Индивидуальные пенсионные счета как фактор дополнительного обеспечения в старости вузовских работников: опыт США

Abstract

Pre-crisis phenomena in the Russian economy caused by internal and external forces have a negative effect on pensioners’ position. University of employees continues to work after the retirement age to provide resources for a decent level of their life. This slows down the process of young people being employed by the higher educational institutions. The article considers USA experience in creating additional financial resources for university employees during their retirement age, motivating them to set up their personal retirement accounts. Having analyzed this experience the authors came to the conclusion that participation in personal retirement plans is effective in giving additional income during senior years. Though there are differences in mentality, ways of life of the US and RF population, implementation of such programs and plans by our universities could make our faculty mobile, create prerequisites for modernization of higher educational system and improve the quality of training and efficiency of the higher educational institutions.