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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

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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

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

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More on the topic

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A Systematic Study of Neutrality in Pension Financing and in the Burdens and Incentives for Members of the Statutory Pension Scheme
Jochen Pimpertz IW-Trends No. 4 2. January 2023

„Actuarially Fair” Reductions in Early Retirees’ Pension Benefits

Calls for the reduction in state pension benefits for early retirees to reflect real insurance risks imply that early retirement need not involve any additional costs.

IW

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Michael Hüther / Jochen Pimpertz IW-Policy Paper No. 6 6. October 2022

Asset accumulation for retirement provision

The pay-as-you-go statutory pension insurance is intended to protect workers in Germany from having to rely on tax-financed assistance in old age. However, due to the ageing of society the security level of the statutory pension insurance must decrease.

IW

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