L’accumulation du patrimoine au cours du cycle de vie : une approche par microsimulation (notice n° 1022923)
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| fixed length control field | 04329cam a2200289 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250125165927.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Galiana, Lino |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | L’accumulation du patrimoine au cours du cycle de vie : une approche par microsimulation |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2023.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 46 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | L'objectif de ce travail est de projeter des patrimoines individuels par microsimulation afin de pouvoir intégrer les produits de l'épargne dans le revenu disponible et calculer des niveaux de vie ajustés qui tiennent compte de ces revenus du patrimoine. Actifs et retraités diffèrent à cet égard en raison de leur position dans le cycle de vie. De plus, les premiers sont susceptibles d'hériter du patrimoine des seconds. Cette étude propose une méthodologie originale qui imbrique un modèle structurel stylisé de consommation et d'épargne au cours du cycle de vie dans le modèle de microsimulation Destinie, projetant les pensions d'individus reliés entre eux sur les plans conjugaux et familiaux. Ce modèle, incluant l'héritage, intègre de ce fait une dimension intergénérationnelle. Cette approche mobilise les données de plusieurs enquêtes Patrimoine : d'une part, la vague 2010 sur laquelle Destinie s'appuie, et, d'autre part, les vagues 2015 et 2018, partiellement panélisées, qui constituent la première objectivation empirique de l'accumulation du patrimoine sur données françaises. La méthode retenue consiste à calibrer les paramètres du modèle de consommation et d'épargne au long du cycle de vie, et à estimer, puis à simuler, un modèle d'héritage. Finalement, cette approche permet de simuler des profils individuels d'épargne cohérents avec les profils agrégés observés et de calculer des indices de concentration, tenant compte des revenus du patrimoine. Ces derniers étant plus concentrés que les revenus du travail, la modélisation permet de quantifier l’importance de cet ajustement et d’améliorer la qualité des projections liées aux niveaux de vie des retraités. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | This paper aims at simulating individual wealth in a microsimulation framework, in order to be able to take capital returns into account when computing and simulating standards of living at the household level. People belonging to the labor force and retired individuals look quite different in this respect due to their location along the life cycle. Moreover, the former are likely to inherit the wealth of the latter. This article proposes an approach that embeds a structural and stylized model of consumption and savings along the life cycle within the microsimulation model Destinie 2, projecting pensions of individuals with family ties. This model includes inheritance and has therefore a dynastic dimension. Our approach resorts to several Patrimoine surveys: on the one hand, the 2010 wave on which the Destinie 2 model is based; on the other hand, the 2015 and 2018 waves which are partly panelized, and which constitute the first empirical quantification of wealth accumulation on French data. Our method consists (i) in calibrating the parameters of the consumption and savings model in order to replicate some aggregate features of the observed wealth distribution, and (ii) in estimating and simulating inheritance. This approach enables us to simulate individual patterns of wealth accumulation which are consistent with observed, aggregate patterns, and to compute global inequality indices as regards standards of living, the previous ones obtained from the microsimulation relying on labor earnings only. Since wealth is much more concentrated than labor earnings, this model allows us to quantify this effect and to provide more accurate projections especially as regards retirees’ standard of living. |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | patrimoine |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | inégalité |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | microsimulation |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | cycle de vie |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | wealth |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | microsimulation |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | life cycle |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | inequality |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Guichaoua, Théo |
| Relator term | author |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Wilner, Lionel |
| Relator term | author |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Retraite et société | 89 | 2 | 2023-03-30 | p. 17-38 | 1167-4687 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/revue-retraite-et-societe-2022-2-page-17?lang=fr&redirect-ssocas=7080">https://shs.cairn.info/revue-retraite-et-societe-2022-2-page-17?lang=fr&redirect-ssocas=7080</a> |
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