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Altersvorsorge, Konsumwunsch und mangelnde Selbstdisziplin : zur Relevanz deskriptiver Theorien für die Gestaltung von Altersvorsorgeprodukten

Listed author(s):
  • Normann, Marcel
  • Langer, Thomas
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    Mit der abnehmenden Leistungsfähigkeit des gesetzlichen Rentenversicherungssystems gewinnen private und betriebliche Altersvorsorge zunehmend an Bedeutung. Dies erhöht die Eigenverantwortung der Vorsorgenden bei Entscheidungen über Ausmaß und Form der zusätzlichen Alterssicherung und erfordert erhebliche Selbstdisziplin beim Verzicht auf unmittelbaren Konsum. Selbstkontrollprobleme können daher zentrale Ursache für zu geringe Sparquoten und langfristig suboptimales Sparverhalten sein. Der neoklassische Theorierahmen bietet nur unzureichende Möglichkeiten, die Eignung steuerlicher Anreize und spezieller Altersvorsorgeprodukte zu diskutieren. Hierzu bedarf es deskriptiver verhaltenswissenschaftlicher Spartheorien, in denen statt der stabilen Präferenzen des homo oeconomicus der innere Konflikt zwischen kurzfristigen und langfristigen Interessen formal modelliert wird. In dieser Arbeit stellen wir derartige Theorien vor, leiten wünschenswerte Eigenschaften von Altersvorsorgeprodukten ab und diskutieren Produktmodifikationen und -innovationen.

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    File URL: https://ub-madoc.bib.uni-mannheim.de/2801/1/dp01_40.pdf
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    Paper provided by Sonderforschungsbreich 504 in its series Papers with number 01-40.

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    Date of creation: 2001
    Handle: RePEc:mnh:spaper:2801
    Contact details of provider: Postal:
    D-68131 Mannheim

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    Fax: (49) (0) 621-292-5594
    Web page: http://ub-madoc.bib.uni-mannheim.de/view/ubmaseries/90080.html
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