Mechanisms of Male‑Female Redistribution in the Pensions System: A Life Cycle Approach

Quels mécanismes de redistribution du système de retraite entre femmes et hommes ? Une approche sur cycle de vie

Frédérique Nortier-Ribordy ()
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Frédérique Nortier-Ribordy: SG-COR - Secrétariat général du Conseil d'orientation des retraites

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Abstract: In this article I propose to illustrate the gender redistribution achieved by the pensions system, primarily by using the return rate on contributions and studying representative cases of executive and non-executive employees born in the year 2000 and working in the private sector. The results indicate that the system broadly tends to redistribute wealth from men to women. In addition to direct solidarity measures, partial relief on pension contributions, the pooling of mortality risk and the architecture of the system itself all appear to have the effect of redistributing money from men to women, while the "25 best years" rule and the index- linking of wages to prices appear to have more ambiguous consequences. Solidarity measures appear to enhance the redistributive nature of the pension system (away from men and towards women), with the exception of the pension bonus for having three children, on account of their proportional nature. Finally, the 2023 reform appears to reinforce distribution towards the lowest-paid women.

Keywords: pensions; redistribution; men-women; retraite; hommes-femmes (search for similar items in EconPapers)
Date: 2025-09-30
New Economics Papers: this item is included in nep-age
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Published in Economie et Statistique / Economics and Statistics, 2025, 546, pp.59-80. ⟨10.24187/ecostat.2025.546.2133⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05302247

DOI: 10.24187/ecostat.2025.546.2133

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