"text-align: justify;\">There are other mixed pension models that combine benefits from the public system with contributions from the company and individual savings, which are much more efficient than the current one.<\/p>\n<p style=\"text-align: justify;\">The most effective model should be one in which the public system determines a basic minimum level for subsistence, adding a benefit level based on contributions made, plus the use of behavioural economics to encourage individuals to save, and if this model is applied, the level of future savings will be sustainable because the pension pot will grow.<\/p>\n<h3 style=\"text-align: justify;\">Communication, a key tool<\/h3>\n<p style=\"text-align: justify;\">Communication can serve to raise awareness of new models other than the current one, both for savers and for the public and private entities involved, and to encourage decision-making.  In short, communication should be the tool that shows everyone the way forward.<\/p>\n<p style=\"text-align: justify;\">Communication is therefore key, to inform savers about the different benefit options in retirement if they do not change their strategy, and to clarify what level of pension will be achieved depending on the level of savings taken.<\/p>\n<p style=\"text-align: justify;\">Moreover, communication can be very useful in stimulating behavioural economics, i.e. the analysis of economic behaviour in terms of human psychology. If used as a tool for this purpose, it can become an indispensable lever for interpreting, and correcting, behaviour.  More importantly, it can help in decision-making.<\/p>\n<p style=\"text-align: justify;\">Raising public awareness of the urgent need to look for alternatives to the current pension system must be done in a simple, straightforward and attractive way, and at the right time. The result will be quick and correct decision-making.<\/p>\n<hr \/>\n<p><a class=\"lightbox-added alignleft\" href=\"https:\/\/proacomunicacion.es\/wp-content\/uploads\/2018\/11\/javier-ferrer.png\"><img decoding=\"async\" class=\"wp-image-9824 alignleft\" src=\"https:\/\/proacomunicacion.es\/wp-content\/uploads\/2018\/11\/javier-ferrer-265x300.png\" alt=\"\" width=\"75\" height=\"85\" \/><\/a><strong>Javier Ferrer<\/strong><br \/>\nFinancial Communication Area Director Proa Comunicaci\u00f3n, passionate about the world of investments and a specialist in communicating business models based on financial advice and wealth management.<\/p>","protected":false},"excerpt":{"rendered":"<p>La inviabilidad futura del actual sistema de pensiones p\u00fablico, contributivo y de reparto en Espa\u00f1a es una de las cuestiones urgentes a abordar por cualquier gobierno, pero la conveniencia pol\u00edtica hace que se posponga una y otra vez. El experto Diego Valero, presidente de la consultora Novaster, explica para Proa Comunicaci\u00f3n las causas del problema, [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":12008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2,996,997,913,7],"class_list":["post-12007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-proa","tag-comunicacion-financiera","tag-diego-valero","tag-novaster","tag-pensiones","tag-proa-comunicacion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Claves para un sistema de pensiones viable en el futuro - Blog Comunicaci\u00f3n y Reputaci\u00f3n<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/proacomunicacion.es\/en\/keys-to-a-viable-future-pension-system\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claves para un sistema de pensiones viable en el futuro - Blog Comunicaci\u00f3n y Reputaci\u00f3n\" \/>\n<meta property=\"og:description\" content=\"La inviabilidad futura del actual sistema de pensiones p\u00fablico, contributivo y de reparto en Espa\u00f1a es una de las cuestiones urgentes a abordar por cualquier gobierno, pero la conveniencia pol\u00edtica hace que se posponga una y otra vez. El experto Diego Valero, presidente de la consultora Novaster, explica para Proa Comunicaci\u00f3n las causas del problema, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/proacomunicacion.es\/en\/keys-to-a-viable-future-pension-system\/\" \/>\n<meta property=\"og:site_name\" content=\"PROA Comunicaci\u00f3n\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-09T10:03:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/proacomunicacion.es\/wp-content\/uploads\/2025\/08\/Firefly_radio-de-barco-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"PROA Comunicaci\u00f3n\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@proacomunica\" \/>\n<meta name=\"twitter:site\" content=\"@proacomunica\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"PROA Comunicaci\u00f3n\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/proacomunicacion.es\/claves-para-un-sistema-de-pensiones-viable-en-el-futuro\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/proacomunicacion.es\/claves-para-un-sistema-de-pensiones-viable-en-el-futuro\/\"},\"author\":{\"name\":\"PROA Comunicaci\u00f3n\",\"@id\":\"https:\/\/proacomunicacion.es\/#\/schema\/person\/f80dc8938ea94e7f8aa1e8dc716d5a60\"},\"headline\":\"Claves para un sistema de pensiones viable en el futuro\",\"datePublished\":\"2019-05-09T10:03:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/proacomunicacion.es\/claves-para-un-sistema-de-pensiones-viable-en-el-futuro\/\"},\"wordCount\":634,\"publisher\":{\"@id\":\"https:\/\/proacomunicacion.es\/#organization\"},\"image\":{\"@id\":\"https:\/\/proacomunicacion.es\/claves-para-un-sistema-de-pensiones-viable-en-el-futuro\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"Comunicaci\u00f3n financiera\",\"diego valero\",\"novaster\",\"Pensiones\",\"Proa Comunicaci\u00f3n\"],\"articleSection\":[\"Actualidad\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/proacomunicacion.es\/claves-para-un-sistema-de-pensiones-viable-en-el-futuro\/\",\"url\":\"https:\/\/proacomunicacion.es\/claves-para-un-sistema-de-pensiones-viable-en-el-futuro\/\",\"name\":\"Claves para un sistema de pensiones viable en el futuro - 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