El ahorro para la jubilación en la UEUn analisis de sus determinantes
ISSN: 1576-0162
Year of publication: 2012
Issue: 31
Pages: 111-135
Type: Article
More publications in: Revista de economía mundial
Abstract
El propósito de este trabajo es analizar los factores que determinan el ahorro para la jubilación para una muestra de 4.526 individuos de 8 países europeos. Los resultados muestran que, aunque el porcentaje de ahorradores para la jubilación varía ampliamente entre países, los determinantes de esta decisión son bastante similares. De hecho, ahorrar para la jubilación está positivamente relacionado con la edad, los conocimientos financieros, el nivel de ingresos, la categoría laboral y la tradición ahorradora del individuo.
Bibliographic References
- ANZ Banking Group (2005): ANZ Survey of Adult Financial Literacy in Australia.
- Bajtelsmit, V. (1999): Evidence of Risk Aversion in the Health and Retirement Study, Department of Finance and Real Estate, Colorado State University.
- Bajtelsmit, V., Jianakoplos, N. (2000): Women and Pensions: A Decade of Progress?, Employee Benefit Research Institute, Washington.
- Browning, M., Lusardi, A. (1996): "Household Saving: Micro Theories and Mi-cro Facts", Journal of Economic Literatures, 34, 1797-1855.
- Cabrer-Borrás, B., Sancho, A., Serrano, G. (2001): Microeconometría y decisión, Pirámide Ediciones.
- DeVaney, S., Chiremba, S. (2005): "Comparing the Retirement Savings of the Baby Boomers and Other Cohorts", US Department of Labor, Bureau of Labor Statistics.
- Diaz-Serrano, L., O'Neill, D. (2004): "The Relationship Between Unemploy-ment and Risk-Aversion", IZA Discussion Paper, 1214.
- Gerrans, P., Clark-Murphy, M. (2004): "Gender Differences in Retirement Savings Decisions", Journal of Pension Economics and Finance, 3(2), 145-164.
- Hair, J., Anderson, R., Tatham, R., Black, W. (1998): Multivariate Analysis, Prentice Hall International, Englewood.
- Hayes, C., Parker, M. (1993): "Overview of the Literature on Pre-retirement Planning for Women", Journal of Women and Aging, 4(4):1-18.
- Huberman, G., Iyengar, S., Jiang, W. (2007): "Defined Contribution Pension Plans: Determinants of Participation and Contributions Rates", Journal of Financial Services Research, 31(1):1-32.
- Johannisson, I. (2008): Private Pension Savings: Gender, Marital Status and Wealth-Evidence from Sweden in (2002) Licentiate thesis, University of Gothenburg, School of Business, Economics and Law.
- Lusardi, A. (2001): "Explaining Why So Many Households Do Not Save", Center for Retirement Research Working Paper (2001)-05, Septiembre.
- Lusardi, A., Mitchell, O. (2007): "Baby Boomer Retirement Security: The Roles of Planning, Financial Literacy, and Housing Wealth", Journal of Monetary Economics, 54(1), 205-224.
- Malroutu, Y., Xiao, J. (1995): "Perceived Adequacy of Retirement Income", Financial Counseling and Planning, 6, 7-23.
- Moreno-Badia, M. (2006): "Who Saves in Ireland?: The Micro Evidence", IMF Working Paper, 06/131, Mayo (2006).
- OCDE (1998): Maintaining Prosperity in an Ageing Society, OCDE, París.
- OCDE (2008): OECD Employment Outlook (2008), OCDE, París.
- OCDE (2009): Pensions at a Glance 2009: Retirement-Income Systems in OECD Countries, OCDE, París.
- Papke, L. (2003): "Individual Financial Decisions in Retirement Saving Plans: The Role of Participant-direction", Journal of Public Economics, 88(1-2), 39-61.
- Richardson, V., Kilty, K. (1989): "Retirement Financial Planning Among Black Professionals", The Gerontologist, 29(1), 32-37.
- Seong-Lim, L., Myung-Hee, P., Montalto, P. (2000): "The Effect of Family Life Cycle and Financial Management Practices on Household Saving Patterns", International Journal of Human Ecology, 1(1), 79-93.
- Shaw, L., Hill, C. (2002): "The Gender Gap in Pension Coverage: What Does the Future Hold", Washington, DC: Institute for Women's Policy Research. Retrieved, abril, 24.
- Sundén, A., Surette, B. (1998): "Gender Differences in the Allocation of Assets in Retirement Savings Plans", American Economic Review, 88(2), 207-211.