By Lans Bovenberg, Asghar Zaidi, A. Van Soest, Arthur H O Van Soest
Supplying an overview of the longer term study demanding situations for economists and social scientists relating inhabitants ageing, pensions, health and wellbeing and social care in Europe, this publication examines how clinical learn grants state of the art proof on source of revenue security and future health of the aged, and labour markets and older employees.
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Additional resources for Ageing, Health and Pensions in Europe: An Economic and Social Policy Perspective
A third observation has to do with the results, which seem to be characterised by a stark dichotomy: whereas models point to groups at risk of inadequate resources in retirement, the most recent literature on financial literacy suggests that ignorance is widespread, and that even college graduates often fail to answer basic questions correctly. Lack of knowledge could be overcome by resorting to financial advice external to the family, but the evidence on planning, again, shows that merely 30% of the US close-to-retirement population have thought about retirement, and that only 18% were able to develop a saving plan and stick to it (Lusardi and Mitchell, 2007a).
P. Smith and L. McNair (2008) ‘A New Look at the Wealth Adequacy of Older US Households’, Finance and Economics discussion series 2008-20, Federal Reserve Board Divisions of Research & Statistics and Monetary Affairs, Washington, DC. Lusardi, A. (1999) ‘Information, Expectations, and Savings for Retirement’ in H. ) Behavioral Dimensions of Retirement Economics (Washington, DC: Brookings Institution and Russell Sage Foundation), 81-115. Lusardi, A. (2008) ‘Household Saving Behavior: The Role of Financial Literacy, Information and Financial Education Programs’, NBER working paper 1382.
Stango, V. and J. Zinman (2007) ‘Fuzzy Math and Red Ink: When the Opportunity Cost of Consumption is Not What It Seems’, Dartmouth College working paper. Stiglitz, J. jhtml Thaler, R. (1994) ‘Psychology and Savings Policies’, American Economic Review 84(2), 186-192. Thaler, R. and S. Benartzi (2004) ‘Save More Tomorrow: Using Behavioral Economics to Increase Employee Savings’, Journal of Political Economy 112(1), Part 2: S164-87. Turra, C. and O. Mitchell (2004) ‘The Impact of Health Status and Out-of-Pocket Medical Expenditures on Annuity Valuation’, Pension Research Council working paper 2004-2, Philadelphia, PA.
Ageing, Health and Pensions in Europe: An Economic and Social Policy Perspective by Lans Bovenberg, Asghar Zaidi, A. Van Soest, Arthur H O Van Soest