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Dynamik der Riester-Rente: Ergebnisse aus SAVE 2003 bis 2008


  • Coppola, Michela
  • Reil-Held, Anette

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


Die Rentenreform 2001 hat mit der Riester-Rente ein staatlich gefördertes, reguliertes Altersvorsorgeprodukt eingeführt. Über diese zusätzliche Altersvorsorge sollen die künftigen Rentnergenerationen das langfristige Absinken des gesetzlichen Rentenniveaus kompensieren. Dieser Beitrag geht anhand der SAVE-Daten der Frage nach, welche Bevölkerungskreise die Riester-Renten in welchem Umfang annehmen. Es zeigt sich, dass dies besonders auf kinderreiche Haushalte zutrifft, wobei sich bei dieser Gruppe angesichts eines Verbreitungsgrads von zwei Dritteln im Befragungsjahr 2008 erste Sättigungstendenzen zeigen. Dies trifft nicht auf die unteren Einkommensgruppen zu. Haushalte mit niedrigen Einkommen schließen zwar in geringerem Umfang Riester-Renten ab als Haushalte im oberen und mittleren Einkommensbereich. Die Dynamik der Zuwächse ist im unteren Bereich der Einkommensverteilung aber noch ungebrochen.

Suggested Citation

  • Coppola, Michela & Reil-Held, Anette, 2009. "Dynamik der Riester-Rente: Ergebnisse aus SAVE 2003 bis 2008," MEA discussion paper series 09195, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
  • Handle: RePEc:mea:meawpa:09195

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    Cited by:

    1. Ihle, Dorothee, 2017. "Quantile treatment effects of Riester participation on wealth," CAWM Discussion Papers 96, University of Münster, Center of Applied Economic Research Münster (CAWM).
    2. repec:mea:meawpa:12264 is not listed on IDEAS
    3. Heike Joebges & Volker Meinhard & Katja Rietzler & Rudolf Zwiener, 2012. "On the Path to Old-Age Poverty - Assessing the Impact of the Funded Riester Pension," IMK Report 73e-2012, IMK at the Hans Boeckler Foundation, Macroeconomic Policy Institute.
    4. 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.
    5. Bucher-Koenen, Tabea & Kluth, Sebastian, 2013. "Subjective Life Expectancy and Private Pensions," Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order 79806, Verein für Socialpolitik / German Economic Association.
    6. Kumpmann Ingmar & Gühne Michael & Buscher Herbert S., 2012. "Armut im Alter – Ursachenanalyse und eine Projektion für das Jahr 2023: Old Age Poverty – Causes and a Projection for 2023," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 232(1), pages 61-83, February.
    7. Bettina Lamla, 2012. "Family Background, Informal Networks and the Decision to Provide for Old Age: A Siblings Approach," SOEPpapers on Multidisciplinary Panel Data Research 466, DIW Berlin, The German Socio-Economic Panel (SOEP).
    8. 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.
    9. repec:mea:meawpa:12261 is not listed on IDEAS
    10. Axel Börsch-Supan & Christopher Quinn, 2015. "Taxing Pensions and Retirement Benefits in Germany," CESifo Working Paper Series 5636, CESifo Group Munich.
    11. Bettina Lamla, 2013. "Family background and the decision to provide for old age: a siblings approach," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 40(3), pages 483-504, August.
    12. Corneo, Giacomo & Schröder, Carsten & König, Johannes, 2015. "Distributional effects of subsidizing retirement savings accounts: Evidence from Germany," Discussion Papers 2015/18, Free University Berlin, School of Business & Economics.
    13. Pfarr, Christian & Schneider, Udo, 2011. "Choosing between subsidized or unsubsidized private pension schemes: a random parameters bivariate probit analysis," MPRA Paper 29400, University Library of Munich, Germany.
    14. repec:mea:meawpa:12265 is not listed on IDEAS
    15. 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.
    16. Dorothee Ihle, 2017. "Quantile Treatment Effects of Riester Participation on Wealth," SOEPpapers on Multidisciplinary Panel Data Research 954, DIW Berlin, The German Socio-Economic Panel (SOEP).
    17. Börsch-Supan, Axel & Quinn, Christopher, 2015. "Taxing pensions and retirement benefits in Germany," MEA discussion paper series 201510, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    18. Coppola, Michela & Gasche, Martin, 2011. "Die Riester-Förderung – das unbekannte Wesen," MEA discussion paper series 11244, 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:

    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • J32 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Nonwage Labor Costs and Benefits; Retirement Plans; Private Pensions
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making

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