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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)

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The interplay of economic reasoning, voter preferences and party manifestos
Jochen Pimpertz / Ruth Maria Schüler IW-Analyse No. 156 10. June 2024

The Political Economy of Pension Reform

As the German population ages, the country’s statutory pension scheme, which is financed on a pay-as-you-go basis, requires higher and higher contributions while the level of pensions is falling.

IW

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Jochen Pimpertz IW-Trends No. 4 17. December 2023

Expenditures and Revenues in Germany’s Statutory Health Insurance

Almost annually recurring deficits in Germany’s statutory health insurance system have led to a steady rise in the contribution rate, a percentage of earned income.

IW

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