Regular readers will know that S2P is nothing more than a glorified Ponzi scheme or pyramid scam, where this week's National Insurance Contributions paid by employees and employers are used to pay next week's benefits to pensioners. Half a century ago, no less an authority than Aneurin Bevan - one of the founders of the welfare state - let the cat out of the bag when he said: "The great secret about the National Insurance fund is that there ain't no fund."
The reason that such an approach to providing pensions is illegal in the private sector is that it is inherently unstable. What happens, for example, if the number of contributors falls and the number of claimants rises? You don't need to be an actuary to see that the pay-as-you-go merry-go-round must grind to a juddering halt.
Nor is there anything hypothetical about that risk; it is already happening.
S2P es una especie de jubilacion estatal
Bevan es uno de los padres del Welfare State, que fue una de las causas de la derrota de Churchill en las elecciones de 1945
en fin, ya n se puede creer en nada, ah, las AFJP son piores, si, piores
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