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Riester-Rente: Rezept gegen Altersarmut?

Author

Listed:
  • Johannes Geyer

Abstract

Die 2001 eingeführte staatliche Förderung der sogenannten Riester-Rente hat zum Ziel, die Anreize zum Aufbau einer kapitalgedeckten privaten Altersvorsorge zu erhöhen. In erster Linie soll die private Vorsorge Versicherten der gesetzlichen Rentenversicherung und Beamten helfen, die langfristige Niveauabsenkung der gesetzlichen Renten und Pensionen zu kompensieren. Darüber hinaus zielt die staatliche Förderung insbesondere auf Geringverdiener und Mütter beziehungsweise Familien mit Kindern ab. Nach zehn Jahren haben jedoch weniger als 40 Prozent aller Anspruchsberechtigten einen Riester-Vertrag abgeschlossen. Und eine strukturelle Analyse der Inanspruchnahme der Riester-Rente auf Basis der Daten des sozio-oekonomischen Panels (SOEP) für die Jahre 2004 bis 2010 zeigt, dass Geringverdiener, Personen mit niedrigem Bildungsabschluss und Migrationshintergrund seltener "riestern" als der Durchschnitt der Bevölkerung. Bei Frauen ist die Riester-Rente am weitesten verbreitet, und es zeigt sich, dass die Zahl der Kinder die Wahrscheinlichkeit des Abschlusses eines Riester-Vertrags stark positiv beeinflusst. Die Gruppe der kindererziehenden Versicherten erhält signifikante staatliche Zuschüsse.

Suggested Citation

  • Johannes Geyer, 2011. "Riester-Rente: Rezept gegen Altersarmut?," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 78(47), pages 16-21.
  • Handle: RePEc:diw:diwwob:78-47-3
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    Cited by:

    1. Heike Joebges & Volker Meinhard & Katja Rietzler & Rudolf Zwiener, 2012. "On the Path to Old-Age Poverty - Assessing the Impact of the Funded Riester Pension," IMK Report 73e-2012, IMK at the Hans Boeckler Foundation, Macroeconomic Policy Institute.
    2. Michael Ziegelmeyer & Julius Nick, 2013. "Backing out of private pension provision: lessons from Germany," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 40(3), pages 505-539, August.
    3. Bettina Lamla, 2012. "Family Background, Informal Networks and the Decision to Provide for Old Age: A Siblings Approach," SOEPpapers on Multidisciplinary Panel Data Research 466, DIW Berlin, The German Socio-Economic Panel (SOEP).
    4. Heike Joebges & Volker Meinhard & Katja Rietzler & Rudolf Zwiener, 2012. "Auf dem Weg in die Altersarmut - Bilanz der Einführung der kapitalgedeckten Riester-Rente," IMK Report 73-2012, IMK at the Hans Boeckler Foundation, Macroeconomic Policy Institute.
    5. repec:mea:meawpa:12261 is not listed on IDEAS
    6. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Goll, Nicolas & Maier, Christina, 2016. "15 Jahre Riester - eine Bilanz," Working Papers 12/2016, German Council of Economic Experts / Sachverständigenrat zur Begutachtung der gesamtwirtschaftlichen Entwicklung.
    7. 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.

    More about this item

    Keywords

    Private pension provision; Riester scheme; tax incentives;

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • H24 - Public Economics - - Taxation, Subsidies, and Revenue - - - Personal Income and Other Nonbusiness Taxes and Subsidies
    • H30 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - General
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs

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