IDEAS home Printed from https://ideas.repec.org/p/mea/meawpa/10201.html
   My bibliography  Save this paper

Kann die Riester-Rente die Rentenlücke in der gesetzlichen Rente schließen?

Author

Listed:
  • Gasche, Martin

    ()

  • Börsch-Supan, Axel

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

Abstract

Mit der Rentenreform 2001 wurde die so genannte Riester-Rente geschaffen. Sie soll die Rentenlücke schließen, die durch die Anpassung der umlagefinanzierten gesetzlichen Rente an die demographische Entwicklung entstehen wird. In dieser Studie wird untersucht, ob dies gelingt und von welchen Faktoren dieses Gelingen abhängt. Es zeigt sich, dass unter den gängigen Annahmen die Riester-Rente beim Rentenzugang die Rentenlücke schließen kann, wenn 4% des Bruttoeinkommens in einen Riester-Vertrag gespart werden. Entscheidend sind vor allem die Verzinsung des Riester-Kapitals und die Höhe der Dynamisierung der Riester-Rentenzahlung sowie die Ansparzeit. Weniger variabel reagiert das Riester-Rentenniveau auf eine Variation der Lebenserwartung, also auf die Rentenlaufzeit sowie auf die zeitliche Verteilung des individuellen Erwerbseinkommens über die gesamte Erwerbsphase. Soll die Rentenlücke nicht nur im Rentenzugangsjahr, sondern über die gesamte Rentenzeit eines Rentners geschlossen werden, reicht bei realistischen Lohnzuwachsraten ein Riester-Beitragssatz von 4% erst für diejenigen Jahrgänge aus, die nach 2030 in Rente gehen.

Suggested Citation

  • Gasche, Martin & Börsch-Supan, Axel, 2010. "Kann die Riester-Rente die Rentenlücke in der gesetzlichen Rente schließen?," MEA discussion paper series 10201, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
  • Handle: RePEc:mea:meawpa:10201
    as

    Download full text from publisher

    File URL: http://mea.mpisoc.mpg.de/uploads/user_mea_discussionpapers/1098_201-10.pdf
    Download Restriction: no

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Michael Ziegelmeyer & Julius Nick, 2013. "Backing out of private pension provision: lessons from Germany," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 40(3), pages 505-539, August.
    2. 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).
    3. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Goll, Nicolas & Maier, Christina, 2016. "15 Jahre Riester - eine Bilanz," Working Papers 12/2016, German Council of Economic Experts / Sachverständigenrat zur Begutachtung der gesamtwirtschaftlichen Entwicklung.
    4. 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.
    5. Gasche, Martin & Bucher-Koenen, Tabea & Haupt, Marlene & Angstmann, Simon, 2013. "Die Kosten der Riester-Rente im Vergleich," MEA discussion paper series 201304, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    6. Heike Joebges & Volker Meinhard & Katja Rietzler & Rudolf Zwiener, 2012. "Auf dem Weg in die Altersarmut - Bilanz der Einführung der kapitalgedeckten Riester-Rente," IMK Report 73-2012, IMK at the Hans Boeckler Foundation, Macroeconomic Policy Institute.
    7. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Ferrari, Irene & Kutlu Koc, Vesile & Rausch, Johannes, 1970. "The Development of the Pension Gap and German Households’ Saving Behavior," MEA discussion paper series 201602, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    8. repec:mea:meawpa:13269 is not listed on IDEAS

    More about this item

    JEL classification:

    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • J18 - Labor and Demographic Economics - - Demographic Economics - - - Public Policy

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:mea:meawpa:10201. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Henning Frankenberger). General contact details of provider: http://www.mea.mpisoc.mpg.de/ .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.