Coverage of Private Pension Systems: Evidence and Policy Options
To adapt pension systems to demographic trends, many countries are reducing pay-as-you-go public pension levels and lifting retirement ages. In this context, funded pensions could play a major role to avoid adequacy gaps. Yet, as this paper shows, the coverage of funded private pensions, as measured...
Gespeichert in:
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| Weitere Verfasser: | , |
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Paris
OECD Publishing
2012
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| Schriftenreihe: | OECD Working Papers on Finance, Insurance and Private Pensions
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| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | To adapt pension systems to demographic trends, many countries are reducing pay-as-you-go public pension levels and lifting retirement ages. In this context, funded pensions could play a major role to avoid adequacy gaps. Yet, as this paper shows, the coverage of funded private pensions, as measured by enrolment rates, is highly uneven across countries and between individuals, especially in voluntary systems. Some countries have made funded pensions compulsory (e.g. Australia, Chile) or quasimandatory (e.g. Denmark, the Netherlands) to ensure that most workers are covered and therefore have access to a sufficiently high complementary pension. However, in other countries with relatively low pay-as-you-go public pension benefits, funded private provision remains voluntary. The low level of funded pensions' coverage in such countries should be a major policy concern. Recent policy initiatives in Germany and New Zealand, involving the introduction of financial incentives (and auto enrolment in New Zealand) have been effective in raising coverage to the highest levels among voluntary pension arrangements, but coverage gaps remain that need to be addressed |
| Beschreibung: | 1 Online-Ressource (36 Seiten) 21 x 29.7cm |
| DOI: | 10.1787/5k94d6gh2w6c-en |
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| spelling | Antolin, Pablo Verfasser aut Coverage of Private Pension Systems Evidence and Policy Options Pablo Antolin, Stéphanie Payet and Juan Yermo = Couverture des systèmes de pensions privées : preuve et options politiques / Pablo Antolin, Stéphanie Payet et Juan Yermo Couverture des systèmes de pensions privées Paris OECD Publishing 2012 1 Online-Ressource (36 Seiten) 21 x 29.7cm txt rdacontent c rdamedia cr rdacarrier OECD Working Papers on Finance, Insurance and Private Pensions To adapt pension systems to demographic trends, many countries are reducing pay-as-you-go public pension levels and lifting retirement ages. In this context, funded pensions could play a major role to avoid adequacy gaps. Yet, as this paper shows, the coverage of funded private pensions, as measured by enrolment rates, is highly uneven across countries and between individuals, especially in voluntary systems. Some countries have made funded pensions compulsory (e.g. Australia, Chile) or quasimandatory (e.g. Denmark, the Netherlands) to ensure that most workers are covered and therefore have access to a sufficiently high complementary pension. However, in other countries with relatively low pay-as-you-go public pension benefits, funded private provision remains voluntary. The low level of funded pensions' coverage in such countries should be a major policy concern. Recent policy initiatives in Germany and New Zealand, involving the introduction of financial incentives (and auto enrolment in New Zealand) have been effective in raising coverage to the highest levels among voluntary pension arrangements, but coverage gaps remain that need to be addressed Finance and Investment Payet, Stéphanie ctb Yermo, Juan ctb https://doi.org/10.1787/5k94d6gh2w6c-en Verlag kostenfrei Volltext |
| spellingShingle | Antolin, Pablo Coverage of Private Pension Systems Evidence and Policy Options Finance and Investment |
| title | Coverage of Private Pension Systems Evidence and Policy Options |
| title_alt | Couverture des systèmes de pensions privées |
| title_auth | Coverage of Private Pension Systems Evidence and Policy Options |
| title_exact_search | Coverage of Private Pension Systems Evidence and Policy Options |
| title_exact_search_txtP | Coverage of Private Pension Systems Evidence and Policy Options |
| title_full | Coverage of Private Pension Systems Evidence and Policy Options Pablo Antolin, Stéphanie Payet and Juan Yermo = Couverture des systèmes de pensions privées : preuve et options politiques / Pablo Antolin, Stéphanie Payet et Juan Yermo |
| title_fullStr | Coverage of Private Pension Systems Evidence and Policy Options Pablo Antolin, Stéphanie Payet and Juan Yermo = Couverture des systèmes de pensions privées : preuve et options politiques / Pablo Antolin, Stéphanie Payet et Juan Yermo |
| title_full_unstemmed | Coverage of Private Pension Systems Evidence and Policy Options Pablo Antolin, Stéphanie Payet and Juan Yermo = Couverture des systèmes de pensions privées : preuve et options politiques / Pablo Antolin, Stéphanie Payet et Juan Yermo |
| title_short | Coverage of Private Pension Systems |
| title_sort | coverage of private pension systems evidence and policy options |
| title_sub | Evidence and Policy Options |
| topic | Finance and Investment |
| topic_facet | Finance and Investment |
| url | https://doi.org/10.1787/5k94d6gh2w6c-en |
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