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Erhöht die Riester-Förderung die Sparneigung von Geringverdienern?

Author

Listed:
  • Schröder, Carsten
  • Keese, Matthias
  • Corneo, Giacomo

Abstract

Die Riester-Förderung soll dazu beitragen, dass häufiger und mehr für die Altersvorsorge gespart wird. Der Einfluss der Riester-Förderung auf die Sparneigung von Haushalten mit niedrigem Einkommen ist dabei ein zentrales Kriterium zur ökonomischen Evaluation dieser Politik. Unsere ökonometrische Untersuchung auf Basis des Soziooekonomischen Panels liefert einen in dieser Hinsicht negativen Befund : Höhere Riester-Förderquoten bei den Niedrigeinkommensbeziehern erhöhen weder den Anteil der sparenden Haushalte in dieser Gruppe noch ihre Sparquote. Somit scheint die Riester-Förderung für erhebliche Mitnahmeeffekte anfällig zu sein.

Suggested Citation

  • Schröder, Carsten & Keese, Matthias & Corneo, Giacomo, 2007. "Erhöht die Riester-Förderung die Sparneigung von Geringverdienern?," Economics Working Papers 2007-30, Christian-Albrechts-University of Kiel, Department of Economics.
    • Handle: RePEc:zbw:cauewp:6875
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    Cited by:

    1. Schulten, Thorsten, 2009. "Guter Lohn für gute Rente," WSI Working Papers 164, The Institute of Economic and Social Research (WSI), Hans Böckler Foundation.
    2. Hans Peter Grüner, 2009. "Kapitalbeteiligung von Mitarbeitern. Eine Bewertung der jüngsten Vorschläge," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 10(2), pages 175-188, May.
    3. Claudia Tuchscherer, 2014. "Das Vorsorgekonto: ein Ansatz gegen (Alters-)Armut und zur Flexibilisierung der Übergänge in die Rente," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 83(3), pages 57-75.
    4. Robert Fenge & Jochen Pimpertz & Tim Köhler-Rama & Reiner Holznagel & Felix Welti & Martin Werding & Uwe Fachinger & Karl-Heinz Paqué, 2019. "Grand Coalition Pension Package: Secure and Fair or Unsound and Unaffordable?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 72(02), pages 05-31, January.

    More about this item

    JEL classification:

    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • H24 - Public Economics - - Taxation, Subsidies, and Revenue - - - Personal Income and Other Nonbusiness Taxes and Subsidies

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