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[{"key": "dc.contributor.advisor", "value": "Uusitalo, Roope", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Mets\u00e4l\u00e4, Kimmo", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2018-11-01T10:55:17Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2018-11-01T10:55:17Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2018", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/60075", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Suomen el\u00e4kej\u00e4rjestelm\u00e4 koostuu p\u00e4\u00e4osin kahdesta pilarista eli jakoj\u00e4rjestelm\u00e4st\u00e4 ja rahastoivasta j\u00e4rjestelm\u00e4st\u00e4. N\u00e4iden lis\u00e4ksi ihminen pystyy ottamaan yksityisen el\u00e4kevakuutuksen. Tutkielman tarkoitus on vertailla, kumpi n\u00e4ist\u00e4 p\u00e4\u00e4j\u00e4rjestelmist\u00e4 antaa paremman tuoton el\u00e4kel\u00e4iselle sek\u00e4 voisiko tulevaa demografista shokkia ottaa vastaan pienent\u00e4m\u00e4ll\u00e4 rahastoivan j\u00e4rjestelm\u00e4n osuutta ja t\u00e4ten purkaa rahastoja. Suurin shokki kest\u00e4\u00e4 2040- luvulle asti, jonka j\u00e4lkeen j\u00e4rjestelm\u00e4 voitaisiin palauttaa alkuper\u00e4iseen tilaan.\n\nKaksi p\u00e4\u00e4asiallista el\u00e4kej\u00e4rjestelm\u00e4\u00e4, joita k\u00e4ytet\u00e4\u00e4n taloustieteellisess\u00e4 kirjallisuudessa, ovat jakoj\u00e4rjestelm\u00e4 ja rahastoiva j\u00e4rjestelm\u00e4. Jakoj\u00e4rjestelm\u00e4ss\u00e4 tuotto on palkkasumman kasvuvauhti ja rahastoivassa j\u00e4rjestelm\u00e4ss\u00e4 puolestaan rahastoitujen varojen tuotto. Molempia j\u00e4rjestelmi\u00e4 k\u00e4ytet\u00e4\u00e4n laajasti yksin\u00e4\u00e4n tai yhdess\u00e4 ja ei voida yksiselitteisesti sanoa, kumpi j\u00e4rjestelm\u00e4 on parempi vaihtoehto. Se kumpi on parempi, riippuu paljon maasta, johon j\u00e4rjestelm\u00e4\u00e4 suunnitellaan. Vaikka j\u00e4rjestelmiss\u00e4 on paljon yhten\u00e4isyyksi\u00e4, ei ole silti olemassa t\u00e4ysin kahta samanlaista j\u00e4rjestelm\u00e4\u00e4.\n\nTutkielman laskelmien mukaan rahastoiva j\u00e4rjestelm\u00e4 pystyy antamaan paremman tuoton el\u00e4kel\u00e4isen sijoitetulle eurolle kuin rahastoiva j\u00e4rjestelm\u00e4. T\u00e4m\u00e4n lis\u00e4ksi suurimman demografisen shokin ajaksi voisi pienent\u00e4\u00e4 rahastoivan j\u00e4rjestelm\u00e4n osuutta ja t\u00e4ten purkaa rahastoja ottamaan vastaan isku, joka kohdistuu j\u00e4rjestelm\u00e4\u00e4n. Toisaalta t\u00e4m\u00e4nkaltaisia transitioita ei ole tutkittu juurikaan muutamaa tapausta lukuun ottamatta, joten siirtym\u00e4 olisi hyppy tuntemattomaan. T\u00e4m\u00e4n lis\u00e4ksi j\u00e4rjestelmien muutoksia pidet\u00e4\u00e4n vaikeina toteuttaa, joten t\u00e4m\u00e4nk\u00e4\u00e4n takia moni maa ei ole halunnut tehd\u00e4 niit\u00e4. Kuitenkin v\u00e4est\u00f6 ik\u00e4\u00e4ntyy kaikkialla maailmassa ja erilaisia vaihtoehtoja t\u00e4ytyy olla, miten pit\u00e4\u00e4 j\u00e4rjestelm\u00e4 tasapainossa sek\u00e4 el\u00e4kel\u00e4isten ett\u00e4 ty\u00f6ss\u00e4k\u00e4yvien kannalta.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2018-11-01T10:55:17Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2018-11-01T10:55:17Z (GMT). No. of bitstreams: 0\n Previous issue date: 2018", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "57", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "el\u00e4kej\u00e4rjestelm\u00e4n rahoitus", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "El\u00e4kevarojen rahoituksen vertailu : jakoj\u00e4rjestelm\u00e4 ja rahastoiva j\u00e4rjestelm\u00e4 Suomessa", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201811014592", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Business and Economics", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Kansantaloustiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "2041", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "el\u00e4kej\u00e4rjestelm\u00e4t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "ty\u00f6el\u00e4kkeet", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "el\u00e4kerahastot", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "el\u00e4kepolitiikka", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "el\u00e4kkeet", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "vapaaehtoinen el\u00e4kevakuutus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "el\u00e4kemaksut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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