IDEAS home Printed from https://ideas.repec.org/a/ces/ifodre/v19y2012i02p13-18.html

Erwartungen und Sparen: wie wirken Arbeitslosigkeits- und Gesundheitserwartungen auf die Sparentscheidung von Haushalten?

Author

Listed:
  • Stefan Arent

Abstract

Individuen möchten ihre Einkommensverhältnisse und damit ihren Konsum nach Möglichkeit über einen langen Zeitraum konstant halten. Dieses Ziel lässt sich am einfachsten durch Sparen erreichen. Dabei stellt sich die Frage, ob bzw. wie Erwartungen über zukünftige Entwicklungen die Sparentscheidungen beeinflussen können. Im einfachsten Fall ist dabei davon auszugehen, dass eine sinkende Einkommenserwartung zu höheren Ersparnissen führen sollte. Für Westdeutschland jedoch lässt sich zeigen, dass eine steigende Arbeitslosigkeitserwartung und damit eine sinkende Einkommenserwartung zu einer Absenkung der kurzfristigen Sparquote führen. Für Ostdeutschland findet sich kein signifikanter Einfluss der Arbeitslosigkeitserwartung auf die Sparquote der Haushalte. Außerdem zeigt sich, dass in Westdeutschland sowohl eine gute Gesundheitserwartung als auch eine gute Gesundheitssituation die Sparneigung erhöhen. Im Osten wirkt beides hingegen negativ auf die Sparquote.

Suggested Citation

  • Stefan Arent, 2012. "Erwartungen und Sparen: wie wirken Arbeitslosigkeits- und Gesundheitserwartungen auf die Sparentscheidung von Haushalten?," ifo Dresden berichtet, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 19(02), pages 13-18, April.
    • Handle: RePEc:ces:ifodre:v:19:y:2012:i:02:p:13-18
    as

    Download full text from publisher

    File URL: https://www.ifo.de/DocDL/ifodb_2012_2_13_18.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Christopher D. Carroll & Karen E. Dynan & Spencer D. Krane, 2003. "Unemployment Risk and Precautionary Wealth: Evidence from Households' Balance Sheets," The Review of Economics and Statistics, MIT Press, vol. 85(3), pages 586-604, August.
    2. Eeckhoudt, Louis & Schlesinger, Harris, 2008. "Changes in risk and the demand for saving," Journal of Monetary Economics, Elsevier, vol. 55(7), pages 1329-1336, October.
    3. Stefan Arent, 2012. "Expectations and Saving Behavior: An Empirical Analysis," ifo Working Paper Series 128, ifo Institute - Leibniz Institute for Economic Research at the University of Munich.
    4. Stefan Arent & Alexander Eck & Michael Kloß & Oskar Krohmer, 2012. "Income Risk, Saving and Taxation:Will Precautionary Saving Survive?," ifo Working Paper Series 125, ifo Institute - Leibniz Institute for Economic Research at the University of Munich.
    5. Engen, Eric M. & Gruber, Jonathan, 2001. "Unemployment insurance and precautionary saving," Journal of Monetary Economics, Elsevier, vol. 47(3), pages 545-579, June.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Marcus Klemm, 2012. "Job Security Perceptions and the Saving Behavior of German Households," Ruhr Economic Papers 0380, Rheinisch-Westfälisches Institut für Wirtschaftsforschung, Ruhr-Universität Bochum, Universität Dortmund, Universität Duisburg-Essen.
    2. Stefan Arent, 2012. "Expectations and Saving Behavior: An Empirical Analysis," ifo Working Paper Series 128, ifo Institute - Leibniz Institute for Economic Research at the University of Munich.
    3. Klemm, Marcus, 2012. "Job Security Perceptions and the Saving Behavior of German Households," Ruhr Economic Papers 380, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    4. Robin Jessen & Davud Rostam-Afschar & Sebastian Schmitz, 2018. "How important is precautionary labour supply?," Oxford Economic Papers, Oxford University Press, vol. 70(3), pages 868-891.
    5. Love, David, 2006. "Buffer stock saving in retirement accounts," Journal of Monetary Economics, Elsevier, vol. 53(7), pages 1473-1492, October.
    6. Heinzel Christoph & Richard Peter, 2021. "Precautionary motives with multiple instruments," Working Papers SMART 21-09, INRAE UMR SMART.
    7. Christoph Basten & Andreas Fagereng & Kjetil Telle, 2016. "Saving and Portfolio Allocation Before and After Job Loss," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 48(2-3), pages 293-324, March.
    8. Zhu, Yaqun & Kong, Jun, 2025. "Homeownership and public sector employment: Evidence from the removal of home purchase restrictions in China," Journal of Housing Economics, Elsevier, vol. 67(C).
    9. Eeckhoudt, Louis & Schlesinger, Harris, 2008. "Changes in risk and the demand for saving," Journal of Monetary Economics, Elsevier, vol. 55(7), pages 1329-1336, October.
    10. Tian Xiong & Kaan Celebi & Paul J. J. Welfens, 2022. "OECD countries’ twin long-run challenge: The impact of aging dynamics and increasing natural disasters on savings ratios," International Economics and Economic Policy, Springer, vol. 19(4), pages 741-759, October.
    11. Donatella Baiardi & Marco Magnani & Mario Menegatti, 2020. "The theory of precautionary saving: an overview of recent developments," Review of Economics of the Household, Springer, vol. 18(2), pages 513-542, June.
    12. Temel Taskin, 2010. "Unemployment Insurance and Home Production," 2010 Meeting Papers 93, Society for Economic Dynamics.
    13. Johannes Geyer, 2011. "The Effect of Health and Employment Risks on Precautionary Savings," SOEPpapers on Multidisciplinary Panel Data Research 408, DIW Berlin, The German Socio-Economic Panel (SOEP).
    14. Ragnar E. Juelsrud & Ella Getz Wold, 2025. "The Importance of Unemployment Risk for Individual Savings," Management Science, INFORMS, vol. 71(8), pages 6746-6769, August.
    15. J. Atsu Amegashie & Michael Batu, 2020. "The Welfare State and International Remittances," Finnish Economic Papers, Finnish Economic Association, vol. 29(1), pages 33-51, Spring.
    16. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).
    17. Cristina Barceló & Ernesto Villanueva, 2010. "The response of household wealth to the risk of losing the job: evidence from differences in firing costs," Working Papers 1002, Banco de España.
    18. Lugilde, Alba & Bande, Roberto & Riveiro, Dolores, 2017. "Precautionary Saving: a review of the theory and the evidence," MPRA Paper 77511, University Library of Munich, Germany.
    19. T. van der Valk, 2019. "Quid pro quo: the institutional environment and the allocation of household wealth," Working Papers 19-25, Utrecht School of Economics.
    20. Michele Limosani & Emanuele Millemaci, 2014. "Precautionary savings of agents with heterogeneous risk aversion," Applied Economics, Taylor & Francis Journals, vol. 46(20), pages 2342-2361, July.

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ces:ifodre:v:19:y:2012:i:02:p:13-18. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Klaus Wohlrabe (email available below). General contact details of provider: https://edirc.repec.org/data/ifooode.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.