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Riester-Rente und Niedrigeinkommen: was sagen die Daten?


  • Johannes Geyer


Analyses based on data from the Zulagenstelle für Altersvermögen (ZfA) show a high proportion of low wage earners among Riester-Rente savers. This result cannot be generalized to the population because the data include only Riester-Rente savers. However, analyses based on the Socio-Economic Panel (SOEP) show that the demand for Riester plans by low income individuals and households is below average. This result is reflected both by household and personal income measures. The lowest share is found for individuals without earned income. Auswertungen auf Basis der Daten der Zulagenstelle für Altersvermögen (ZfA) zeigen einen hohen Anteil der Geringverdiener unter den Riester-Sparern. Dieses Ergebnis kann aber nicht auf die Bevölkerung übertragen werden, da die Daten nur die Riester-Sparer umfassen. Auswertungen auf Basis des Sozio-oekonomischen Panels (SOEP) zeigen, dass die Verbreitung der Riester-Rente bei Personen und Haushalten mit geringem Einkommen unterdurchschnittlich ist. Dieses Ergebnis zeigt sich sowohl bei nominalem und äquivalenzgewichtetem Haushaltseinkommen als auch bei individuellem Monatsbruttoeinkommen und Bruttostundenlohn. Die geringste Verbreitung findet sich bei Personen, die über kein Erwerbseinkommen verfügen.

Suggested Citation

  • Johannes Geyer, 2012. "Riester-Rente und Niedrigeinkommen: was sagen die Daten?," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 81(2), pages 165-180.
  • Handle: RePEc:diw:diwvjh:81-2-11
    DOI: 10.3790/vjh.81.2.165

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    Cited by:

    1. Christoph Metzger, 2017. "Who is saving privately for retirement and how much? New evidence for Germany," International Review of Applied Economics, Taylor & Francis Journals, vol. 31(6), pages 811-831, November.
    2. Johannes Geyer & Ralf K. Himmelreicher, 2021. "Entgeltumwandlung im Jahr 2018: Wer nutzt sie in welchem Umfang?," Discussion Papers of DIW Berlin 1977, DIW Berlin, German Institute for Economic Research.
    3. Johannes Geyer & Ralf Himmelreicher, 2021. "Charakteristika der Entgeltumwandlung: Wer sorgt in welchem Umfang für das Alter vor?," Discussion Papers of DIW Berlin 1929, DIW Berlin, German Institute for Economic Research.

    More about this item


    Riester pension; low-wage earner; take-up of Riester subsidies;
    All these keywords.

    JEL classification:

    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs


    This item is featured on the following reading lists, Wikipedia, or ReplicationWiki pages:
    1. Riester-Rente in Wikipedia German


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