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Tax reform and retirement saving incentives: Evidence from the introduction of stakeholder pensions in the UK
Disney, Richard; Emmerson, Carl; Wakefield, Matthew - 2007
Faced with ageing populations, OECD governments are seeking policies to increase individual retirement saving. In April … 2001, the UK government introduced Stakeholder Pensions – a low cost retirement saving vehicle. The reform also changed the …
Persistent link: https://www.econbiz.de/10010292951
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Econometric analysis of the wealth gap between East and West Germany
Becker, Gideon - 2015 - This draft: February 22, 2015
Nearly 25 years after the German reunification, vastly different living conditions between East and West Germany still remain. This is particularly true for the distribution of net wealth which is of special importance for the well-being of individuals. Wealth provides utility in a number of...
Persistent link: https://www.econbiz.de/10011348393
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Is the selfish life-cycle model more applicable in Japan and, if so, why? : a literature survey
Horioka, Charles - 2020
The selfish life-cycle model or hypothesis is, together with the dynasty or altruism model, the most widely used theoretical model of household behavior in economics, but does this model apply in the case of a country like Japan, which is said to have closer family ties than other countries? In...
Persistent link: https://www.econbiz.de/10012291218
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Saving after retirement and preferences for residual wealth
Fella, Giulio; Holm, Martin Blomhoff; Pugh, Thomas - 2024 - Last updated: June 11, 2024
We use administrative data for Norway to estimate an incomplete-market life cycle model of retired singles and couples with a bequest motive, health-dependent utility, and uncertain longevity and health. We allow the parameters of the bequest utility to differ between households with and without...
Persistent link: https://www.econbiz.de/10014562957
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Household saving rates and the design of social security programmes : evidence from a country panel
Disney, Richard - 2005
I argue that the offsetting effect of social security contributions on household retirement saving depends on how … closely the social security programme imitates a private retirement saving plan (i.e. the ?actuarial? component of the social … security programme) – the closer the design of the programme to a private retirement saving plan, the higher the offset. I …
Persistent link: https://www.econbiz.de/10010261332
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Sexual orientation and household savings: Do homosexual couples save more?
Negrusa, Brighita; Oreffice, Sonia - 2010
lesbian couples own significantly more retirement income than heterosexuals, while cohabiting heterosexuals save more than …
Persistent link: https://www.econbiz.de/10010269903
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Consumption-savings decisions under upward looking comparisons : evidence from Germany, 2002 - 2011
Drechsel-Grau, Moritz; Schmid, Kai D. - 2013
We demonstrate that interpersonal comparisons lead to "keeping up with the Joneses"-behavior. Using annual household data from the German Socio-Economic Panel, we estimate the causal effect of changes in reference consumption, defined as the consumption level of all households who are perceived...
Persistent link: https://www.econbiz.de/10010190171
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Tax-price elasticity of charitable donations : evidence from the German taxpayer panel
Adena, Maja - 2014
I estimate permanent and transitory tax-price and income elasticity of charitable giving in Germany using a rich panel data of tax return for the years 2001-2006. Income tax reforms were implemented in 2004 and 2005. The results suggest that the permanent tax-price elasticity varies...
Persistent link: https://www.econbiz.de/10010237654
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Investing at home and abroad: Different costs, different people
Christelis, Dimitris; Georgarakos, Dimitris - 2009
We investigate US households' direct investment in stocks, bonds and liquid accounts and their foreign counterparts, in order to identify the different participation hurdles affecting asset investment domestically and overseas. To this end, we estimate a trivariate probit model with three...
Persistent link: https://www.econbiz.de/10010303748
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The exposure of mortgage borrowers to interest rate risk, income risk and house price risk : evidence from Swiss loan application data
Brown, Martin; Guin, Benjamin - 2014 - This draft: 2 December 2014
We study the exposure of mortgage borrowers in Switzerland to interest rate, income and house price risks and examine how the households' choice of risky mortgages is related to individual interest rate expectations and risk-aversion. Our analysis is based on a unique data set of household...
Persistent link: https://www.econbiz.de/10011344795