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Die Rolle der betrieblichen Altersvorsorge für die Einkünfte im Alter: Aktuelle Evidenz und Datengrundlagen

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  • Bucher-Koenen, Tabea
  • Knebel, Caroline
  • Meyer, Christina

Abstract

Trotz der sozialpolitischen Bedeutung, die der betrieblichen Altersvorsorge (bAV) seit den Rentenreformen der Neunziger- und Zweitausenderjahre zukommt, werden die unvollständige Evidenzlage, Intransparenz und fehlende Datengrundlagen in den letzten Jahren regelmäßig bemängelt. In diesem Beitrag fassen wir die vorhandenen Datenquellen und den aktuellen Wissensstand zur bAV in Deutschland zusammen. Vor dem Hintergrund der zunehmend wichtigen Rolle der betrieblichen Altersvorsorge für die Einkommen im Alter, sollte die Evidenzlage verbessert werden, besonders um mögliche sozialpolitischen Handlungsbedarf abzuschätzen. Für die Bewertung der aktuellen Ersparnisbildung und der Abschätzung künftiger Alterseinkommen sollten der Ausgangspunkt der Analysen Individuen bzw. Haushalte sein. Da Survey- basierte Daten jedoch die bAV Abdeckung tendenziell untererfassen, da Personen oft schlecht über ihre bAV Ansprüche informiert sind, sollten umfragebasierte Daten mit administrativen Daten kombiniert werden. Bestehende Datenlücken sollten dringend z.B. durch die Erfassung zusätzlicher Größen in bestehenden Datensätzen geschlossen werden. Außerdem sollte der Zugang von Wissenschaftler:innen zu Datenquellen erleichtert werden.

Suggested Citation

  • Bucher-Koenen, Tabea & Knebel, Caroline & Meyer, Christina, 2021. "Die Rolle der betrieblichen Altersvorsorge für die Einkünfte im Alter: Aktuelle Evidenz und Datengrundlagen," ZEW Discussion Papers 21-099, ZEW - Leibniz Centre for European Economic Research.
    • Handle: RePEc:zbw:zewdip:21099
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    Keywords

    occupational pensions; data basis; literature research; Germany;
    All these keywords.

    JEL classification:

    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies
    • J32 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Nonwage Labor Costs and Benefits; Retirement Plans; Private Pensions

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