Рискове и гаранции за пенсионерите във фазата на изплащане от универсалните пенсионни фондове
Risks and guarantees for pensioners in the payout phase from the universal pension funds

Author(s): Bisser Petkov
Subject(s): Economy, Law, Constitution, Jurisprudence, Human Resources in Economy, Labour and Social Security Law
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: payout phase; risks; guarantees; pension funds; pensioners
Summary/Abstract: The publication analyzes the risks for pensioners and assesses their manifestation and management by the pension insurance companies in the first full year (2022) of the payout phase from the universal pension funds (UPF). Taking into account the risk characteristics of the retirement products regulated in the Bulgarian legislation and the dominant trends of the financial markets in 2022, the conclusion is substantiated that pensioners from the UPF are the most unprotected from inflation and annuitization risks.

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