# Issue actualisation

According to International Monetary Fund projections, the population in developed countries is either stable or declining.

<figure><img src="/files/PStnnmsScvdmoCUJ1ei8" alt=""><figcaption></figcaption></figure>

The demographic burden ratio is rising, indicating an increase in the number of retired people compared to the number of working people.&#x20;

In some countries (e.g. Germany and Italy), this results in one pensioner for every two workers.&#x20;

The [traditional model](#user-content-fn-1)[^1] of the pension system comes into crisis when the demographic burden is high. Freezing pensions means not indexing them, which leads to a real decline in pensions taking inflation into account. It is one way of dealing with the lack of money in pension funds.&#x20;

&#x20;<mark style="background-color:yellow;">The need for savings:</mark> Being of working age, people should save for their future to ensure financial freedom and a comfortable retirement.

[^1]: When the working population finances the pensions of current pensioners


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