Andrea Seier

A Micro-Perspective on Funding in the German Pension Reform of 2001 (eBook, PDF)

• Format: PDF

Produktbeschreibung

Reforming the social security system is one of the most pressing issues in Germany. In the face of declining birth rates and an aging population, the financing of the pension system in the current Pay-as-you-go system is on the verge of collapsing. In order to alleviate the problem of sustaining the PAYG pension system, the government decided to reduce future benefits from the PAYG pension system and support the funded second and third pillar of the pension system. Occupational and private pension savings are tax preferred and subsidized in order to provide additional pension benefits to close the gap due to lower PAYG benefits. The funded system for old-age pension savings is a complex system of a wide variety of pension vehicles, tax incentives and subsidies. Participation and acceptance of the newly introduced "Riester-Pension" as well as the instruments of occupational pension does not fulfil expectations. This dissertation analyses the results of the pension reform from a theoretical, institutional and individual point of view. Focus of the analysis is the regulatory framework, the incentive system, as well as the structure of occupational and private pensions in Germany.

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Produktdetails

• Verlag: Josef Eul Verlag
• Seitenzahl: 191
• Erscheinungstermin: 1. Januar 2006
• Englisch
• ISBN-13: 9783899364194
• Artikelnr.: 37512266

Autorenporträt

Andrea Seier, born 1974, has studied Economics at the University of Duisburg-Essen. During her studies she spent two semesters at the University of Birmingham where she was a member of the Master Course ¿Money, Banking and Finance¿. She received a grant from the ¿Studienstiftung des Deutschen Volkes¿. On completing her studies she worked as a doctoral student at the chair of public economics of Prof. Dr. Reinhold Schnabel at the University of Duisburg-Essen in Essen. In January 2005 she started working for The Boston Consulting Group GmbH in D¿sseldorf where she is member of the insurance practice.