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Hogyan tervezzük a nyugdíjjáradék-függvényt, ha a halandóság a kereset csökkenő függvénye?
[Designing pension-benefit schedules when longevities increase with wages]

Author

Listed:
  • Simonovits, András

Abstract

A nyugdíjrendszerek tervezésénél általában figyelmen kívül hagyják, hogy minél jobban keres valaki, annál tovább él (annál inkább csökken a halandósági ráta), és gyakran annál később megy nyugdíjba. Mivel a magasabb és az alacsonyabb jövedelműek élettartama közötti különbség egyre nő, egyre kevésbé tartható az e jelenséggel szembeni közömbösség, különösen a befizetéssel meghatározott (notional defined contribution, NDC) eszmei nyugdíjszámlánál. Három egyszerű nyugdíjmodellel elemezzük, hogyan lehet a rövidebb életű szegényebbektől a hosszabb életű jobbmódúakhoz áramló transzfereket csökkenteni vagy megfordítani. Az NDC mellé alapnyugdíjat keverve vagy a nyugdíjemelés bérindexálási súlyát csökkentve, ez megvalósítható. Nyitott kérdés, hogy a figyelmen kívül hagyott viselkedési reakciók (a feltételezett alapnyugdíj mellett kisebb súlyú NDC miatt kisebb munkakínálat és nagyobb jövedelemeltitkolás) és az időnként előálló bérrobbanások hogyan hatnak a jólétre.* Journal of Economic Literature (JEL) kód: D10, H55.

Suggested Citation

  • Simonovits, András, 2018. "Hogyan tervezzük a nyugdíjjáradék-függvényt, ha a halandóság a kereset csökkenő függvénye? [Designing pension-benefit schedules when longevities increase with wages]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 831-846.
    • Handle: RePEc:ksa:szemle:1789
    DOI: 10.18414/KSZ.2018.7-8.831
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    References listed on IDEAS

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    1. Edward Whitehouse & Asghar Zaidi, 2008. "Socio-Economic Differences in Mortality: Implications for Pensions Policy," OECD Social, Employment and Migration Working Papers 71, OECD Publishing.
    2. Ayuso, Mercedes & Bravo, Jorge Miguel & Holzmann, Robert, 2016. "Addressing Longevity Heterogeneity in Pension Scheme Design and Reform," IZA Discussion Papers 10378, Institute of Labor Economics (IZA).
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    11. Simonovits, András & Eső, Péter, 2003. "Optimális járadékfüggvény tervezése rugalmas nyugdíjrendszerre [Designing optimal benefit rules for flexible retirement]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(2), pages 99-111.
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    15. Simonovits, András, 2018. "Hogyan értékelte alá a tb-nyugdíj "optimális" szintjét Feldstein 1985-ben? [How did Feldstein undervalue the "optimal" level of social-security benefits?]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(1), pages 66-73.
    16. Peter Diamond, 2004. "Social Security," American Economic Review, American Economic Association, vol. 94(1), pages 1-24, March.
    17. Sánchez-Romero, Miguel & Prskawetz, Alexia, 2017. "Redistributive effects of the US pension system among individuals with different life expectancy," The Journal of the Economics of Ageing, Elsevier, vol. 10(C), pages 51-74.
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    20. P. Eső & A. Simonovits & J. Tóth, 2011. "Designing benefit rules for flexible retirement: Welfare vs. redistribution," Acta Oeconomica, Akadémiai Kiadó, Hungary, vol. 61(1), pages 3-32, March.
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    Cited by:

    1. Simonovits, András, 2020. "A magyar nyugdíjrendszer középtávú feszültségei [The middle-term tensions of the Hungarian pension system]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(5), pages 456-473.
    2. Simonovits, András, 2018. "Miért kell a nyugdíj-valorizálást és -indexálást pontrendszerrel felváltani? [Why should valorisation and indexing pensions be replaced by a points system?]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(9), pages 903-922.

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    More about this item

    JEL classification:

    • D10 - Microeconomics - - Household Behavior - - - General
    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions

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