Sie befinden Sich nicht im Netzwerk der Universität Paderborn. Der Zugriff auf elektronische Ressourcen ist gegebenenfalls nur via VPN oder Shibboleth (DFN-AAI) möglich. mehr Informationen...
Towards Improved Retirement Savings Outcomes for Women
Ort / Verlag
Paris : OECD Publishing,
Erscheinungsjahr
2021
Beschreibungen/Notizen
Includes bibliographical references.
Intro -- Foreword -- Editorial -- Executive summary -- Key findings -- Policy guidelines -- 1 Assessing the gender gap in retirement savings arrangements -- 1.1. Measuring the gender gap in pensions -- 1.2. Assessing the overall gender pension gap -- 1.3. Evidence of a gender gap in retirement income from funded sources -- 1.4. Labour-market factors driving the gender pension gap -- 1.5. Other factors driving the gender pension gap coming from retirement savings schemes -- 1.5.1. Women participate less in retirement savings plans than men 1.5.2. A gender gap in pension assets widens progressively during the accumulation phase -- 1.5.3. How the gender gap in retirement savings during the accumulation phase can materialise further at retirement -- 1.6. Conclusions -- References -- Annex 1.A. Retirement income in different household surveys -- Notes -- 2 Understanding the gender pension gap beyond labour market drivers through a literature review -- 2.1. Gender differences in risk aversion -- 2.1.1. Women's lower tolerance for financial risk -- 2.1.2. Different attitudes towards gambling and competition 2.1.3. Impact of the marital status on risk aversion -- 2.1.4. Impact of financial education on risk aversion -- 2.2. Gender differences in financial literacy -- 2.2.1. Differences in financial literacy -- 2.2.2. Gender differences in priorities: spending versus saving -- 2.2.3. Examples of financial education campaigns aiming at improving the financial literacy of women -- 2.3. Couples and the retirement income gap -- 2.3.1. Couples and financial decision-making -- 2.3.2. The marital status of retirees can influence their retirement income -- 2.4. Gender stereotyping 2.4.1. From an early age in the choice of scientific topics, to career choices -- 2.4.2. Focusing on caregiving and the impact of childcare costs -- 2.4.3. The effect of gender stereotyping on gifting by grandparents -- 2.4.4. Impact of gender stereotyping by advisors -- 2.5. Communication and framing -- 2.5.1. Effect of information bias by gender -- 2.5.2. Need to target communication towards women -- 2.5.3. Examples of communication campaigns targeted at women -- 2.6. Recent positive trends -- References -- Notes 3 What drives the gender pension gap? Case studies from the United States, Germany and Finland -- 3.1. Summary of pension plans analysed in this chapter -- 3.2. Approach -- 3.3. Drivers of the pension gaps in occupational pension plans -- 3.3.1. Coverage gap -- United States -- Germany -- Finland -- 3.3.2. Assets and entitlements -- United States -- Germany -- Finland -- 3.4. Drivers of the pension gaps in personal pension plans -- 3.4.1. Coverage -- Germany -- Finland -- 3.4.2. Assets and contributions -- Germany -- Finland -- 3.5. Discussion and conclusion -- References -- Annex 3.A. Data -- Panel study of income dynamics(PSID) -- Household Finance and Consumptions Survey (HFCS) -- Annex 3.B methodology -- Annex 3.C Detailed modeling results -- Notes -- 4. Gender implications of the design of retirement savings plans -- 5. Policy options for finded retirement savings arrangements to tackle the gender gap.
Labour market inequalities are well-known to be the main drivers of the gender pension gap. This publication focuses on helping governments find solutions for retirement savings arrangements that do not further exacerbate these inequalities.
Description based on publisher supplied metadata and other sources.