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Verbreitung der Riester-Rente - Hat die Finanz- und Wirtschaftskrise Spuren hinterlassen?

  • Gasche, Martin

    ()

  • Ziegelmeyer, Michael

    ()

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

Die Finanz- und Wirtschaftskrise hat auch bei der staatlich geförderten Altersvorsorge (Riester-Rente) Spuren hinterlassen: Die Analyse der SAVE-Befragung 2009 zeigt, dass der Verbreitungsgrad der Riester-Rente Ende des Jahres 2008 stagnierte. Diese Stagnation betraf allerdings nicht die Haushalte mit niedrigen Einkommen. Bei diesen schwächte sich der Zuwachs der Verbreitung lediglich ab. Die Stagnation des Verbreitungsgrades kann nicht als Indiz für einen generellen „Sättigungseffekt“, also für ein Ende der Dynamik bei der Verbreitung der Riester-Rente, verwendet werden. Vielmehr handelt es sich um einen Sondereffekt durch die Finanzkrise. Dass die Finanz- und Wirtschaftskrise nicht zu einer Krise der privaten Altersvorsorge geführt hat, beweist die Entwicklung des Sparvolumens je Vertrag. Dieses ist im Jahr 2008 sogar überproportional gestiegen. Der überproportionale Anstieg ist insbesondere für die oberen Einkommensquintile festzustellen, in welchen zumindest ein Großteil der Riestersparer „die Riestertreppe mitgeht“.

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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 10198.

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Date of creation: 02 Feb 2010
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Handle: RePEc:mea:meawpa:10198
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