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

Listed author(s):
  • Najat El Mekkaouide Freitas

    ()

    (LEDa - Laboratoire d'Economie de Dauphine - Université Paris-Dauphine)

  • Bérangère Legendre

    (IREGE - Institut de Recherche en Gestion et en Economie - USMB [Université de Savoie] [Université de Chambéry] - Université Savoie Mont Blanc)

Quels sont les facteurs déterminants de la détention de produits d'épargne de long terme mobilisés par les ménages dans une optique de financement complémentaire de la retraite ? Pour répondre à cette question, nous mobilisons les données de la dernière enquête Patrimoine et proposons une analyse économétrique des taux de détention de différents produits d'épargne retraite et d'assurance vie. Les ménages français contractent plus fréquemment des assurances vie en cas de vie lorsqu'ils souhaitent épargner à long terme. S'ils sont historiquement peu enclins à contracter des produits d'épargne retraite privés, la réforme du système de retraite de 2003 a conduit à la mise en place de nouveaux produits spécifiquement dédiés au financement complémentaire de la retraite.L'enquête Patrimoine de 2010 intègre ces nouveaux produits d'épargne retraite. Nous montrons à l'aide de modèles de décision (probitsbivariés) que les détentions d'assurances vie et d'épargne retraite sont complémentaires et guidées par des facteurs communs. L'âge et la composition du ménage restent des déterminants primordiauxdes comportements de détention : les plus jeunes contractent moins fréquemment ce type de produits d'épargne, tandis que les couples semblent avoir un motif supplémentaire de constitution d'une épargne à long terme: la protection du conjoint survivant. Les travailleurs indépendants, qu'ils soient encore en activité ou non, détiennent également plus fréquemmentque les salariés du secteur privé des produits d'épargne pouvant être mobilisés pour le financement de la retraite. Par ailleurs, après contrôle du niveau de vie du ménage d'appartenance, il apparaît que ne pas être diplômé a un impact significatif et négatif relativement important sur la détention d'assurances vie et de contrats d'épargne retraite. Ainsi ne pas être diplômé accroît la

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Paper provided by HAL in its series Post-Print with number halshs-01155374.

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Date of creation: 2014
Publication status: Published in Economie et Statistique, INSEE, 2014, pp.153-167
Handle: RePEc:hal:journl:halshs-01155374
Note: View the original document on HAL open archive server: https://halshs.archives-ouvertes.fr/halshs-01155374
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