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Riester-Renten müssen verbraucherfreundlicher sein

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  • Eva Bell

Abstract

There is still much controversy concerning Riester pensions. A decade after the introduction of funded pensions, criticism has turned to product quality and the lack of basic information for consumers. The design and implementation of the Riester pension shows problems. The paper proposes reforms for an efficient product design and for a requirement for consumer friendly standardized product information sheet. The author gives advice on regulatory requirements to ensure that the original goal of the Riester pension, which is that living standard in retirements, can be achieved. Die Wogen um die Riester-Rente gehen immer noch hoch. Eine Dekade nach Einführung der kapitalgedeckten Altersvorsorge stehen die Produktqualität und die Informationsgrundlagen für Verbraucherinnen und Verbraucher immer noch in der Kritik. Konstruktion und Umsetzung der Riester-Renten weisen aus Verbrauchersicht Mängel auf. Exemplarisch werden Reformvorschläge zur effizienten Produktgestaltung und für ein verbraucherfreundliches Informationsblatt behandelt. Die Autorin gibt Hinweise zum regulatorischen Bedarf, damit das angestrebte Ziel erreicht wird, das bei Einführung der Riester-Rente angestrebt wurde: die Sicherung des Lebensstandards im Alter.

Suggested Citation

  • Eva Bell, 2012. "Riester-Renten müssen verbraucherfreundlicher sein," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 81(2), pages 255-266.
  • Handle: RePEc:diw:diwvjh:81-2-19
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    File URL: http://ejournals.duncker-humblot.de/doi/pdfplus/10.3790/vjh.81.2.255
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    References listed on IDEAS

    as
    1. Johannes Geyer, 2011. "Riester-Rente: Rezept gegen Altersarmut?," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 78(47), pages 16-21.
    2. Tiffe, Achim & Feigl, Michael & Fritze, Jürgen & Götz, Veruschka & Grunert, Claudia & Jaroszek, Lena & Rohn, Ilonka, 2012. "Ausgestaltung eines Produktinformationsblatts für zertifizierte Altersvorsorge- und Basisrentenverträge," EconStor Research Reports 57575, ZBW - German National Library of Economics.
    3. Michela Coppola & Martin Gasche, 2011. "Die Riester-Förderung — Mangelnde Information als Verbreitungshemmnis," Wirtschaftsdienst, Springer;German National Library of Economics, vol. 91(11), pages 792-799, November.
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    More about this item

    Keywords

    Riester pension; consumer protection;

    JEL classification:

    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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