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Individual pensions

In: EU Pension Law

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Abstract

Individual or personal pensions are not directly regulated at EU level. The reliance and availability on individual pensions differs extensively between Member States. However EU rules apply to most providers of these products, covering both prudential and conduct of business aspects. The fragmented national markets for individual or personal pensions is a direct effect of the exclusive competence for Member States to organize their pension systems. The PEPP or Pan-European Personal Pension product is the only exception. When it comes to individual pensions, there are three main interlinked policy themes .The first deals with the nature of individual pensions. Should these savings be called pensions or not? Secondly should Member States give fiscal relief to these kind of savings given the Matthew effects linked to individual pensions? Thirdly is there a solution possible for the inherent information asymmetry within individual pensions and the consecutive possible misselling?

Suggested Citation

  • ., 2022. "Individual pensions," Chapters, in: EU Pension Law, chapter 4, pages 249-282, Edward Elgar Publishing.
    • Handle: RePEc:elg:eechap:19504_4
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    File URL: https://www.elgaronline.com/view/9781839101809.00012.xml
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    Economics and Finance; Law - Academic;

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