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Die Riester-Förderung – das unbekannte Wesen

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  • Coppola, Michela

    ()

  • Gasche, Martin

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

Abstract

Die Verbreitung der staatlich geförderten privaten Altersvorsorge (Riester-Rente) verläuft insgesamt nach wie vor sehr dynamisch. Zehn Jahre nach Einführung der Riester-Rente ist ihre Verbreitung jedoch in bestimmten Bevölkerungsgruppen noch relativ gering. Ein Grund dafür scheint zu sein, dass ein großer Anteil nichts von seiner Förderberechtigung weiß. Damit kann bei diesen Personen die Förderung ihren Zweck nicht erfüllen, die Entscheidung für eine Riester-Rente positiv zu beeinflussen. Das mangelnde Wissen über die Förderberechtigung ist in den unteren Einkommensgruppen, in denen die Riester-Rente am wenigsten verbreitet ist, am stärksten ausgeprägt. Zudem wissen viele, die einen Riester-Vertrag haben, nicht über die Höhe der Förderung Bescheid. Dies beeinträchtigt die Akzeptanz der Riester-Rente und begünstigt Stornierungen. Die Fehleinschätzung der Förderhöhe kann an der komplizierten Ausgestaltung der Förderung liegen. Bevor über eine Änderung der Förderhöhe oder gar über ein Obligatorium nachgedacht wird, sollten die Informationen über die Förderberechtigung intensiviert werden und eine weitere Vereinfachung der Förderung in Erwägung gezogen werden.

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Bibliographic Info

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 11244.

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Date of creation: 04 Aug 2011
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Handle: RePEc:mea:meawpa:11244

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Postal: Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy, Amalienstraße 33, 80799 München, Germany
Phone: +49/89/38602.442
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References

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  1. Bucher-Koenen, Tabea, 2009. "Financial Literacy and Private Old-age Provision in Germany," MEA discussion paper series 09192, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
  2. Coppola, Michela & Reil-Held, Anette, 2009. "Dynamik der Riester-Rente: Ergebnisse aus SAVE 2003 bis 2008," MEA discussion paper series 09195, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
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Cited by:
  1. Bucher-Koenen, Tabea & Kluth, Sebastian, 2013. "Subjective Life Expectancy and Private Pensions," Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order 79806, Verein für Socialpolitik / German Economic Association.
  2. Bucher-Koenen, Tabea, 2011. "Financial Literacy, Riester Pensions, and Other Private Old Age Provision in Germany," MEA discussion paper series 11250, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
  3. Michael Ziegelmeyer & Julius Nick, 2013. "Backing out of private pension provision: lessons from Germany," Empirica, Springer, vol. 40(3), pages 505-539, August.
  4. Bucher-Koenen, Tabea & Kluth, Sebastian, 2013. "Subjective Life Expectancy and Private Pensions," MEA discussion paper series 12265, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.

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