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Pension reform, financial literacy and public information: a case study of the United Kingdom

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Author Info
Whitehouse, Edward

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Abstract

Consumers in most countries are generally not well informed about pensions. Both general facts about the structure of the pension system and specific data on their own pension entitlements are lacking. Many people, as a result, might have unrealistic expectations of their retirement incomes. But apathy and indifference to pension planning (and personal finances in general) form a large barrier to improving people’s knowledge of the pension system and how it affects them. This paper looks at the experience of the United Kingdom. A number of interesting initiatives to improve general and individual pension information are described and assessed.

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Publisher Info
Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 10323.

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Date of creation: Jan 2000
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Handle: RePEc:pra:mprapa:10323

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Related research
Keywords: pension retirement financial literacy

Find related papers by JEL classification:
H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
D14 - Microeconomics - - Household Behavior - - - Personal Finance

References listed on IDEAS
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  1. Ronald Lee & Jonathan Skinner, 1999. "Will Aging Baby Boomers Bust the Federal Budget?," Journal of Economic Perspectives, American Economic Association, vol. 13(1), pages 117-140, Winter. [Downloadable!] (restricted)
  2. Armando Barrientos, 1998. "Supplementary pension coverage in Britain," Fiscal Studies, Institute for Fiscal Studies, vol. 19(4), pages 429-446, November. [Downloadable!]
  3. Gavin Brown & Paul Draper & Eddie McKenzie, 1997. "Consistency of UK Pension Fund Investment Performance," Journal of Business Finance & Accounting, Blackwell Publishing, vol. 24(2), pages 155-178. [Downloadable!] (restricted)
  4. Dilnot, Andrew & Disney, Richard & Johnson, Paul & Whitehouse, Edward, 1994. "Pensions policy in the UK: An economic analysis," MPRA Paper 10478, University Library of Munich, Germany. [Downloadable!]
  5. Richard Disney, 1995. "Occupational pension schemes: prospects and reforms in the UK," Fiscal Studies, Institute for Fiscal Studies, vol. 16(3), pages 19-39, September. [Downloadable!]
  6. Brown, Stephen J & Goetzmann, William N, 1995. " Performance Persistence," Journal of Finance, American Finance Association, vol. 50(2), pages 679-98, June. [Downloadable!] (restricted)
    Other versions:
  7. Richard Disney & Sarah Tanner, 1999. "What can we learn from retirement expectations data?," IFS Working Papers W99/17, Institute for Fiscal Studies. [Downloadable!]
  8. Richard Disney & Costas Meghir & Edward Whitehouse, 1994. "Retirement behaviour in Britain," Fiscal Studies, Institute for Fiscal Studies, vol. 15(1), pages 24-43, February.
  9. Sarah Tanner, 1998. "The dynamics of male retirement behaviour," Fiscal Studies, Institute for Fiscal Studies, vol. 19(2), pages 175-196, May. [Downloadable!]
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