Jak uniknąć nędzy na emeryturze

Dzisiaj ukazał się mój

artykuł w Rzeczpospolitej pt. Jak uniknąć nędzy na emeryturze. W masowych mediach toczy się PR-owska wojna na temat wyższości jednego filara nad drugim, wojna bezsensowna, bo decyzja już zapadła i drugi filar zostanie zlikwidowany, pisałem o tym wielokrotnie na tym blogu. W takiej sytuacji trzeba zrobić dwie rzeczy:

po pierwsze, starać się optymalizować swoje składki do ZUS, które z powodu przyszłego bankructwa ZUS stały się podatkami,
po drugie, zacząć samemu oszczędzać na emeryturę, za pomocą odpowiednich instrumentów długoterminowych dedykowanych do tego celu. Polacy już się zorientowali że tak trzeba. O tym jest właśnie mój artykuł.

Najlepsza jest strategia która łączy optymalizację składek ZUS z dodatkowym oszczędzaniem.

Data: 29.06.2013, 11:17

Kategoria: Polska

Krzysztof Rybiński

Economy of the XXI century - https://www.mpolska24.pl/blog/economy-of-the-xxi-century

Professor Krzysztof Rybinski holds MA in computer sciences, and Ph.D. in economics. He has an extensive professional background. He worked as software engineer in Tokyo, director of the Soros Foundation programs in CEE, a consultant to the World Bank. He was chief economist and managing director at commercial banks. In 2004, he was appointed the Deputy Governor of the National Bank of Poland by the President of Poland and performed this function for four years until 2008. He was in charge of research, foreign exchange reserves management, payment systems, cash circulation management, monetary statistics and international relations. Under his supervision National Bank of Poland changed its investment strategy which resulted in additional one billion dollars profit for Poland. In 2004-2005, he was member of the EU Economic and Financial Committee, and in 2007-2008 a member of the Polish Financial Services Authority. In 2007-2008 he served as a World Bank alternate governor for Poland. He was also member of the supervisory boards of several financial sector companies (2008-2009) and Partner in Ernst & Young Poland (2008-2010). Since 2010, he has been Professor and President of Vistula University in Warsaw, which offers education to students from more than 30 countries. In 2012 he launched the investment fund called EUROGEDDON, its investment strategy assumes deepening financial crisis in the Eurozone. The fund launch was covered by Financial Times and CNN International.

Krzysztof Rybinski was economic advisor to several Polish governments. In the last few years he was a coauthor of country higher education strategy, e-government strategy and intellectual capital strategy.

Krzysztof Rybinski is author of numerous refereed papers in economics and (co) author of several books. In March 2012 ranking he was ranked the fourth best Polish economist by number of scientific citations. In October 2012 he received the business award of most respected Polish economist. He has also contributed hundreds of articles on economics and financial markets to Polish newspapers. He published in The Wall Street Journal, Financial Times and The Economist. He was the first senior central banker in the world to have started a popular and often quoted by media economic blog www.rybinski.eu already in 2006.