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Patrimoine privé et retraite en France

Author

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  • Thomas Blanchet

    (ENSAE - Ecole Nationale de la Statistique et de l'Analyse Economique - Ecole Nationale de la Statistique et de l'Analyse Economique, PSE - Paris School of Economics - UP1 - Université Paris 1 Panthéon-Sorbonne - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres - EHESS - École des hautes études en sciences sociales - ENPC - École des Ponts ParisTech - CNRS - Centre National de la Recherche Scientifique - INRAE - Institut National de Recherche pour l’Agriculture, l’Alimentation et l’Environnement)

  • Yves Dubois

    (INSEE Paris - INSEE Paris)

  • Anthony Marino

    (INSEE Paris - INSEE Paris)

  • Muriel Roger

    (PSE - Paris School of Economics - UP1 - Université Paris 1 Panthéon-Sorbonne - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres - EHESS - École des hautes études en sciences sociales - ENPC - École des Ponts ParisTech - CNRS - Centre National de la Recherche Scientifique - INRAE - Institut National de Recherche pour l’Agriculture, l’Alimentation et l’Environnement, PSE - Paris-Jourdan Sciences Economiques - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres - INRA - Institut National de la Recherche Agronomique - EHESS - École des hautes études en sciences sociales - ENPC - École des Ponts ParisTech - CNRS - Centre National de la Recherche Scientifique)

Abstract

L'existence d'un système de retraite modifie les comportements d'épargne des ménages. Nous estimons le phénomène de substitution entre épargne privée et montant des droits à pension dans le cas français à partir des données de l'enquête Patrimoine et du modèle de microsimulation Destinie de l'INSEE. Les comportements d'épargne sont modélisés à l'aide du modèle de Gale (1998). Les résultats mettent en évidence des comportements de substitution entre l'épargne des ménages et leurs droits à pension. L'amplitude de ces effets est sensible aux paramètres d'actualisation des agents. Une hausse des pensions publiques induit une diminution de l'épargne complémentaire retraite et une diminution de l'investissement immobilier. Ce second effet est prédominant.

Suggested Citation

  • Thomas Blanchet & Yves Dubois & Anthony Marino & Muriel Roger, 2016. "Patrimoine privé et retraite en France," Working Papers halshs-01292412, HAL.
    • Handle: RePEc:hal:wpaper:halshs-01292412
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-01292412
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    References listed on IDEAS

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    1. Jérôme Bourdieu & Benoît Rapoport & Muriel Roger, 2014. "Montant et composition du patrimoine des indépendants, avant et après le départ à la retraite," Économie et Statistique, Programme National Persée, vol. 472(1), pages 169-193.
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    Cited by:

    1. Mathieu Lefebvre & Sergio Perelman, 2016. "Social security wealth and household asset holdings: new evidence from Belgium," Working Papers of BETA 2016-38, Bureau d'Economie Théorique et Appliquée, UDS, Strasbourg.

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    Keywords

    Patrimoine; Retraites; Cycle de vie;
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