By Lans Bovenberg, Asghar Zaidi, A. Van Soest, Arthur H O Van Soest
Supplying an overview of the longer term examine demanding situations for economists and social scientists referring to inhabitants getting older, pensions, healthiness and social care in Europe, this publication examines how medical learn supplies state of the art facts on source of revenue security and health and wellbeing of the aged, and labour markets and older employees.
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Extra info for Ageing, Health and Pensions in Europe: An Economic and Social Policy Perspective
Some studies use reduced forms to project households’ lifetime asset- and income paths, and derive from them implications for savings adequacy. Results are varied: Kotlikoff et al. (1982), Love et al. (2008) and Hurd and Rohwedder (2008) all find there is no generalized under-saving. On the contrary, according to Haveman et al. (2006), about half of retirees will not have enough resources in retirement to meet their pre-retirement consumption level. Moore and Mitchell (1997) also find that the median household needs to increase its saving rate substantially until the age of retirement in order to obtain an ‘adequate’ level of wealth for retirement (an additional 16% saving rate to retire at age 62, or 7% to retire at age 65).
On the contrary, the issue has received scant attention in Europe, and most of the empirical research on the topic refers to the US. Yet, Europe has a number of universities with research expertise in the study of ageing, household saving and consumption choices, and pension economics. Moreover, in addition to the already existing research centres (including CASE, CeRP, IFS, MEA, NIESR and OEE), important European networks have recently been established to study pension-related issues (Netspar) and to collect data on European countries (SHARE; EU-SILC).
30 Elsa Fornero / Annamaria Lusardi / Chiara Monticone As for data, Campbell (2006) designs the ideal dataset for household financial analysis. Adapting Campbell’s list to the study of household saving and adding some elements, the main characteristics of an ideal dataset for evidence-based policy research on the issue of retirement savings adequacy could be listed as follows: • Coverage: the dataset should relate to a representative sample of the entire population, disaggregated by age and wealth.