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Martin Beznoska / Jochen Pimpertz IW-Trends No. 2 19. April 2016 New Empirical Data on Occupational Pensions

The distribution is better than the reputation

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New Empirical Data on Occupational Pensions
Martin Beznoska / Jochen Pimpertz IW-Trends No. 2 19. April 2016

New Empirical Data on Occupational Pensions

IW-Trends

German Economic Institute (IW) German Economic Institute (IW)

The distribution is better than the reputation

Occupational pension schemes are an important supplement to Germany’s statutory pension insurance. The prevalence of these schemes varies between 40 per cent in one-adult households and 66 per cent in those with couples. In the latter case, the proportion increases to around 86 per cent if non-subsidised forms of investment are taken into account. The savings rate for households with a breadwinner liable to social insurance contributions is about 10 per cent of disposable income. The main obstacle to providing for financial security in old age seems to be unemployment. In view of this, the proposals currently under discussion for promoting occupational pensions are unlikely to solve the problem.

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New Empirical Data on Occupational Pensions
Martin Beznoska / Jochen Pimpertz IW-Trends No. 2 19. April 2016

Martin Beznoska / Jochen Pimpertz: Neue Empirie zur betrieblichen Altersvorsorge

IW-Trends

German Economic Institute (IW) German Economic Institute (IW)

More on the topic

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An Empirical Study of Popular Aversion to Reforms
Matthias Diermeier / Ruth Maria Schüler IW-Trends No. 4 13. November 2023

Changing Germany's Statutory Pension Insurance: An Empirical Study of Popular Aversion to Reforms

The demographic transition is putting the German statutory pension insurance system under enormous pressure to reform. Despite widespread concern, no reform of the adjustment mechanisms incorporated into the pension system meets with the approval of a majority ...

IW

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Ruth Maria Schüler IW-Trends No. 2 30. June 2023

The Importance of Awareness of the Old-age Pension System for Retirement Planning in Germany

People in Germany have a relatively accurate knowledge of the main details of the German pension system.

IW

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