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Constitution d’un revenu complémentaire de retraite : quels sont les facteurs déterminants?

Listed author(s):
  • Najat El Mekkaoui de Freitas
  • Bérangère Legendre

[fre] Quels sont les facteurs déterminants de la détention de produits d’épargne de long terme par les ménages dans une optique de financement complémentaire de la retraite ? Une analyse économétrique des taux de détention des produits d’épargne retraite et d’assurance vie à partir des données de la dernière enquête Patrimoine donne quelques éléments de réponse. Cette enquête intègre en effet les nouveaux produits d’épargne spécifiquement dédiés au financement complémentaire de la retraite mis en place à la suite de la réforme du système de retraite de 2003. Nous montrons à l’aide de modèles de décision (probits bivariés) que les détentions d’assurances vie et d’épargne retraite sont complémentaires et guidées par les mêmes facteurs. L’âge et la composition du ménage restent des déterminants primordiaux des comportements de détention : les plus jeunes contractent moins fréquemment ce type de produits, tandis que les couples ont un motif supplémentaire pour constituer une épargne à long terme : la protection du conjoint survivant. Les travailleurs indépendants, qu’ils soient encore en activité ou non, souscrivent également plus fréquemment que les salariés du secteur privé à des produits d’épargne mobilisables pour le financement de la retraite. Par ailleurs, après contrôle du niveau de vie du ménage d’appartenance, ne pas être diplômé démontre un impact significatif et négatif relativement important sur la détention d’assurances vie et de contrats d’épargne retraite : cela accroît la probabilité de ne détenir aucun produit d’épargne mobilisable pour la retraite de près de 8 %. Dans ce contexte, le dispositif d’information retraite, en tant que complément à l’éducation économique et financière de base, pourrait s’avérer un outil efficace pour inciter à la détention d’assurance vie pour motif retraite et d’épargne retraite.

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Article provided by Programme National Persée in its journal Economie et statistique.

Volume (Year): 472 (2014)
Issue (Month): 1 ()
Pages: 153-167

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Handle: RePEc:prs:ecstat:estat_0336-1454_2014_num_472_1_10494
Note: DOI:10.3406/estat.2014.10494
Contact details of provider: Web page: http://www.persee.fr/collection/estat

References listed on IDEAS
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  1. Alexis Direr & Muriel Roger, 2010. "Le Produit d’épargne retraite populaire (Perp) : caractéristiques des détenteurs et projection des niveaux de rentes," Économie et Prévision, Programme National Persée, vol. 194(3), pages 79-92.
  2. Richard Blundell & Martin Browning & Costas Meghir, 1994. "Consumer Demand and the Life-Cycle Allocation of Household Expenditures," Review of Economic Studies, Oxford University Press, vol. 61(1), pages 57-80.
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  4. Tito Boeri & Guido Tabellini, 2012. "Does information increase political support for pension reform?," Public Choice, Springer, vol. 150(1), pages 327-362, January.
  5. Annamarie Lusardi & Olivia S. Mitchell, 2005. "Financial Literacy and Planning: Implications for Retirement Wellbeing," Working Papers wp108, University of Michigan, Michigan Retirement Research Center.
  6. John Ameriks & Andrew Caplin & John Leahy, 2003. "Wealth Accumulation and the Propensity to Plan," The Quarterly Journal of Economics, Oxford University Press, vol. 118(3), pages 1007-1047.
  7. Lusardi, Annamaria & Mitchell, Olivia S., 2007. "Baby Boomer retirement security: The roles of planning, financial literacy, and housing wealth," Journal of Monetary Economics, Elsevier, vol. 54(1), pages 205-224, January.
  8. Browning, Martin & Francois Bourguignon & Pierre-Andre Chiappori & Valerie Lechene, 1994. "Income and Outcomes: A Structural Model of Intrahousehold Allocation," Journal of Political Economy, University of Chicago Press, vol. 102(6), pages 1067-1096, December.
  9. Annamaria Lusardi & Olivia S Mitchelli, 2007. "Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 42(1), pages 35-44, January.
  10. JohnKarl Scholz & Ananth Seshadri, 2007. "Children and Household Wealth," Working Papers wp158, University of Michigan, Michigan Retirement Research Center.
  11. Annamaria Lusardi & Olivia Mitchell, 2006. "Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education Programs," Working Papers wp144, University of Michigan, Michigan Retirement Research Center.
  12. Beverly, Sondra G. & Sherraden, Michael, 1999. "Institutional determinants of saving: implications for low-income households and public policy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 28(4), pages 457-473.
  13. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
  14. David E. Bloom & David Canning & Bryan Graham, 2003. "Longevity and Life-cycle Savings," Scandinavian Journal of Economics, Wiley Blackwell, vol. 105(3), pages 319-338, 09.
  15. Luc Arrondel & André Masson & Daniel Verger, 2008. "Le patrimoine en France : état des lieux, historique et perspectives," Économie et Statistique, Programme National Persée, vol. 417(1), pages 3-25.
  16. Tito Boeri & Axel Boersch-Supan & Guido Tabellini, 2002. "Pension Reforms and the Opinions of European Citizens," American Economic Review, American Economic Association, vol. 92(2), pages 396-401, May.
  17. Essig, Lothar, 2005. "Precautionary saving and old-age provisions : do subjective saving motives measures work?," Papers 05-22, Sonderforschungsbreich 504.
  18. Lothar Essig, 2005. "Precautionary saving and old-age provisions: Do subjective saving motive measures work?," MEA discussion paper series 05084, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
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