Penzioni sustavi

Penzioni sustavi, or “pension systems,” refer to the structured frameworks established for providing financial support and benefits to individuals in retirement. These systems are typically designed to ensure that individuals receive a steady income after they cease active employment. Pension systems can be categorized into various types, including defined benefit plans, where retirees receive a predetermined amount based on factors like salary history and years of service, and defined contribution plans, where the retirement income is based on the contributions made and the investment performance over time. The effectiveness and sustainability of pension systems are critical for ensuring that aging populations have adequate resources to maintain their standard of living during retirement.