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

  • Axel Börsch-Supan

    ()

  • Anette Reil-Held

    ()

  • Daniel Schunk

    ()

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

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.

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Paper provided by Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy in its series MEA discussion paper series with number 06114.

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Date of creation: 31 Dec 2006
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Handle: RePEc:mea:meawpa:06114
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