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The influence of personality traits on private retirement savings in Germany
Schäfer, Konrad C. - 2016 - This version: August 2016
This paper analyzes private retirement savings, the amount for German individuals and how these savings are influenced … investigated how the Big-Five and the Locus of Control influence the decision to have private retirement savings, and the estimated … amount of these savings. Results indicate a positive effect for Extraversion and a negative effect for Agreeableness on the …
Persistent link: https://www.econbiz.de/10011527294
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The influence of personality traits on private retirement savings in Germany
Schäfer, Konrad C. - 2016
This paper analyzes private retirement savings, the amount for German individuals and how these savings are influenced … investigated how the Big-Five and the Locus of Control influence the decision to have private retirement savings, and the estimated … amount of these savings. Results indicate a positive effect for Extraversion and a negative effect for Agreeableness on the …
Persistent link: https://www.econbiz.de/10011538182
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The Influence of Personality Traits on Private Retirement Savings in Germany
Schäfer, Konrad - 2016
This paper analyzes private retirement savings, the amount for German individuals and how these savings are influenced … investigated how the Big-Five and the Locus of Control influence the decision to have private retirement savings, and the estimated … amount of these savings. Results indicate a positive effect for Extraversion and a negative effect for Agreeableness on the …
Persistent link: https://www.econbiz.de/10012983094
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Distributional effects of subsidizing retirement savings accounts : evidence from Germany
Corneo, Giacomo; Schröder, Carsten; König, Johannes - 2015
We empirically investigate the distributional consequences of the Riester scheme, the main private pension subsidization program in Germany. We find that 38% of the aggregate subsidy accrues to the top two deciles of the population, but only 7.3% to the bottom two. Nonetheless the Riester scheme...
Persistent link: https://www.econbiz.de/10011281656
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Maintaining one's living standard at old age : what does that mean? ; evidence using panel data from Germany
Dudel, Christian; Ott, Notburga; Werding, Martin - 2013
How much retirement income is needed in order to maintain one's living standard at old age? As it is difficult to find a firm basis for an empirical treatment of this question, we employ a novel approach to assessing an adequate replacement rate vis- a-vis income in the pre-retirement period. We...
Persistent link: https://www.econbiz.de/10009766250
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Betting on a long life : the role of subjective life expectancy in the demand for private pension insurance of german households
Schulte, Katharina; Dörr, Ulrike - 2010
uptake of German households in a probit model. Using survey data on savings and old-age provision, we find that subjective …
Persistent link: https://www.econbiz.de/10003969303
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One pillar crumbling, the others too short : old-age provision in Germany
Werding, Martin - 2016
Public pay-as-you-go pensions still form the dominant pillar of old-age provision in Germany. This is in marked contrast to the situation in Anglo-Saxon countries. It has advantages if labour markets are strong, e.g., following a quick recovery from the Great Recession. It has disadvantages, as...
Persistent link: https://www.econbiz.de/10011429583
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The Savings Behaviour of German Households : First Experiences with State Promoted Private Pensions
Börsch-Supan, Axel H. - 2009
In response to population aging, pay-as-you-go pensions are being reduced in almost all developed countries. In many countries, governments aim to fill the resulting gap with subsidized private pensions. This paper exploits the recent German pension reform to shed new light on the uptake of...
Persistent link: https://www.econbiz.de/10013157337
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Savings in Times of Demographic Change : Lessons from the German Experience
Börsch-Supan, Axel H. - 2014
Pension reforms in many developed countries make individuals shoulder a bigger share of longevity and income risks. The desired response is that individuals accumulate private assets for retirement. Whether this actually takes place, is of paramount relevance for scientists and policy makers. We...
Persistent link: https://www.econbiz.de/10013040083
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Private retirement savings in Germany : the structure of tax incentives and annuitization
Fehr, Hans; Habermann, Christian - 2008
income uncertainty. We focus on the implicit differential taxation of specific savings motives, the mandatory annuitization …
Persistent link: https://www.econbiz.de/10011633491