how about making your pension depend on the number of kids? take an average pension now: X=100%, take half of it as a base, and then add a quarter or one fifth per child. so a childless person gets half the current pension, 1 child gives you 75% or 70%, 2 children 100% or 90%, 3 children 125% or 110%, etc...
Sounds good, until you start arbitrarily punishing people who, for one reason or another, just can't have kids (reasons can be many, for one, biology is a bitch).
that's a defeatist attitude. it's not like we can't make exceptions. or arrange for other ways to earn your pension. besides, if you don't have children you get more time to work, so you pay more, which means, the benefit for parents is actually offsetting lost work time.
which is another approach. how about for each child you get automatically accounted a number of years of payments as if you had earned money. if it takes 30 years of work to earn enough for a decent pension, and every child counts for 5 years then 3 children would allow you to get the same pension with only 15 years of work. how is that?
btw, the global infertility rate is 5%. the global disability rate is 10%. those people are also affected by not being able to work. in other words, 15% of the population are unable to fully contribute to pension funds. where a full contribution means work and having children. but making children a pension contribution actually helps a number of disabled who are still able to have children. so now they are able to contribute more than they would if we ignored children as a contribution.
seriously, this constant shooting down of ideas just because it appears that one group is disadvantaged is tiring. try thinking a bit more creatively and help come up with a solution.
