IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Log in (now much improved!) to save this article

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

Author Info

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

Abstract

[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.

Download Info

To our knowledge, this item is not available for download. To find whether it is available, there are three options:
1. Check below under "Related research" whether another version of this item is available online.
2. Check on the provider's web page whether it is in fact available.
3. Perform a search for a similarly titled item that would be available.

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

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

as
in new window

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

Keywords:

Other versions of this item:

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

as
in new window


  1. 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.
  2. Tito Boeri & Guido Tabellini, 2012. "Does information increase political support for pension reform?," Public Choice, Springer, vol. 150(1), pages 327-362, January.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
  8. 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.
  9. Alexis Direr & Muriel Roger, 2010. "Le Produit d'Épargne Retraite Populaire (Perp) : caractéristiques des détenteurs et projection des niveaux de rentes," Economie & Prévision, La Documentation Française, vol. 0(3), pages 79-92.
  10. 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.
  11. 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.
  12. Annamarie Lusardi & Olivia S. Mitchell, 2005. "Financial Literacy and Planning: Implications for Retirement Wellbeing," Working Papers wp108, University of Michigan, Michigan Retirement Research Center.
  13. Alan L. Gustman & Thomas L. Steinmeier, 2001. "Imperfect Knowledge, Retirement and Saving," Working Papers wp012, University of Michigan, Michigan Retirement Research Center.
  14. 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.
  15. JohnKarl Scholz & Ananth Seshadri, 2007. "Children and Household Wealth," Working Papers wp158, University of Michigan, Michigan Retirement Research Center.
  16. 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.
  17. 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.
  18. Essig, Lothar, 2005. "Precautionary saving and old-age provisions : do subjective saving motives measures work?," Papers 05-22, Sonderforschungsbreich 504.
Full references (including those not matched with items on IDEAS)

The CitEc project has not yet found citations to this item.

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

Access and download statistics

When requesting a correction, please mention this item's handle: RePEc:prs:ecstat:estat_0336-1454_2014_num_472_1_10494. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Equipe PERSEE)

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.