Aktive og passive valg i pensionsopsparingen

Publikation: Bidrag til tidsskriftTidsskriftartikel

Standard

Aktive og passive valg i pensionsopsparingen. / Nielsen, Torben Heien.

I: Nationaløkonomisk tidsskrift, Bind 1, 2017, s. 1-16.

Publikation: Bidrag til tidsskriftTidsskriftartikel

Harvard

Nielsen, TH 2017, 'Aktive og passive valg i pensionsopsparingen', Nationaløkonomisk tidsskrift, bind 1, s. 1-16. <https://www.djoef-forlag.dk/sites/nt/files/2017/article/2017_1_2.pdf>

APA

Nielsen, T. H. (2017). Aktive og passive valg i pensionsopsparingen. Nationaløkonomisk tidsskrift, 1, 1-16. https://www.djoef-forlag.dk/sites/nt/files/2017/article/2017_1_2.pdf

Vancouver

Nielsen TH. Aktive og passive valg i pensionsopsparingen. Nationaløkonomisk tidsskrift. 2017;1:1-16.

Author

Nielsen, Torben Heien. / Aktive og passive valg i pensionsopsparingen. I: Nationaløkonomisk tidsskrift. 2017 ; Bind 1. s. 1-16.

Bibtex

@article{f247165df53f4d4c9b66a8595e6b4152,
title = "Aktive og passive valg i pensionsopsparingen",
abstract = "This paper reviews two papers from my own research. I show that the effect of pension policies are highly dependent on which type of decision maker the policy targets. Specifically, the effectiveness of the policy is stronger if it affects passive choice. Such policies, e.g., employer pensions, are extremely effective in increasing total individual savings. Tax deductions on the other hand are ineffective. The reason is that an estimated 85 % of the population are passive savers, who do not respond to changes in policies. Consequently, an increased labor market pension rate will also make their total savings increase. The remaining 15 % are active savers, who respond to policy changes by reshuffling their savings portfolios, which effectively leaves their total savings unchanged. Finally, I show that tax incentives affect the individuals{\textquoteright} savings through their employers, because they tend to incorporate the employees{\textquoteright} preferences.",
keywords = "Det Samfundsvidenskabelige Fakultet, Pensionsopsparing, aktive og passive valg, obligatoriske ordninger, skattesubsidier, H2, H3, D14, J32",
author = "Nielsen, {Torben Heien}",
year = "2017",
language = "Dansk",
volume = "1",
pages = "1--16",
journal = "Nationaloekonomisk Tidsskrift",
issn = "0028-0453",
publisher = "Nationaloekonomisk Forening",

}

RIS

TY - JOUR

T1 - Aktive og passive valg i pensionsopsparingen

AU - Nielsen, Torben Heien

PY - 2017

Y1 - 2017

N2 - This paper reviews two papers from my own research. I show that the effect of pension policies are highly dependent on which type of decision maker the policy targets. Specifically, the effectiveness of the policy is stronger if it affects passive choice. Such policies, e.g., employer pensions, are extremely effective in increasing total individual savings. Tax deductions on the other hand are ineffective. The reason is that an estimated 85 % of the population are passive savers, who do not respond to changes in policies. Consequently, an increased labor market pension rate will also make their total savings increase. The remaining 15 % are active savers, who respond to policy changes by reshuffling their savings portfolios, which effectively leaves their total savings unchanged. Finally, I show that tax incentives affect the individuals’ savings through their employers, because they tend to incorporate the employees’ preferences.

AB - This paper reviews two papers from my own research. I show that the effect of pension policies are highly dependent on which type of decision maker the policy targets. Specifically, the effectiveness of the policy is stronger if it affects passive choice. Such policies, e.g., employer pensions, are extremely effective in increasing total individual savings. Tax deductions on the other hand are ineffective. The reason is that an estimated 85 % of the population are passive savers, who do not respond to changes in policies. Consequently, an increased labor market pension rate will also make their total savings increase. The remaining 15 % are active savers, who respond to policy changes by reshuffling their savings portfolios, which effectively leaves their total savings unchanged. Finally, I show that tax incentives affect the individuals’ savings through their employers, because they tend to incorporate the employees’ preferences.

KW - Det Samfundsvidenskabelige Fakultet

KW - Pensionsopsparing

KW - aktive og passive valg

KW - obligatoriske ordninger

KW - skattesubsidier

KW - H2

KW - H3

KW - D14

KW - J32

M3 - Tidsskriftartikel

VL - 1

SP - 1

EP - 16

JO - Nationaloekonomisk Tidsskrift

JF - Nationaloekonomisk Tidsskrift

SN - 0028-0453

ER -

ID: 179884443