Pension anticipée et épargne financière des ménages (notice n° 841748)
[ vue normale ]
| 000 -LEADER | |
|---|---|
| fixed length control field | 03159cam a2200277 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250123142447.0 |
| 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 | Arrondel, Luc |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | Pension anticipée et épargne financière des ménages |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2021.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 13 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Depuis l’article pionnier de Feldstein (1974), l’impact d’un système de retraite sur le niveau d’épargne fait l’objet de nombreux travaux aux résultats parfois controversés. Selon l’hypothèse standard du cycle de vie, un individu qui anticipe une perte de niveau de vie à la retraite devrait, toutes choses égales par ailleurs, épargner davantage. C’est à cette question que nous nous intéressons ici. Pour cela, nous considérons que les individus anticipent de façon plus satisfaisante leur taux de remplacement (à partir de leur profil de salaires) qu’un montant de pension au moment du départ en retraite. Nous étudions alors les effets d’une variation anticipée de ce taux de remplacement sur l’épargne financière des ménages, en tenant compte à la fois des évolutions anticipées de carrière et des réformes des retraites. Nous mobilisons la vague 2012 de l’enquête PAT€R portant sur la population française qui dispose de riches informations au niveau individuel sur les anticipations de pension. Nos estimations économétriques montrent qu’un plus faible (resp. plus élevé) taux de remplacement anticipé est relié, de façon significative, à un taux d’épargne financière plus élevé (resp. plus faible). |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Since Feldstein’s pioneering article (1974), the impact of a pension system on the level of savings has been the subject of numerous studies, with sometimes controversial results. According to the standard life-cycle hypothesis, someone who anticipates a loss in living standards upon retirement should, all else being equal, save more. This is the issue examined here. To this end, we consider that individuals anticipate their replacement rate (based on their wage profile) more satisfactorily than the amount of their pension at the time of retirement. We then study the effects of an anticipated variation in this replacement rate on household financial savings, taking into account both expected career changes and pension reforms. We use the 2012 wave of the PAT€R survey of the French population, which provides a wealth of information at the individual level on pension expectations. Our econometric estimates show that a lower (respectively, higher) expected replacement rate is significantly related to a higher (respectively, lower) financial savings rate. |
| 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 | réforme |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | épargne |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | retraite |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | anticipations de pension |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Delbos, Jean-Brieux |
| Relator term | author |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Durant, Dominique |
| Relator term | author |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Pfister, Christian |
| Relator term | author |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Soulat, Laurent |
| Relator term | author |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Revue de l'OFCE | 170 | 6 | 2021-03-25 | p. 227-259 | 1265-9576 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/revue-de-l-ofce-2020-6-page-227?lang=fr&redirect-ssocas=7080">https://shs.cairn.info/revue-de-l-ofce-2020-6-page-227?lang=fr&redirect-ssocas=7080</a> |
Pas d'exemplaire disponible.
Réseaux sociaux