problems aimed at promoting voluntary savings for old age (retirement). The different mechanisms and/or tools described have … been designed to promote this type of savings, especially among independent and low-income workers. Therefore, the results …

problems aimed at promoting voluntary savings for old age (retirement). The different mechanisms and/or tools described have … been designed to promote this type of savings, especially among independent and low-income workers. Therefore, the results …

retirement savings has usually been theoretically approached under the hypothesis that the Social Security System works as a … substitute to other savings mechanisms. This document presents empirical evidence of the determinants and patterns of savings for … find that those employed individuals who show lower probabilities of making retirement savings are young ones, with male …