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 …

Traditionally, households have been seen as acting as a single unit when it comes to savings. Although this might be … correct for some parts of household savings, we question the correctness of the unitary model with respect to non …-mandatory retirement savings. Therefore we analyze the intra-household allocation of retirement savings between partners in Germany taking …

to evaluate the adequacy of retirement savings. We find first that the specification of the model's asset structure …