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Chancen und Risiken der "Riester-Rente"

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  • Essig, Lothar
  • Reil-Held, Anette

Abstract

Der demographische Wandel stellt die umlagefinanzierte Rentenversicherung in Deutschland vor große Probleme. Deshalb wurde mit der Rentenreform 2001 die Absenkung des gesetzlichen Rentenniveaus beschlossen und dafür die kapitalgedeckte zweite und dritte Säule der Altersvorsorge deutlich gestärkt. Die Einführung der zusätzlichen Altersvorsorge bringt zwei Risiken mit sich, die in dieser Arbeit betrachtet werden. Ein Risiko stellt die Freiwilligkeit der zusätzlichen Altersvorsorge dar. Es ist unsicher, ob die Haushalte – insbesondere die einkommensschwachen – den Willen und/oder die Fähigkeit aufbringen, die zusätzliche Ersparnis für das Alter konsequent durchzuführen. Ein weiteres Risiko der zusätzlichen Altersvorsorge, das gleichermaßen eine Chance ist, besteht in der Rendite der eingezahlten Beiträge. Kritiker einer kapitalgedeckten Altersvorsorge weisen häufig, gerade in Anbetracht der aktuellen Entwicklung auf dem Kapitalmarkt, auf das dortige Renditerisiko hin. In diesem Papier wird nun der Frage nachgegangen, ob die Haushalte unter diesen Risiken in der Lage sein werden, die durch die Absenkung der gesetzlichen Rente entstehende Versorgungslücke zu schließen, und welche Spielräume bei den Beitragsleistungen vorhanden sind.

Suggested Citation

  • Essig, Lothar & Reil-Held, Anette, 2004. "Chancen und Risiken der "Riester-Rente"," Papers 04-67, Sonderforschungsbreich 504.
    • Handle: RePEc:mnh:spaper:2680
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    File URL: https://madoc.bib.uni-mannheim.de/2680/1/dp04_67.pdf
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    References listed on IDEAS

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    1. Pfarr, Christian & Schneider, Udo, 2009. "Angebotsinduzierung und Mitnahmeeffekt im Rahmen der Riester-Rente. Eine empirische Analyse [Demand inducement, crowding in and the German Riester pension scheme. (Angebotsinduzierung und Mitnahmee," MPRA Paper 17759, University Library of Munich, Germany.

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