By Onno W. Steenbeek, S. G. Fieke van der Lecq
The Dutch pension method is frequently praised as the best on the earth: it truly is effective, it presents sure bet to individuals and it preserves solidarity and cohesion between staff and pensioners. This booklet provides those advantages intimately, supported by way of quantitative facts. It additionally discusses the features of the method which are much less beneficial, even though, similar to implicit price transfers from more youthful to older generations that restrict mobility of labour. The analyses of either advantages and prices may also help pension fund managers, forums of trustees, supervisors, and researchers to appreciate and to enhance pension platforms at present in position worldwide.
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Extra resources for Costs and Benefits of Collective Pension Systems
47 Literature Beer, P. ’, in E. de Jong and M. Buijsen, Solidariteit onder druk? Over de grens tussen individuele en collectieve verantwoordelijkheid, Nijmegen: Valkhof Pers, 2005. Berg, B. T. ’, Economisch Statistische Berichten (88) 4413: pp. 420-422, 2003. Battacharya, J. and N. Sood, Health insurance and the obesity externality, Working Paper 11 529, NBER, 2005. , ‘Solidariteit, rechtvaardigheid en de zorg om gezondheid’, Filosofie & Praktijk (26)5, pp. 5-18, 2005. M. and E. Meara, The medical costs of the young and the old: a forty year perspective, Working Paper 6114, NBER, 1997.
9. Solidarity related to marital status: participants with marital or equivalent status benefit from the participation of participants without a partner. The level premium paid by the latter also includes the risk premium of a surviving dependant’s pension in the event of death prior to retirement. The aforementioned exchange option mitigates this form of solidarity to a certain extent. Analogously there is solidarity between participants with dependant children and those without. 10. Solidarity between the various types of pension occurring in a pension scheme: this occurs when the actual costs of the aforementioned types of pension differ from the expected costs and the difference is credited or charged to the (rest of the) collectivity.
11. Solidarity between collective pension products and supplementary optional products: this occurs where supplementary optional products are not priced strictly according to the self-financing or self-supporting principle. No scheme or scheme component is ever entirely self-supporting. B. Kuné 12. Buffer solidarity: the presence of buffer assets of, say, 30% or more of the provision for accrued rights is a major source of financing. This makes it possible to keep the contribution relatively low and gives participants a disincentive to exit the scheme – assuming they are free to do so – and makes it very attractive for prospective participants to enter the scheme rather than make individual arrangements.
Costs and Benefits of Collective Pension Systems by Onno W. Steenbeek, S. G. Fieke van der Lecq