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Pan-European Personal Pension Product, a New Path Forward


  • Dragos Mihai UNGUREANU

    () (Spiru Haret University, Faculty of Economic Sciences, 46 G Fabricii Str., District 6 Bucharest, Romania)


Personal pension markets are unequally developed and personal pension products are unequally affordable across the European Union (EU). People who wish to save more for retirement need a greater choice of suitable personal pension products that rely on capital markets-based investments.The paper aims to present and explain the need for product diversity in the pension scheme. This kind of proposal should create a quality label for EU personal pension products and increase trust among consumers, but also could lead to complications and interference with the current system at national level. An EU initiative on personal pensions could therefore complement the current divergent rules at EU and national level by adding a pan-European framework for pension, for individuals who wish to use this additional saving option.

Suggested Citation

  • Dragos Mihai UNGUREANU, 2017. "Pan-European Personal Pension Product, a New Path Forward," International Conference on Economic Sciences and Business Administration, Spiru Haret University, vol. 4(1), pages 355-364, November.
  • Handle: RePEc:icb:wpaper:v:4:y:2017:i:1:355-364

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    References listed on IDEAS

    1. Lannoo, Karel & Pollack, Alan & Stæhr, Ole, 2015. "Keep capital markets union simple," CEPS Papers 10803, Centre for European Policy Studies.
    2. Lannoo, Karel & Pollack, Alan & Stæhr, Ole, 2015. "Keep capital markets union simple," ECMI Papers 10803, Centre for European Policy Studies.
    3. Lannoo, Karel, 2017. "At last, a Pan-European Pension Product!," ECMI Papers 12783, Centre for European Policy Studies.
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    More about this item


    ageing population; European personal pension; single market; investment option.;

    JEL classification:

    • G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions
    • J11 - Labor and Demographic Economics - - Demographic Economics - - - Demographic Trends, Macroeconomic Effects, and Forecasts
    • 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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