Det nye pensjonssystemet krever bevisste forbrukere. Det er flere spørsmål å ta stilling til enn tidligere, og forbrukerne stilles overfor flere valg enn før. For mange vil egen pensjonssparing være ønskelig. Finans Norge vil arbeide for å øke bevisstheten om egne pensjonsbehov blant forbrukerne, i tillegg til å arbeide for at lovverket for privat sparing får utvidet spareramme og mer forutsigbare skattemessige effekter.

The study investigates the views of employers and employees on flexible retirement, the decision to retire on an old-age pension, and factors affecting retirement and continuing at work.

Stadig fleire kombinerer arbeid og pensjon, og det er ikkje lenger fullt samsvar mellom når folk tek ut pensjon og når dei sluttar i arbeid. Nav har difor utarbeidd indikatorar for pensjoneringsåtferd og for sysselsetjing blant eldre: forventa yrkesaktivitet og forventa pensjoneringsalder.

Dutch employers and labor unions agreed in 2010 to support a major pension reform. The newly proposed contract replaces suggested nominal guarantees by "soft real rights". The soft real rights are adjusted annually to unexpected real investment returns.

We compare levels of financial literacy in New Zealand with levels in five other countries and between the general adult population of New Zealand, people of Maori ethnicity and, more particularly, the people of Ngai Tahu, a Maori tribe based mainly in the South Island of New Zealand who have initiated a long-term savings scheme and are also providing financial education courses for members of their tribe.

Most countries have separate pension plan for public sector employees. The future fiscal burden of these plans can be substantial as the government usually is the largest employer, pension promises in the public sector tend to be relatively generous, and future payments have to be paid out directly from government revenues (pay-as-you-go) or by funded plans (pension funds) which tend to be underfunded. The valuation and disclosure of these promises in some countries lacks transparency, which may be hiding potentially huge fiscal liabilities that are being passed on to future generations of workers.

Our study contributes to the financial literacy literature by examining its association with retirement planning in an interesting and novel context, i.e. that of a country with a relatively old and rapidly ageing population, large regional disparities and a rapidly emerging financial market.

We examine the relationship between financial literacy and retirement planning in a representative sample of Swedish adults. We find significant differences in financial literacy between planners and non-planners.

By requiring individuals to decide whether to participate in (newly established) pension funds, how much to contribute and how to invest their retirement wealth, pension reforms have raised concerns about the ability of households to deal with financial decisions.

We examine financial literacy in Germany using data from the SAVE survey. We find that knowledge of basic financial concepts is lacking among women, the less educated, and those living in East Germany.

We present new evidence on financial literacy and retirement preparation in the Netherlands based on two surveys conducted before and after the onset of the financial crisis. We document that while financial knowledge did not increase from 2005 to 2010, significantly more individuals planned for their retirement in 2010.