IDEAS home Printed from https://ideas.repec.org/p/zbw/safepl/313012.html
   My bibliography  Save this paper

Finanzielle Bildung stärken - Altersvorsorge sichern: Handlungsfelder für die nächste Bundesregierung

Author

Listed:
  • Hackethal, Andreas
  • Lindner, Vincent
  • Maurer, Raimond

Abstract

In einer alternden Gesellschaft stehen Politik und Gesellschaft vor der Herausforderung, sowohl die gesetzliche Rentenversicherung nachhaltig zu sichern als auch private Vorsorge zu fördern. Die Einführung einer Kapitalmarktkomponente in der gesetzlichen Rentenversicherung sowie Reformen der privaten Altersvorsorge wurden von der Ampelregierung zwar vorangetrieben, jedoch nicht legislativ umgesetzt. Auch finanzielle Bildung spielt eine zentrale Rolle für die individuelle Altersvorsorge und wirtschaftliche Stabilität. Hierhaben die Regierungsinitiativen ebenfalls noch nicht zu einer umfassenden nationalen Strategie, wie sie von der OECD empfohlen wird, geführt. Politische Uneinigkeit und eine in Teilen fragmentierte Debatte lassen befürchten, dass die kommende Bundesregierung die Themen zu zögerlich angehen könnte. Der Beitrag analysiert die bisherigen politischen Maßnahmen, vergleicht Vorschläge und internationale Modelle und gibt Handlungsempfehlungen für die Umsetzung rentenpolitischer Reformen und einer Finanzbildungsstrategie. Entscheidend ist dabei, die Vorarbeit zu nutzen und schnell in die Gesetzgebung einzusteigen.

Suggested Citation

  • Hackethal, Andreas & Lindner, Vincent & Maurer, Raimond, 2025. "Finanzielle Bildung stärken - Altersvorsorge sichern: Handlungsfelder für die nächste Bundesregierung," SAFE Policy Letters 107, Leibniz Institute for Financial Research SAFE.
  • Handle: RePEc:zbw:safepl:313012
    as

    Download full text from publisher

    File URL: https://www.econstor.eu/bitstream/10419/313012/1/1919195068.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Raimond Maurer & Olivia S. Mitchell & Ralph Rogalla & Tatjana Schimetschek, 2021. "Optimal social security claiming behavior under lump sum incentives: Theory and evidence," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 88(1), pages 5-27, March.
    2. Duraj, Kamila & Laudenbach, Christine & Lindner, Vincent, 2025. "Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht," SAFE White Paper Series 110, Leibniz Institute for Financial Research SAFE.
    3. Maurer, Raimond & Schwintowski, Hans-Peter, 2022. "Die Generationenrente ab Geburt: Vorschlag für eine Altersarmut vermeidende ergänzende kapitalgedeckte Alterssicherung," SAFE White Paper Series 90, Leibniz Institute for Financial Research SAFE.
    4. Markus Roth, 2022. "Reformperspektiven für die deutsche Altersvorsorge Der Koalitionsvertrag aus rechtsvergleichender Sicht: Von Schweden lernen," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 75(02), pages 28-38, February.
    5. Maurer, Raimond & Mitchell, Olivia S., 2017. "Incentivizing older people to delay social security claiming," SAFE Policy Letters 57, Leibniz Institute for Financial Research SAFE.
    6. Matthias Schenk & Michael Schulze, 2019. "Die Deutschland-Rente – ein Projekt zur Stabilisierung der Privaten Altersrente," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 88(1), pages 101-112.
    7. Andreas Knabe & Joachim Weimann, 2018. "Die Deutschlandrente: Wirksamkeit und Legitimität eines Nudges," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 87(2), pages 33-46.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Franca Glenzer & Pierre-Carl Michaud & Stefan Staubli, 2023. "Frames, Incentives, and Education: Effectiveness of Interventions to Delay Public Pension Claiming," CIRANO Working Papers 2023s-05, CIRANO.
    2. Svetlana Pashchenko & Ponpoje Porapakkarm, 2024. "Accounting For Social Security Claiming Behavior," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 65(1), pages 505-545, February.
    3. Horneff, Vanya & Maurer, Raimond & Mitchell, Olivia S., 2023. "How would 401(k) ‘Rothification’ alter saving, retirement security, and inequality?," Journal of Pension Economics and Finance, Cambridge University Press, vol. 22(3), pages 265-283, July.
    4. Magnani, Marco, 2024. "An analysis of precautionary behavior in retirement decision making with an application to pension system reform," Insurance: Mathematics and Economics, Elsevier, vol. 117(C), pages 99-113.
    5. Vanya Horneff & Raimond Maurer & Olivia S. Mitchell, 2019. "How Would 401(k) ‘Rothification’ Alter Saving, Retirement Security, and Inequality?," Working Papers wp398, University of Michigan, Michigan Retirement Research Center.
    6. Maurer, Raimond & Mitchell, Olivia S., 2017. "Incentivizing older people to delay social security claiming," SAFE Policy Letters 57, Leibniz Institute for Financial Research SAFE.
    7. Mahmoudi, Samir Elsadek, 2023. "Late-career unemployment shocks, pension outcomes and unemployment insurance," Journal of Public Economics, Elsevier, vol. 218(C).

    More about this item

    Keywords

    Finanzbildung; Altervorsorge; Aktienrente; Rente;
    All these keywords.

    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:zbw:safepl:313012. See general information about how to correct material in RePEc.

    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.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with 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.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: ZBW - Leibniz Information Centre for Economics (email available below). General contact details of provider: https://edirc.repec.org/data/csafede.html .

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

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.