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Family and government insurance: Wage, earnings, and income risks in the Netherlands and the U.S.

“Family and government insurance reduce but do not eliminate earnings risk in both countries” The dynamics and magnitude of earnings shocks have direct consequences for the pension accrual of employees and the optimal investment policy of pension assets. This study documents the distribution of male earnings shocks for different age and income groups. Furthermore, we examine the extent to which spousal income, government transfers,…

Start project Pensioenfonds PGB and ROA: The role of pensions for career decisions

Pensioenfonds PGB has joined forces with the Research Center for Education and the Labor Market (ROA) at Maastricht University this month to embark on a new project: The role of pensions for career decisions. The project was initiated by Netspar and is being funded by Instituut Gak. Henk Heek, Lead Client Innovation at the Strategic Advice department, is playing a connecting role for PGB…

Matchmaking in pensioenland: welk pensioen past bij welke deelnemer?

“Optimale pensioenmatching: balanceren tussen rationele en emotionele perspectieven” Sinds 2016 kunnen deelnemers in een Nederlandse premieregeling ervoor kiezen een variabel pensioen aan te kopen. Hiermee krijgt een deelnemer naar verwachting een hogere uitkering vergeleken met een vast pensioen, maar bestaat er ook het risico dat de uitkering lager uitvalt. In deze studie onderzoeken we hoe er een goede match kan worden gevonden tussen de…

Accumulation of choices; interactions in choice architecture and between time and risk

“The status-quo bias is stronger when options are presented together rather than separately, however the bias disappears if the joint consequence of options are shown.” As a result of the new pension agreement, Dutch pension participants face an increasing number of pension choices during the accumulation of their pension and in how it is paid out. Participants’ choices have cumulative consequences, which they often…

Netspar Thesis Awards granted: Excellent contributions to the netspar research program

Netspar congratulates the winners of the Netspar Thesis Awards 2021: Marc Vahlenbreder (UM), Kristy Jansen (TiU) en het team van Martin Coppens (APG), Ilse van Eekelen (FNV), Roy van Nisselrooij (PGGM), Gilles de Vries (PGB) en Lieke Werner (Achmea) under the guidance of Roel Mehlkopf. The prizes of € 3.000 each were awarded during the annual International Pension Workshop to outstanding master, phd and Tias…

Retirement preparation of self-employed individuals during the COVID-19 crisis

“Financial setbacks during the COVID-19 crisis negatively impact perceived adequacy of retirement savings” Many, but not all, self-employed people have been hit hard by the COVID-19 crisis. However, this crisis not only affects the current financial position of these individuals but may also affect their ability to prepare for an uncertain future. This study explores the extent to which self-employed individuals without personnel experienced…

Income effects at and after the transition to the new Dutch pension contract

“The new pension contract affords the flexibility to tailor pension incomes to participants’ preferences” How will the collective investment strategy, allocation of total returns, assumed interest rate, and smoothing term affect pension incomes under the new Dutch pension contract? We examined the income effects at both the time of transition to this new scheme and in the longer run. We also compared the income…

Pension system transition – division of responsibilities between social partners and pension funds

“Seven recommendations for resolving issues” The consultation document on the Dutch Act on Future Pensions sets out a framework for the structure of, and transition to, the new Dutch pension system. It starts from the notion that social partners and pension providers will work together in an iterative process consecutively to change and implement their pension arrangements. The paper demonstrates that this process may…

How do spouses respond when disability benefits are lost?

“Spouses tend to work more to compensate for loss of household income” At the start of this century, the Netherlands had one of the world’s highest shares of workers receiving disability benefits in the insured population. Successive governments sought to reduce disability benefit claims. The last step in this process was the introduction of the Work and Income According to Labour Capacity Act (WIA)…

Income smoothing with equal adjustments

“Can income adjustments for all participants remain equal under the new Dutch pension scheme, even with smoothing of income adjustments over time and without any redistribution?” In the proposed new Dutch pension system, period-by-period fluctuations in income adjustments can be large. In the current defined benefit system, such fluctuations are contained by smoothing income adjustments over time and the adjustments made are equal for…

Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.

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