Participation and choice in funded pension plans: Guidance for the Netherlands from worldwide diversity

This paper provides an in-depth comparison of funded pension savings plans around the world. The large variety in plan designs is a reflection of historical, cultural, and institutional diversity. We postulate a new classification consisting of four role models of funded pension plans, primarily based on choice architecture and type of regulation. We illustrate the features of each role model with twelve representative pension plan case studies from eleven countries. Valuable lessons can be learned from international best practices without making any normative comparison. The role models provide guidance in the Dutch orientation on pension plan redesign regarding participation and choice, linked to Dutch culture and practice.

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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