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Knabe, Andreas
Weimann, Joachim
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[Journal:] Wirtschaftsdienst [ISSN:] 1613-978X [Publisher:] Springer [Place:] Heidelberg [Volume:] 95 [Year:] 2015 [Issue:] 10 [Pages:] 701-709
Wenn die Babyboom-Generation in das Rentenalter eintritt, also in weniger als zehn Jahren, werden die Erwerbstätigen deutlich mehr Rentner versorgen müssen als derzeit. Um dies zu erleichtern und die Altersarmut zu mildern, wurde die Riesterrente eingeführt, die allerdings weniger nachgefragt wird, als bei ihrer Einführung angenommen wurde. Um die Nachfrage zu steigern, schlagen die Autoren eine sanfte Rentenreform vor, die 'Nudging'-Elemente nutzt.
Abstract (Translated): 
The ageing of the German population will necessarily reduce the pension levels provided by the German pay-as-you-go public pension insurance. The pension reforms of the last decade aimed at encouraging savings in private, fully-funded pension insurances (through tax advantages and subsidies). However, only a minority of Germans has decided to make use of these opportunities. We propose to strengthen this type of old-age provision by using insights from behavioural economics. The default should be changed so that everyone saves in a funded pension scheme unless actively deciding to opt out. The default investment should be a government pension fund that competes with private pension funds. We argue that this policy will boost retirement savings without interfering with individuals' freedom of choice.
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