Personal Provision of Retirement Income Meeting the Needs of Older People

By: Jim Stewart (Editor), Gerard Hughes (Editor)

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Hardcover

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Hardcover
304 Pages

Dimensions(cm)
23.4 x 15.6 x 3.18

Hardcover

$302.40

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During the last two decades personal pensions have been introduced in Belgium, Denmark, France, Germany, Ireland, Italy, Poland, Sweden, and the UK. This book is a critical examination of the objectives of personal pensions in these countries and the use of tax incentives to encourage individuals to save for their retirement. It also includes two chapters on personal pensions in the United States. Based on the evidence from these countries it is concluded that expectations in relation to the take up of personal pensions have not been realised and that EU countries should not rely on personal pensions to improve income adequacy at the lower end of the income distribution.

Industry Reviews

'This excellent study of the different ways countries are making use of personal pensions demonstrates how important it is to analyse these developments within the context of existing pension systems. It pursues searching questions about the extent to which personal pensions are likely to succeed in enlarging choice, promoting better support in retirement and reducing demand on public provision. The answers pose awkward challenges for policymakers.' - Adrian Sinfield, The University of Edinburgh, UK

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