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Zur Sinnhaftigkeit der Riester-Rente

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  • Börsch-Supan, Axel

    ()

  • Gasche, Martin

    ()
    (Munich Center for the Economics of Aging (MEA))

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    Abstract

    Im Jahr 2001 wurde mit der Einführung der so genannten Riester-Rente ein Paradigmenwechsel in der Altersvorsorge eingeleitet. Durch die Finanzkrise 2008/09 ist die Frage, wie groß das Risiko der kapitalgedeckten Altersvorsorge ist, jedoch wieder aktuell geworden. Vor allem wird diskutiert, ob nicht die Höhe der krisenbedingten Vermögensverluste und deren Prozyklität daran zweifeln lässt, dass ein Mischsystem aus Kapitaldeckung und Umlage den Herausforderungen der demographischen Entwicklung am besten gewachsen ist. Dieser Beitrag stellt klar, dass zu einer grundsätzlichen Neuordnung des 2001 eingeführten Mehrsäulenmodells der deutschen Altersvorsorge kein Anlass besteht. Der mittlere krisenbedingte Verlust des Altersvorsorgevermögens liegt bei etwa 2%. Modellierungen der makroökonomischen Effekte mit kurzfristig orientierten Modellen ergeben in der Tat prozyklische Effekte, diese Modellansätze sind dem langfristigen Charakter der privaten Altersvorsorge jedoch völlig unangemessen.

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    Paper provided by Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy in its series MEA discussion paper series with number 10197.

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    Date of creation: 27 Jan 2010
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    Handle: RePEc:mea:meawpa:10197

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