Download e-book for kindle: 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
Supplying an overview of the longer term study demanding situations for economists and social scientists referring to inhabitants growing older, pensions, health and wellbeing and social care in Europe, this booklet examines how medical study supplies state-of-the-art proof on source of revenue security and health and wellbeing of the aged, and labour markets and older employees.
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Additional resources for Ageing, Health and Pensions in Europe: An Economic and Social Policy Perspective
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).
And J. Dickemper (1997) ‘Increased Saving but Little Planning: Results of the 1997 Retirement Confidence Survey’, EBRI, Issue Brief 191, November. 38 Arie Kapteyn / Maarten van Rooij Adequacy of Saving for Old Age Comments by Arie Kapteyn / Maarten van Rooij Are savings for old age adequate? Elsa Fornero, Annamaria Lusardi and Chiara Monticone provide an excellent overview and demonstrate unequivocally that what might look like an easy question is, in fact, a topic with many different facets. For one thing, there is the micro-macro dimension: thus, regardless of the question whether macro-savings are adequate or inadequate, individual households could either save too little or too much, which is very difficult to gauge given the vast – mostly unobserved – heterogeneity in individual expectations, preferences and intentions.
Instruments to make housing equity more liquid should become more appealing, also through cost reduction. This is a matter for policy-making (particularly at a local level), as well as for markets. In conclusion, more than turning down the life-cycle theory, the growing empirical documentation that people do not conform to the model could help transform it into a normative benchmark (Deaton, 2005): a theory providing not a description of how people behave, but of outcomes to which they aspire. The main role of policy would then be to help people, through education and incentives, to realise their ambitions – and not to substitute for them by means of more paternalistic programmes.
Ageing, Health and Pensions in Europe: An Economic and Social Policy Perspective by Lans Bovenberg, Asghar Zaidi, A. Van Soest, Arthur H O Van Soest