Sparquote zu. Außerdem beeinflußt die Art der sozialen Sicherung die Höhe der Sparquote. Selbständigen-Haushalte sparen einen … Abschluß von Lebensversicherungen treffen. (Nichtbeamtete) Arbeitnehmer dagegen sparen einen Teil ihres Einkommens nicht …In recent years the aggregate savings ratio in Germany has declined. The basic causes are, above all, the rise in …

incentivize people to increase their private pension savings. In this paper, we hypothesize that these publicly subsidized savings … mainly replace existing not subsidized savings and that supplier induced demand is an important factor. Using data from the … those who already have life insurance or other public subsidized savings. Furthermore, we show that a contact with an …