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Household portfolios and financial preparedness for retirement
Crawford, Rowena; O'Dea, Cormac - In: Quantitative Economics 11 (2020) 2, pp. 637-670
to evaluate the adequacy of retirement savings. We find first that the specification of the model's asset structure …
Persistent link: https://www.econbiz.de/10012215428
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The determinants of savings rates in OECD countries: The role of private pensions
Gebeşoğlu, Pınar Fulya; Ertuğrul, Hasan Murat; … - In: Central Bank Review (CBR) 23 (2023) 1, pp. 1-7
The design of pension schemes is crucial in determining savings behavior. The impact of pension schemes on saving rates … between saving patterns and pension wealth. This paper investigates the effect of the private pension contributions on savings … distribution. According to the results, the savings rate is negatively associated with private pensions at all quantile levels. The …
Persistent link: https://www.econbiz.de/10014547825
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Zehn Jahre Riester-Rente: kein Grund zum Feiern
Hagen, Kornelia; Kleinlein, Axel - In: DIW Wochenbericht 78 (2011) 47, pp. 3-14
Die Riester-Rente beziehungsweise die einzelnen Riester-Produkte haben sich seit ihrer Einführung zuungunsten von Sparern verändert. Verträge, die heute abgeschlossen werden, führen oftmals zu einer geringeren Rendite als 2001 vereinbarte Verträge. Insgesamt sind die Renditen aus...
Persistent link: https://www.econbiz.de/10011602441
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Reforming retirement age in DB and DC pension systems in an aging OLG economy with heterogenous agents
Tyrowicz, Joanna; Makarski, Krzysztof; Bielecki, Marcin - In: IZA Journal of Labor Policy 5 (2016) 8, pp. 1-36
We analyze the effects of increasing the retirement age in two economies with overlapping generations and within cohort ex ante heterogeneity. The first economy has a defined benefit system, and the second economy is in transition from a defined benefit to a defined contribution. We find that if...
Persistent link: https://www.econbiz.de/10011606590
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Ten years of the Riester pension scheme: No reason to celebrate
Hagen, Kornelia; Kleinlein, Axel - In: DIW Economic Bulletin 2 (2012) 2, pp. 3-13
Since their introduction, the Riester pension scheme and the individual Riester products have become less beneficial to savers. Contracts concluded today will often lead to lower returns compared to contracts concluded in 2001. From a social perspective, meaning pension benefits in relation to...
Persistent link: https://www.econbiz.de/10010286808
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Was leistet die Riester-Rente für die Sicherung im Alter?
Meinhardt, Volker; Zwiener, Rudolf - In: Vierteljahrshefte zur Wirtschaftsforschung 81 (2012) 2, pp. 205-211
reforms of 2001 and 2004, cannot be closed by Riester savings; second, the promised higher yields - compared to the …
Persistent link: https://www.econbiz.de/10010378026
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The role of supplementary retirement savings in reducing the pension gap in Poland
Jedynak, Tomasz - In: Economic and Environmental Studies (E&ES) 17 (2017) 1, pp. 95-113
supplementary savings needed to cover it. The issue of pension system income adequacy is first discussed, and the forecasted and … defined and the size of the gap is analyzed. The amount of savings needed to cover the pension gap is then computed. How … changes in the values of particular parameters influence the amount of monthly savings needed to cover the individual pension …
Persistent link: https://www.econbiz.de/10011849474
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Rentennahe Jahrgänge haben große Lücke in der Sicherung des Lebensstandards
Grabka, Markus M.; Bönke, Timm; Göbler, Konstantin; … - In: DIW Wochenbericht 85 (2018) 37, pp. 809-818
Mehr als die Hälfte der Erwerbstätigen aus rentennahen Jahrgängen im Alter von 55 bis 64 Jahren kann ihren derzeitigen Lebensstandard nicht halten, wenn sie jetzt in den Ruhestand gingen. Die durchschnittliche Höhe ihrer bisher akkumulierten monatlichen Bruttoanwartschaften beläuft sich...
Persistent link: https://www.econbiz.de/10011902184
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The Economic Consequences of Demographic Change: Its Impact on Growth, Investment and the Capital Stock
Tichy, Gunther - In: Intervention. European Journal of Economics and … 05 (2008) 1, pp. 105-128
The traditional debate on the real and financial consequences of ageing is based on two assumptions: a deteriorating old-age dependency ratio and declining productivity of an ageing population. Both suppositions are questionable. Relevant for the future burden is not the old-age dependency ratio...
Persistent link: https://www.econbiz.de/10014363029
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Experiences with Occupational Pensions in Denmark
Jensen, Svend E. Hougaard; Pedersen, Torben Möger; … - In: Vierteljahrshefte zur Wirtschaftsforschung 88 (2019) 1, pp. 11-30
Wechselwirkung zwischen privater und staatlicher Altersvorsorge in einem Wohlfahrtsstaat beziehen. …
Persistent link: https://www.econbiz.de/10012182850