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Hat die Finanz- und Wirtschaftskrise Verbreitung und Volumen der Riester-Rente beeinflusst?

Author

Listed:
  • Martin Gasche
  • Michael Ziegelmeyer

Abstract

Die Finanz- und Wirtschaftskrise hat auch bei der staatlich geförderten Altersvorsorge (Riester-Rente) Spuren hinterlassen: Die Analyse der SAVE-Befragung 2009 zeigt, dass der Verbreitungsgrad der Riester-Rente Ende des Jahres 2008 stagnierte. Diese Stagnation betraf allerdings nicht die Haushalte mit niedrigen Einkommen. Bei diesen schwächte sich der Zuwachs der Verbreitung lediglich ab. Die Stagnation des Verbreitungsgrades kann nicht als Indiz für einen generellen „Sättigungseffekt“, also für ein Ende der Dynamik bei der Verbreitung der Riester-Rente, verwendet werden. Vielmehr handelt es sich um einen Sondereffekt durch die Finanzkrise. Dass die Finanz- und Wirtschaftskrise nicht zu einer Krise der privaten Altersvorsorge geführt hat, beweist die Entwicklung des Sparvolumens je Vertrag. Dieses ist im Jahr 2008 sogar überproportional gestiegen. Der überproportionale Anstieg ist insbesondere für die oberen Einkommensquintile festzustellen, in welchen zumindest ein Großteil der Riestersparer „die Riestertreppe mitgeht“.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Martin Gasche & Michael Ziegelmeyer, 2010. "Hat die Finanz- und Wirtschaftskrise Verbreitung und Volumen der Riester-Rente beeinflusst?," Wirtschaftsdienst, Springer;ZBW - Leibniz Information Centre for Economics, vol. 90(4), pages 255-261, April.
    • Handle: RePEc:spr:wirtsc:v:90:y:2010:i:4:p:255-261
    DOI: 10.1007/s10273-010-1065-x
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    1. repec:mea:meawpa:12264 is not listed on IDEAS
    2. Gasche, Martin & Lamla, Bettina, 2012. "Erwartete Altersarmut in Deutschland: Pessimismus und Fehleinschätzungen – Ergebnisse aus der SAVE-Studie," MEA discussion paper series 201213, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    3. Bucher-Koenen, Tabea & Kluth, Sebastian, 2013. "Subjective Life Expectancy and Private Pensions," VfS Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order 79806, Verein für Socialpolitik / German Economic Association.
    4. Michael Ziegelmeyer & Julius Nick, 2013. "Backing out of private pension provision: lessons from Germany," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 40(3), pages 505-539, August.
    5. repec:mea:meawpa:12262 is not listed on IDEAS
    6. Bucher-Koenen, Tabea & Kluth, Sebastian, 2013. "Subjective Life Expectancy and Private Pensions," MEA discussion paper series 201214, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    7. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Goll, Nicolas & Maier, Christina, 2016. "15 Jahre Riester - eine Bilanz," Working Papers 12/2016, German Council of Economic Experts / Sachverständigenrat zur Begutachtung der gesamtwirtschaftlichen Entwicklung.
    8. repec:mea:meawpa:12265 is not listed on IDEAS
    9. Bucher-Koenen, Tabea, 2011. "Financial Literacy, Riester Pensions, and Other Private Old Age Provision in Germany," MEA discussion paper series 11250, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.

    More about this item

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies

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