cutbacks in the generosity of pensions, we analyze their preparedness for retirement in 2008, at the eve of the prolonged … downturn. In contrast to previous efforts to measure preparedness for retirement, we disentangle the roles of variation in … preferred expenditures during retirement. In order to draw conclusions that are representative for the Dutch population we …

Households will have to increase their retirement-related assets to face the consequences of pension reforms and …/or increasing longevity. Thus, improving retirement planning seems then to be necessary. However, the literature reports a general …: encourage households with little private savings to better prepare the retirement. This population does not seem able to save …

, while social interactions mainly influence stockholding through retirement accounts. Whether retirement account owners … funds. Stockholding is more common among retirement account owners, but mainly because of owner characteristics rather than … spillovers from retirement account ownership …

motives, such as saving for retirement, and saving behavior. Survey data show that many respondents save for retirement in … unconventional retirement accounts, such as investments in real estate. We show that finding the retirement motive important does not … directly translate in additional retirement savings. We show that the annuity stream generated by conventional and …