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Why do people invest in personal pension plans?

[Zeitschriftenartikel]

Domínguez Barrero, Félix; López Laborda, Julio

Zitationshinweis

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Abstract The aim of this paper is to identify the variables affecting the decision to make contributions to personal pension plans and the amount of such contributions. For this purpose, we specify and estimate a Tobit model for a sample based on the 1995 Personal Income Taxpayers Panel prepared by the Institute of Fiscal Studies (Spanish Ministry of Economy and Finance) formed by 3,041 taxpayers, of whom 358 made contributions to pension plans. Our results suggest that individuals decide to invest in pension plans on complex grounds combining the wish to benefit from tax savings and to ensure they will receive supplementary income upon retirement.
Sprache Dokument Englisch
Publikationsjahr 2007
Seitenangabe S. 1115-1126
Zeitschriftentitel Applied Economics, 39 (2007) 9
DOI http://dx.doi.org/10.1080/00036840500461956
Status Postprint; begutachtet (peer reviewed)
Lizenz PEER Licence Agreement (applicable only to documents from PEER project)
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