Verbesserung von Wahlmöglichkeiten in Alterssicherung und Gesundheitswesen von Joachim Michel, 06.2011
Selected for the Global Economic Symposium 2011
It is widely accepted that the aging population poses cost challenges for society. Increased longevity raises the health care and other costs of supporting the old precisely when labor forces in many countries will be shrinking or growing more slowly than in the past. Much of the debate on how to handle these problems has focused on either scaling back benefits or somehow increasing the degree of preparedness to pay these costs through more savings today. Yet, both options have proven difficult to advance. Given the pressures on the budgets of governments and private employers as well as the difficulty of cutting benefits, it is important to examine new structures of benefits and decision-making. One inefficiency at present is that many pension and related health care systems offer individuals little choice, yet individuals and households have heterogeneous needs.
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Wesentliches Schlagwort: Alterssicherung
Wesentliches Schlagwort: Gesetzliche Rentenversicherung
Wesentliches Schlagwort: Private Rentenversicherung
Wesentliches Schlagwort: Rentenreform
Regionale Aspekte: EU-Staaten – Alterssicherung
Literaturliste
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This paper studies and documents household participation in voluntary individual retirement accounts (IRAs) in eleven European countries. Using recently available, internationally comparable data of households aged 50+, we calculate country-by-country average marginal effects of the probability to save in IRAs. We link the evidence from the micro data to the institutional differences in pension systems that prevail across the countries in our sample. Our results indicate that households participation in the third pillar varies substantially across countries, both due to institutional differences and household characteristics. Higher education is crucial for participation in countries with shorter traditions of IRAs where awareness matters most. Background risk due to expectations of future pension reforms as well as experience with occupational pensions increase voluntary retirement savings additionally for the currently employed individuals in our sample. — Individual retirement accounts ; pension reform ; consumption and saving over the life-cycle
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