AGAIN: FUNDS WERE FIRST FONAVI, EsSALUD and ONP and now the AFP's 
funds FONAVI (National Housing Fund) after being created with an altruistic, when in the hands of governments, suffered a financial disaster for several reasons:
1 .- The terrible financial placement of funds, which generated a setback of their interests at the expense of the contributors
.
2 .- The government ownership of these funds to be allocated to other uses, which were inconsistent with the purposes for which
was created.
3 .- The serious economic damage to the contributors by such appropriations , which is in decline in the economic growth of Peruvian families.
Other factors such as:
4 .- The dependency ratio is the ratio between the contributors and pensioners, is a population ratio;
5 .- The extent of the underground economy or marginal, does not contribute to pension funds, given their informal status in the local market.
6 .- The income level of employees. Etc.
This form of misappropriation under the creation of a law that covers such nonsense is the usual flurry of governments to appropriate other people's money, as in the case of contributors to EsSALUD and ONP , always at the expense of contributors , now under this approach, the Plan of Government Peru Wins political group has raised in its plan of government, if they reach the presidency, as follows:
(See link
):
http://www.partidonacionalistaperuano.net/images/archivos / PlandeGobierno_GanaPeru_2011-2016.pdf pages 170 - 173.
"In addition to restoring workers' rights violated will require changes in the current economic model, ie only with new and improved policies for developing unionization, collective bargaining and the recovery of an active wage policy with wage increases minimum.
- Lost the principle of solidarity and redistribution inherent in a pension scheme.
- Universal Pension System based on a contributory pension system
complemented with a private management scheme without this public
distorts the nature of the system.
- Focus in adults over 75 years.
- Back to state his active role as guarantor of the sustainability financial National Pension System
. "
" c) Measures / Actions immediate.
1 .- Implementation of a pension scheme based on two systems.
I. An initial public system that guarantees pensions for all and contains two components: the tax-compulsive (base system) that ensures a level of pension according to both age and number of contributions received to the scheme. Membership in the contributory scheme is compulsory for all workers active both as independent employees whose contribution will depend on their wages or income. The second, non-contributory, which provides a basic pension for all adults over 65 years without importing history of affiliation with any pension system. This option will be financed primarily by taxes and a portion of the funds contributed by the workers .
II. A second private system that complements the first. This pillar is voluntary and is based on individual accounts for employees and independent workers. The contributions are determined by income level that exceeds the maximum established for determining contributions to the public system.
addition to the public pillar pension each contributor receives a pension
function of the investment and fund performance chosen.
same will implement a non-contributory pension system for elderly people living in rural areas. In this regard, a study of 14 MCLCP estimated 0.24% of GDP 15 the fiscal cost of an assignment of S/.100 pensionary for the population over 60 years in rural areas of the country. amount you commit to channel being the most vulnerable and become part of our social policy priorities.
2 .- Creation of the National Social Security Council (CNSS ) responsible for the formulation of comprehensive policies on pensions including the regulation and supervision of stakeholders including the private sector. The CNSS will feature the participation of insured employers, state and other actors involved in the subject. Centralization
-raising activities in a single entity from which the funds will be distributed under the supervision of CNSS.
- Implement a national plan to combat delinquency and evasion in pension contributions by employers.
- Reform of the current tax system that manages public ONP order to constitute a fundamental part of the new model pillars. "
From the first reading, we can see that giving the government back to the administration of pensionable funds, means signing a" blank check "for the government to return to destroy the financial and sustainable of these funds, since there are already precedents for this, nobody can say otherwise, a situation that has not happened, at least in many years in office.
other hand, taking part of pension funds nearly 5 million contributors
, we mean the grouping
party at least 5 million fewer votes and there one of the points
should clarify and commit to respect for private property and capital and the millions of
contributors to these funds.
Now creating the first national pension system means that everyone must
necessarily contribute to a fund redistributive
like the French pension system, but we see it compared against other pension systems and not
is necessarily the most efficient, however the model of the pension system in Chile, shows even higher, as evidenced by:
http://www.mercer.com/attachment.dyn?idContent=1396895 & filePath = / attachments / Inglés / Melbourne _ _Global_ Mercer Pension Index _ _2010. Pdf where we have three concepts comparative (2010):
- Adequacy of system:
Chile: 52.1
France: 74.9
- Sustainability:
Chile: 54.7
France: 29.7
- Integrity:
Chile: 79.8
France: 56.8
is very important to consider that these policy proposals, remind us about the Peruvian government acts against the resources required of the formal sector, are to date encourage informality
thus occupational instability is hard- to date trying to get better. If the group favored Earn Peru Peruvians want to rely on a progressive government should eliminate many of the concepts
from ideological positions that have failed in real life, leading to ostracize people who say they want to defend and sumiéndolos in darkness of development.
http://redalyc.uaemex.mx/pdf/532/53200302.pdf Http://youtu.be/BeVPWf3r5Z4
http://www.ambafrance-es.org/france_espagne/spip.php?article541
Jordi Gali, excellent economist and one of the most cited economists according to Thomson Scientific's Essential Science Indicators SM, currently professor of the Graduate School of Economics (Barcelona GSE). 
nonduality 
Diario Libre 
