Peruspohjassa

Peruspohjassa is a Finnish term that refers to the base or foundation upon which a pension system is built. It is often used in the context of the Finnish pension system, which is a hybrid system that combines elements of a defined-contribution and defined-benefit system.

In the Finnish pension system, the peruspohjassa is established through contributions made by employees, employers, and the state. The contributions are invested and the returns are used to finance pension benefits. The peruspohjassa serves as the foundation for calculating pension benefits, which are typically based on the individual's earnings and contribution history.

Finnish pension law requires that the peruspohjassa is invested in a manner that ensures its long-term sustainability and stability. The investments are typically made in a range of assets, including stocks, bonds, and real estate, with an emphasis on low-risk investments.

The Finnish pension system is notable for its high peruspohjassa, which is widely regarded as one of the best in the world. The system's strong base is due in part to the high labor market participation rates and low unemployment rates in Finland. This has allowed the Finnish pension system to build a large and stable peruspohjassa, which can provide secure pension benefits to individuals in retirement.

As a result, the peruspohjassa plays a critical role in ensuring the financial security of Finnish pensioners and is an important component of the country's social welfare system.