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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.

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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 09195.

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Date of creation: 21 Dec 2009
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Handle: RePEc:mea:meawpa:09195
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