Retirement expectations in the Netherlands

We analyze expectations of the Dutch population of ages 25 and older concerning the future generosity of Dutch state and occupational pensions, the two main pillars of the Dutch pension system. Since the summer of 2006, monthly survey data were collected on the expectations of Dutch households concerning purchasing power of occupational pensions,eligibility and purchasing power of old age social security benefits, and the average retirement age ten or twenty years from now. We investigate how these expectations have changed over time and how they vary with socio-economic characteristics. Exploiting the fact that our data alsocover 2008 and the first half of 2009, we also analyze the effect of the recent financial and economic crisis. We find significant differences in expectations of different socio-economicgroups, mainly suggesting that groups who are probably better informed were also more pessimistic.

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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