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Das Sparverhalten deutscher Haushalte: Erste Erfahrungen mit der Riester-Rente

Author

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  • Börsch-Supan, Axel
  • Reil-Held, Anette
  • Schunk, Daniel

    (Munich Center for the Economics of Aging (MEA))

Abstract

Bildungsparen ist eine freiwillige, aber staatlich geförderte Ersparnis, die zweckgebunden ist und nur für Bildungsausgaben verwendet werden darf. Bildungssparen gibt es derzeit noch nicht in Deutschland, steht aber in der politischen Diskussion, weil es durch den demographischen Wandle und die Globalisierung immer drängender wird, sowohl die jüngeren als auch die älteren Arbeitnhemer produktiver zu machen. Deutschlands Wettbewerbsfähigkeit hängt zentral von der Produktivität seiner Arbeitnehmer ab, und diese wiederum zentral vom Aus- und Weiterbildungsniveau. Vor der Einführung einer neuen Sparform, die poteniell sehr kostspielig staatlich gefördert wird, gilt es jedoch, die zentralen Fragen der Fördereffizienz zu klären: Würde eine solche Sparform von der Bevölkerung überhaupt angenommen und genutzt? Wie sollte die Förderung gestaltet werden? Diesen Fragen widmet sich das vorliegende Gutachten.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Börsch-Supan, Axel & Reil-Held, Anette & Schunk, Daniel, 2006. "Das Sparverhalten deutscher Haushalte: Erste Erfahrungen mit der Riester-Rente," MEA discussion paper series 06114, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    • Handle: RePEc:mea:meawpa:06114
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    1. Börsch-Supan, Axel, 2007. "Rational Pension Reform," Sonderforschungsbereich 504 Publications 07-25, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
    2. Börsch-Supan, Axel & Reil-Held, Anette & Wilke, Christina Benita, 2007. "How an unfunded pension system looks like defined benefits but works like defined contribtuions : the German pension reform," Papers 07-09, Sonderforschungsbreich 504.
    3. Pfarr, Christian & Schneider, Udo, 2009. "Angebotsinduzierung und Mitnahmeeffekt im Rahmen der Riester-Rente. Eine empirische Analyse [Demand inducement, crowding in and the German Riester pension scheme. (Angebotsinduzierung und Mitnahmee," MPRA Paper 17759, University Library of Munich, Germany.
    4. Börsch-Supan, Axel & Reil-Held, Anette & Schunk, Daniel, 2007. "The savings behaviour of German households: First Experiences with state promoted private pensions," MEA discussion paper series 07136, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    5. Börsch-Supan, Axel & Reil-Held, Anette & Wilke, Christina, 2007. "Zur Sozialversicherungsfreiheit der Entgeltumwandlung," Sonderforschungsbereich 504 Publications 07-12, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
    6. Corneo, Giacomo & Keese, Matthias & Schröder, Carsten, 2008. "Can governments boost voluntary retirement savings via tax incentives and subsidies? A German case study for low-income households," Economics Working Papers 2008-18, Christian-Albrechts-University of Kiel, Department of Economics.
    7. Börsch-Supan, Axel, 2007. "Rational pension reform," Papers 07-25, Sonderforschungsbreich 504.
    8. Richard Ochmann, 2014. "Differential income taxation and household asset allocation," Applied Economics, Taylor & Francis Journals, vol. 46(8), pages 880-894, March.
    9. Christian Pfarr & Udo Schneider, 2011. "Anreizeffekte und Angebotsinduzierung im Rahmen der Riester‐Rente: Eine empirische Analyse geschlechts‐ und sozialisationsbedingter Unterschiede," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 12(1), pages 27-46, February.
    10. Börsch-Supan, Axel, 2007. "Rational Pension Reform," MEA discussion paper series 07132, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    11. Maier, Andreas, 2010. "Immobilienverzehrprodukte: Potenzielle Profiteure und Nachfragehemmnisse," Thuenen-Series of Applied Economic Theory 115, University of Rostock, Institute of Economics.
    12. Hans Peter Grüner, 2009. "Kapitalbeteiligung von Mitarbeitern. Eine Bewertung der jüngsten Vorschläge," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 10(2), pages 175-188, May.
    13. Börsch-Supan, Axel & Reil-Held, Anette & Wilke, Christina, 2007. "How an Unfunded Pension System looks like Defined Benefits but works like Defined Contributions: The German Pension Reform," Sonderforschungsbereich 504 Publications 07-09, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
    14. Straubhaar, Thomas, 2007. "Erbschaftssteuer: Abschaffen ist besser als revidieren," HWWI Policy Papers 1-7, Hamburg Institute of International Economics (HWWI).
    15. Sommer, Mathias, 2008. "Understanding the trends in income, consumption and wealth inequality and how important are life-cycle effects?," Papers 08-12, Sonderforschungsbreich 504.
    16. Börsch-Supan, Axel & Reil-Held, Anette & Wilke, Christina Benita, 2007. "How an Unfunded Pension System looks like Defined Benefits but works like Defined Contributions: The German Pension Reform," MEA discussion paper series 07126, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    17. Traub, Stefan & Finkler, Sebastian, 2013. "Ein Grundsicherungsabstandsgebot für die Gesetzliche Rentenversicherung? Ergebnisse einer Mikrosimulation," Working papers of the ZeS 01/2013, University of Bremen, Centre for Social Policy Research (ZeS).
    18. Beatrice Scheubel & Joachim Winter, 2008. "Retirement at 67: How long Germans are allowed and want to work," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 61(01), pages 26-32, January.
    19. Dominik Rumpf & Wolfgang Wiegard, 2012. "Kapitalertragsbesteuerung und Kapitalkosten," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 13(1-2), pages 52-81, February.
    20. Mathias Sommer, 2008. "Understanding the trends in income, consumption and wealth inequality and how important are life-cycle effects?," MEA discussion paper series 08160, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    21. Börsch-Supan, Axel & Reil-Held, Anette & Wilke, Christina Benita, 2007. "Zur Sozialversicherungsfreiheit der Entgeltumwandlung," Papers 07-12, Sonderforschungsbreich 504.

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