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EN
The article presents an insight into the old-age pension system in Finland. The introduction is followed by four topic paragraphs: 1. general information about the country, 2. evolution of its pension system, 3. the present situation, and 4. challenges and foreseen changes. There, the author's goal was to present both past and present solutions employed by the Finnish pension system, in search for ideas worth consideration in international comparisons. In the summary, the author highlights as a particular Finnish approach, against the background of other countries, the existence of special credit cards for old-age pensioners.
2
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Pension System in Denmark

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EN
The paper presents an insight into the old age pension system in Denmark. The introduction is followed by tree topic paragraphs: 1. the historical development of its pension system, 2. the present situation, and 3. challenges and foreseen changes. There, the author's goal was to present both past and present solutions employed by the Danish pension system, in search for ideas worth consideration in international comparisons. In the summary, the author highlights as a particular Danish approach the fact of existing integrated IT-platform PensionInfo, where pensioners can find all the data according to the rules of pension performance and the state of their personal pension accounts.
EN
The paper about the development of the market of public pension societies in Poland consists of an introduction followed by four parts: 1. The reform of the old-age pension system in Poland, 2. Public pension societies as institutional exemplification of the reform of the old-age pension system in Poland, 3. Legal, institutional, ownership, and economical changes, and, 4. The influence of the accession of Poland to the European Union on the changes in the public pension societies market. The research objective of the article was to present the shaping of the market of public pension societies in Poland in relation to the sources of its growth, typical institutional organization, legal, institutional, ownership and economic changes, as well as to highlight the changes within the public pension societies in Poland in the context of the accession of the country to the E.U. In the résumé the author presents arguments that the old-age security solutions accepted in Poland fully reflect the indications of the World Bank regarding the construction of the old-age pension systems. The changes of legal regulations concerning the capital-based pension system, introduced in 1997, by a series of revisions to the Act, did not apply to operation of public pension societies. The institutional changes consisted of the reduction of the number of the operating entities from 21 in 1999 to 15 at the end of 2004. The ownership changes took place in the way that was characteristic to market economy and no particularly stong presence of investors from any single country was observed. The economic changes related to the stabilization of the share capital, the increase of the volume of own funds, and achieving net profit in 2002. The accession of Poland to the E.U. in 2004 did not bring about changes in the operation of the public pension societies due to the application by the European Union of the so called open co-ordination method.
EN
The article presents an insight into the old age pension system in Austria. The introduction is followed by four topic paragraphs: 1. general information about the country, 2. the evolution of its pension system, 3. the present situation, and 4. challenges and foreseen changes. There, the author's goal was to present both past and present solutions employed by the Austrian pension system, in search for ideas worth consideration in international comparisons. In the summary, the author highlights as a particular Austrian approach, against a background of other countries: 1. financing of the pension contribution for people who take care of young children, by public budget, 2. intended equalization of retirement age for men and women, and 3. flexible time of retirement between 62 and 68 years of age.
5
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Pension System in Netherlands

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EN
The article presents an insight into the old age pension system in The Netherlands. The introduction is followed by four topic paragraphs: the historical development of its pension system, the present situation and challenges and foreseen changes. There, the author's goal was to present both past and present solutions employed by the Dutch pension system, in search for ideas worth consideration in international comparisons. In the summary, the author highlights as a particular Dutch approach the voluntary participation in the huge part of additional subsystems of fully fund scheme and existing of the live cycle saving plan.
6
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The Old Age Pension System in Bulgaria

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EN
The paper presents an insight into the old age pension system in Bulgaria. There, the author's goal was to present both past and present solutions employed by the Bulgaria's pension system, in search for ideas worth consideration in international comparisons. In the summary, the author highlights as a particular Bulgarian approach the fact that employees experiencing difficult working conditions are treated with great attention from the very moment of collecting premiums
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