Efekti penzijskog osiguranja na ekonomsko ponašanje u SAD-u
Effects of Pension Insurance on Economic Morals in USA

Summary/Abstract: The system of pension insurance in the USA is a system without which the State could not survive as such. Pension insurance system is based on savings and investments in certain securities by the respective funds. This is done because of the reduced purchasing power of money, as in the case of inflation after a certain number of years, the value of savings would be minimal and would result in an increase in the number of poor people. The involvement of certain effects results in an impact on economic behavior in order to maintain the solvency of the system, and, thus, the available excess cash, taking into account that the pension insurance fund provides money to the country to satisfy the needs of the society and the state. On the other hand, the pension insurance system could be privatized, which means greater savings by individuals with the purpose of investing in personal accounts, and saving of the country so that they could use the surplus funds of the pension system to meet its expenses.

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