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Identifikation von Sparprofilen im Lebenszyklus

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  • Rodepeter, Ralf

Abstract

Ein Schlüsselelement des Haushaltsverhaltens - das Sparen - ist noch immer nicht befriedigend erklärt. Die Lebenszyklustheorie von Modigliani et. al. wurde durch Liqiuditätsrestriktionen, Mortalitäts-, Gesundheits-, Einkommens-, Zins- und andere Unsicherheiten erweitert, neuerdings auch durch "Behavioral"-Elemente. Jede dieser Erweiterungen erklärt Teile des Sparverhaltens, die Widersprüche bleiben jedoch bestehen. Dieses Papier wirft die Frage auf, inwieweit die beobachtbaren Sparprofile mit den konkurrierenden Theorien indentifiziert werden können. Es soll von den in Deutschland beobachteten Alterssparprofilen ausgegangen und diese mit den simulierten Profilen verglichen werden, die unter verschiedenen Varianten der erweiterten Lebenszyklushypothese entstanden sind. Es wird gezeigt, daß die Sparprofile per se die einzelnen Theorien zum Sparverhalten nicht auseinanderhalten können. Dies bedeutet ebenso, daß die in der Literatur häufig zu findendne Schätzungen von Eulergleichungen nicht identifiziert sind.

Suggested Citation

  • Rodepeter, Ralf, 1997. "Identifikation von Sparprofilen im Lebenszyklus," Papers 97-01, Sonderforschungsbreich 504.
    • Handle: RePEc:mnh:spaper:2904
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    1. Kathrin Dummann, 2007. "What Determines the Demand for Occupational Pensions in Germany?," SOEPpapers on Multidisciplinary Panel Data Research 67, DIW Berlin, The German Socio-Economic Panel (SOEP).

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