Ageing, Health and Pensions in Europe: An Economic and by Lans Bovenberg, Asghar Zaidi, A. Van Soest, Arthur H O Van

By Lans Bovenberg, Asghar Zaidi, A. Van Soest, Arthur H O Van Soest

Delivering an overview of the long run learn demanding situations for economists and social scientists bearing on inhabitants growing old, pensions, overall healthiness and social care in Europe, this e-book examines how clinical study gives you state-of-the-art proof on source of revenue security and future health of the aged, and labour markets and older staff.

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22 Elsa Fornero / Annamaria Lusardi / Chiara Monticone working-life spending ratios exceed 80% for a majority of respondents in the two countries involved in the survey (the US and the Netherlands). Other studies concentrated on specific topics, again relevant to the issue of retirement savings adequacy. Family formation and, more specifically, household composition, have always been recognised as important ingredients of savings adequacy – not only because of the time-varying number of household members and of economies of scale in consumption, but also because differently structured households have a different risk tolerance, and thus a different propensity to save (Skinner, 2007; Hurd and Rohwedder, 2008; Scholz and Seshadri, 2007).

These are potentially vulnerable groups, who are less likely to save for retirement. , 2007; Hedges, 1998). Another way to examine whether and to what extent individuals prepare for retirement and plan for the future is to look at how much they know about crucial components of a saving plan, such as pension and Social Security wealth. , 1995), pension and Social Security savings account for about half of total wealth accumulation. Earlier studies indicated that workers were woefully uninformed about their pensions and the characteristics of their pension plans (Mitchell, 1988; Gustman and Steinmeier, 1989).

Should these policies be general, or should they mainly be targeted to specific groups at risk? While the former suggestion seems supported by evidence of widespread financial illiteracy and inability to plan, the LCM would suggest more selective policies. Financial education programmes should be adopted, and carefully designed default options should always be present in complex choice situations, along with safety nets for the less fortunate. Further, policy measures should vary according to age, given the different phases of the life cycle faced by the young and the old.

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