income. The goal of this paper is to test for the effect of mandatory pensions on discretionary household savings. The data … pensions have a significant negative impact on savings motives with respect to old age. Concerning the effect on household … are drawn from the CentER Savings Survey, which consists of a representative and a highest-income-decile sample of Dutch …

This paper examines how families adjust their private old-age savings in response to a change in individual pension …): 1998, 2003 and 2008. All results indicate that families do not adjust their private old-age savings in response to the … does not crowd-out old-age private savings. Hence, child care pension benefits increase a mother's old-age income without …

of workers born in 1950 or later. At the same time, a tax-facilitated savings plan was introduced that substantially … assess the effect of the reform on the savings and retirement expectations and realizations of two virtually identical male … savings to counter the effect of the reform. These workers, who are generally in worse health, have zero substitution rates …

social security schemes, an ageing population thus leads to policy uncertainty in first pillar pensions. This paper sheds … more light on the relationship between public and private savings by analyzing private pension scheme participation in the … an increase in, or crowding in of, private savings …

, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings … which savings are available for cash withdrawal but intended for educational expenses. The weaker commitment generates … increased savings in the program accounts and when combined with a parent outreach program, higher expenditures on educational …

partner. Due to survivor pensions, married insurants benefit from higher IRR as compared to the non-married. Interestingly …. -- Pay-as-you-go ; pensions ; rate of return ; redistribution ; employment biography …