Aktive og passive valg i pensionsopsparingen

Torben Heien Nielsen (thn@econ.ku.dk)
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Torben Heien Nielsen: Københavns Universitet, Økonomisk Institut, Postal: Øster Farimagsgade 5, 1353 København

Nationaløkonomisk tidsskrift, 2017, vol. 2017, issue 1, 16

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’ savings through their employers, because they tend to incorporate the employees’ preferences.

Keywords: Pensionsopsparing; aktive og passive valg; obligatoriske ordninger; skattesubsidier (search for similar items in EconPapers)
JEL-codes: D14 J32 (search for similar items in EconPapers)
Date: 2017
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