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Hogyan hat a nyugdíjszabályok hiányos ismerete a dolgozók döntéseire?
[How does imperfect knowledge of pension rules affect workers decisions?]

Author

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  • Simonovits, András

    ()

Abstract

A jelen cikk első része Benitez-Silva és szerzőtársai [2009] tanulmányát ismerteti, amely azt dokumentálta, hogy mennyire pontatlanul ismerik az amerikai dolgozók a tb-nyugdíjszabályokat. A szerzők e hiányos tudást figyelembe véve modellezték az amerikai dolgozók nyugdíjdöntéseit. E tanulmányt próbálja magyar helyzetre adaptálni a cikk második része. Vázolja bizonyos nyugdíjszabályok hiányos ismeretére vonatkozó korábbi felmérések eredményeit, s további sejtéseket fogalmaz meg. Két keretmodellben írja le, hogy miként hat a nyugdíjszabályok hiányos ismerete az egyéni döntésekre, végül három minimális modellel szemlélteti e hiányok hatását. A Függelék áttekinti a hazai főszabályok állandó változását. Journal of Economic Literature (JEL) kód: H31, J33.

Suggested Citation

  • Simonovits, András, 2015. "Hogyan hat a nyugdíjszabályok hiányos ismerete a dolgozók döntéseire?
    [How does imperfect knowledge of pension rules affect workers decisions?]
    ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(3), pages 263-283.
  • Handle: RePEc:ksa:szemle:1538
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    References listed on IDEAS

    as
    1. Annamaria Lusardi & Olivia S. Mitchell, 2014. "The Economic Importance of Financial Literacy: Theory and Evidence," Journal of Economic Literature, American Economic Association, vol. 52(1), pages 5-44, March.
    2. John Rust & Christopher Phelan, 1997. "How Social Security and Medicare Affect Retirement Behavior in a World of Incomplete Markets," Econometrica, Econometric Society, vol. 65(4), pages 781-832, July.
    3. András Simonovits, 2014. "Design Errors in Public Pension Systems: The Case of Hungary," IEHAS Discussion Papers 1414, Institute of Economics, Centre for Economic and Regional Studies, Hungarian Academy of Sciences.
    4. Hugo Benítez-Silva & Berna Demiralp & Zhen Liu, 2009. "Social Security Literacy and Retirement Well-Being," Working Papers wp210, University of Michigan, Michigan Retirement Research Center.
    5. Varga, Gergely, 2014. "Demográfiai átmenet, gazdasági növekedés és a nyugdíjrendszer fenntarthatósága
      [Demographic transition, economic growth, and sustainability of the pension system]
      ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(11), pages 1279-1318.
    6. Nicholas Barr & Peter Diamond, 2008. "Reforming Pensions," Working Papers, Center for Retirement Research at Boston College wp2008-26, Center for Retirement Research.
    7. Martin Feldstein, 1985. "The Optimal Level of Social Security Benefits," The Quarterly Journal of Economics, Oxford University Press, vol. 100(2), pages 303-320.
    8. Major, Klára & Varga, Gergely, 2013. "Parametrikus nyugdíjreformok és életciklus-munkakínálat
      [Parametric pension reforms and life-cycle labour supply]
      ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(11), pages 1169-1207.
    9. Simonovits, András, 2013. "Egyszerű paternalista transzfermodellek családja
      [A family of simple paternalistic transfer models]
      ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(4), pages 402-430.
    10. Barr, Nicholas & Diamond, Peter, 2008. "Reforming Pensions: Principles and Policy Choices," OUP Catalogue, Oxford University Press, number 9780195311303.
    11. Finseraas, Henning & Jakobsson, Niklas, 2014. "Does information about the pension system affect knowledge and retirement plans? Evidence from a survey experiment," Journal of Pension Economics and Finance, Cambridge University Press, vol. 13(03), pages 250-271, July.
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    Citations

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    Cited by:

    1. Simonovits, András & Szabó, Endre & Czeglédi, Tibor & Tir, Melinda, 2016. "Nyugdíjba vonulási szabályok Magyarországon - nyertesek és vesztesek
      [Retirement rules in Hungary: gainers and losers]
      ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(12), pages 1261-1288.
    2. Rézmovits, Ádám, 2015. "Nyugdíjkiszámítási rendszerek összehasonlító vizsgálata. A magyar MIDAS előrejelző rendszer nyugdíjmodulja
      [A comparative survey of pension-calculating systems. The pension model of the MIDAS_HU fo
      ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(12), pages 1309-1327.

    More about this item

    JEL classification:

    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household
    • J33 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Compensation Packages; Payment Methods

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