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Altersvorsorgesysteme in Europa

Author

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  • Thomas Url

    (WIFO)

Abstract

In Europa besteht eine Vielfalt an Altersvorsorgesystemen, die sich entweder am Ziel der Armutsvermeidung oder am Ziel der Erhaltung des Lebensstandards orientieren. Diese Studie vergleicht die Systeme anhand des Rasters des Dreisäulenmodells. Europäische Länder setzen in unterschiedlichem Ausmaß verpflichtende staatliche Einrichtungen, Betriebspensionen oder freiwillige private Instrumente ein. Betriebliche und private Einrichtungen sind in Ländern, die eher am Ziel der Armutsvermeidung im Alter ausgerichtet sind, stärker verbreitet. Unter Berücksichtigung aller drei potentiellen Quellen für Pensionszahlungen erhalten Erwerbstätige mit einem Durchschnittseinkommen eine Pensionsleistung zwischen 55% und 100% ihres Erwerbseinkommens; der Großteil der Länder liegt im Bereich zwischen 68% und 85% des Erwerbseinkommens. Die betriebliche und die private Altersvorsorge haben vor allem in Ländern mit (aus derzeitiger Sicht) hohen prognostizierten Abgängen im öffentlichen Pensionssystem (Luxemburg, Zypern, Slowenien, Belgien, Malta und Slowakei) bzw. hohen erwarteten Kürzungen der Leistungsquote (Polen, Lettland, Portugal, Österreich, Rumänien, Griechenland, Zypern und Frankreich) ein Potential.

Suggested Citation

  • Thomas Url, 2015. "Altersvorsorgesysteme in Europa," WIFO Studies, WIFO, number 57913, April.
    • Handle: RePEc:wfo:wstudy:57913
    Note: With English abstract.
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    References listed on IDEAS

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    Cited by:

    1. Christine Mayrhuber, 2020. "Konsumstruktur und Abgabenlast der Pensionshaushalte in Österreich," WIFO Studies, WIFO, number 67249, April.
    2. Thomas Url, 2016. "Privatversicherungswirtschaft 2015 mit geringer Dynamik," WIFO Monatsberichte (monthly reports), WIFO, vol. 89(9), pages 643-653, September.
    3. Thomas Url, 2016. "Private Insurance Sector Showing Weak Dynamics in 2015," WIFO Bulletin, WIFO, vol. 21(15), pages 146-155, November.
    4. Thomas Url, 2018. "Prämieneinnahmen der Privatversicherung 2017 neuerlich gesunken," WIFO Monatsberichte (monthly reports), WIFO, vol. 91(9), pages 639-649, September.

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