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Vorschläge zur Verbesserung der kapitalgedeckten Altersvorsorge aus verbraucherpolitischer Sicht

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  • Gerd Billen
  • Lars Gatschke
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    Abstract

    The success of the government-sponsored pension depends on three main factors: (i) Empowering willing consumers to save additional money for the future. For it simplified, standardized, and comparable information about Riester products and expected benefits are needed. (ii) False incentives for distribution of financial products must be eliminated. (iii) Regulation has to be effectively supervised and the consumer protection has to be a focus of the regulatory authority. Der Erfolg der staatlich geförderten Altersvorsorge hängt von drei wesentlichen Faktoren ab: (i) Die Verbraucher müssen tatsächlich willens sein, zusätzliche Sparleistungen aufzubringen. Dafür müssen sie aber auch einfache und transparente Informationen zu den Produkten und bestehenden Anwartschaften erhalten. (ii) Fehlanreize im Vertrieb von Finanzprodukten müssen beseitigt werden; und (iii) Regulierung muss eine wirksame Aufsicht umfassen. Dies setzt bei der Aufsichtsbehörde aber auch einen Paradigmenwechsel voraus: Der Schutz der kollektiven Interessen der Verbraucher muss in den Fokus der Aufsichtspraxis rücken.

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    File URL: http://ejournals.duncker-humblot.de/doi/pdfplus/10.3790/vjh.81.2.237
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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: 237-243

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    Handle: RePEc:diw:diwvjh:81-2-17

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    Related research

    Keywords: Private pensions; transparency; independent advice; non profit product;

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