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Riester-Rente und Niedrigeinkommen: was sagen die Daten?

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Author Info

  • Johannes Geyer

Abstract

Analyses based on data from the Zulagenstelle für Altersvermögen (ZfA) show a high proportion of low wage earners among Riester-Rente savers. This result cannot be generalized to the population because the data include only Riester-Rente savers. However, analyses based on the Socio-Economic Panel (SOEP) show that the demand for Riester plans by low income individuals and households is below average. This result is reflected both by household and personal income measures. The lowest share is found for individuals without earned income. Auswertungen auf Basis der Daten der Zulagenstelle für Altersvermögen (ZfA) zeigen einen hohen Anteil der Geringverdiener unter den Riester-Sparern. Dieses Ergebnis kann aber nicht auf die Bevölkerung übertragen werden, da die Daten nur die Riester-Sparer umfassen. Auswertungen auf Basis des Sozio-oekonomischen Panels (SOEP) zeigen, dass die Verbreitung der Riester-Rente bei Personen und Haushalten mit geringem Einkommen unterdurchschnittlich ist. Dieses Ergebnis zeigt sich sowohl bei nominalem und äquivalenzgewichtetem Haushaltseinkommen als auch bei individuellem Monatsbruttoeinkommen und Bruttostundenlohn. Die geringste Verbreitung findet sich bei Personen, die über kein Erwerbseinkommen verfügen.

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File URL: http://ejournals.duncker-humblot.de/doi/pdfplus/10.3790/vjh.81.2.165
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Bibliographic Info

Article provided by DIW Berlin, German Institute for Economic Research in its journal Vierteljahrshefte zur Wirtschaftsforschung.

Volume (Year): 81 (2012)
Issue (Month): 2 ()
Pages: 165-180

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Handle: RePEc:diw:diwvjh:81-2-11

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Related research

Keywords: Riester pension; low-wage earner; take-up of Riester subsidies;

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