We study the role of household saving behaviour, of individual motives for saving and that of perceived liquidity … constraints in 15 Euro Area countries. The empirical analysis is based on the Household Finance and Consumption Survey, a new … harmonized data set collecting detailed information on wealth holdings, consumption and income at the household level. Since the …

document substantial heterogeneity across these dimensions. The median household in the euro area has a positive interest rate …

are significant differences regarding the marital status, the presence of at least one child in the household and whether … the household is located in a former West or East German federal state. Married couples and couples with children are …

Since 2002 the German government seeks to stimulate private retirement savings by means of special allowances and tax …. -- Household saving ; Saving incentives ; Retirement ; Riester scheme ; Coarsened exact matching …

social programs, savings and the labor supplies of all adult household members. The optimal policy mix focuses mainly on … and savings decisions of singles and married couples. Partial insurance against wage and employment shocks is provided by … Social Assistance, which provides a permanent universal household income oor, with a minor role for temporary earnings …

pensionreforms led to an increase in the household savings rate in Germany until about2010. As domestic investment opportunities … could not absorb these additional sav-ings, they were partly invested abroad. The German current account-to-GDP ratiorose …. After 2010, private savings remained rather stable, but opportunities to investin Germany declined further. Our simulations …