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Erhöht die Riester-Förderung die Sparneigung von Geringverdienern?

Listed author(s):
  • Schröder, Carsten
  • Keese, Matthias
  • Corneo, Giacomo

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.

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Paper provided by Christian-Albrechts-University of Kiel, Department of Economics in its series Economics Working Papers with number 2007-30.

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Date of creation: 2007
Handle: RePEc:zbw:cauewp:6875
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