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Die 'Riester-Rente' und einige Folgen für Alterseinkünfte: Befunde einer Simulationsstudie auf der Grundlage typischer Erwerbs- und Familienbiographien

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  • Himmelreicher, Ralf K.
  • Viebrok, Holger

Abstract

Mit der vorliegenden Arbeit werden ausgewählte Befunde einer Analyse vorgestellt, deren Ziel es ist zu zeigen, wie sich die jüngste Rentenreform 2000/2001 (Riester-Rente) gegenüber der Ausgangssituation (vor der Reform) für bestimmte Personengruppen auf zukünftige Alterseinkünfte auswirkt. Die Resultate basieren auf Simulationsstudien, denen wiederum empirisch begründete Erwerbs- und Familienbiographien zugrunde liegen. Es wird von optimistischen Annahmen ausgegangen: unter anderem von einer positiven realen Verzinsung in der geförderten privaten Vorsorge und von der Voraussetzung, dass die Versicherten in der gesetzlichen Rentenversicherung die durch die Reform vorgesehenen Beiträge tatsächlich leisten. Unter diesen 'idealisierten' Bedingungen lassen sich folgende Effekte feststellen: - Die Förderquoten, d.h. die gesamte staatliche Förderung dividiert durch den Eigenbeitrag inklusive der Zulage hat wegen des Sonderausgabenabzuges einen mit steigendem Einkommen U-förmigen Verlauf. Somit erreichen Bezieher niedriger und höherer Einkommen höhere Förderquoten als solche mit mittlerem Einkommen. - Unter den Annahmen profitieren tendenziell Angehörige jüngere Geburtskohorten stärker als ältere von den neuen Regelungen. Im Intra-Kohorten-Vergleich ergeben sich aber z.T. erhebliche Unterschiede je nach Personengruppe. - Auf der Gewinnerseite dieser Reform - bezogen auf Brutto-Werte - scheinen insbesondere jene Personen zu stehen, die durch die umverteilenden Elemente in der gesetzlichen Rentenversicherung belastet werden. Die zunehmende Beitragsäquivalenz begünstigt Männer im Vergleich zu Frauen, kinderlose im Vergleich zu kinderreichen sowie solche Personen, die keine Hinterbliebenen zu versorgen haben. Einige der zu beobachtenden Effekte verweisen darauf, dass viele Verbesserungen, die im Laufe des vergangenen Jahrzehnts z.B. für Familien mit Kindern erreicht wurden, durch die partielle Privatisierung der Altersvorsorge zumindest teilweise wieder zurückgeführt werden.

Suggested Citation

  • Himmelreicher, Ralf K. & Viebrok, Holger, 2003. "Die 'Riester-Rente' und einige Folgen für Alterseinkünfte: Befunde einer Simulationsstudie auf der Grundlage typischer Erwerbs- und Familienbiographien," Working papers of the ZeS 04/2003, University of Bremen, Centre for Social Policy Research (ZeS).
  • Handle: RePEc:zbw:zeswps:042003
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    1. Viebrok, Holger & Himmelreicher, Ralf K., 2001. "Verteilungspolitische Aspekte vermehrter privater Altersvorsorge," Working papers of the ZeS 17/2001, University of Bremen, Centre for Social Policy Research (ZeS).
    2. Jacob Mincer, 1958. "Investment in Human Capital and Personal Income Distribution," Journal of Political Economy, University of Chicago Press, vol. 66(4), pages 281-281.
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