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Patrimoine privé et retraite en France

Author

Listed:
  • Thomas Blanchet

    (PSE - Paris School of Economics - UP1 - Université Paris 1 Panthéon-Sorbonne - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres - EHESS - École des hautes études en sciences sociales - ENPC - École des Ponts ParisTech - CNRS - Centre National de la Recherche Scientifique - INRAE - Institut National de Recherche pour l’Agriculture, l’Alimentation et l’Environnement)

  • Yves Dubois

    (INSEE Paris)

  • Anthony Marino

    (INSEE Paris)

  • Muriel Roger

    (PSE - Paris School of Economics - UP1 - Université Paris 1 Panthéon-Sorbonne - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres - EHESS - École des hautes études en sciences sociales - ENPC - École des Ponts ParisTech - CNRS - Centre National de la Recherche Scientifique - INRAE - Institut National de Recherche pour l’Agriculture, l’Alimentation et l’Environnement)

Abstract
L'existence d'un système de retraite modifie les comportements d'épargne des ménages. Nous estimons le phénomène de substitution entre épargne privée et montant des droits à pension dans le cas français à partir des données de l'enquête Patrimoine et du modèle de microsimulation Destinie de l'INSEE. Les comportements d'épargne sont modélisés à l'aide du modèle de Gale (1998). Les résultats mettent en évidence des comportements de substitution entre l'épargne des ménages et leurs droits à pension. L'amplitude de ces effets est sensible aux paramètres d'actualisation des agents. Une hausse des pensions publiques induit une diminution de l'épargne complémentaire retraite et une diminution de l'investissement immobilier. Ce second effet est prédominant.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Thomas Blanchet & Yves Dubois & Anthony Marino & Muriel Roger, 2016. "Patrimoine privé et retraite en France," PSE-Ecole d'économie de Paris (Postprint) hal-01504266, HAL.
  • Handle: RePEc:hal:pseptp:hal-01504266
    DOI: 10.3917/rfe.161.0207
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    References listed on IDEAS

    as
    1. Jérôme Bourdieu & Benoît Rapoport & Muriel Roger, 2014. "Montant et composition du patrimoine des indépendants, avant et après le départ à la retraite," Économie et Statistique, Programme National Persée, vol. 472(1), pages 169-193.
    2. Arrondel, L. & Roger, M. & Savignac, F., 2013. "Patrimoine et endettement des ménages dans la zone euro :le rôle prépondérant de l’immobilier," Bulletin de la Banque de France, Banque de France, issue 192, pages 81-94.
    3. Alessie, Rob & Angelini, Viola & van Santen, Peter, 2013. "Pension wealth and household savings in Europe: Evidence from SHARELIFE," European Economic Review, Elsevier, vol. 63(C), pages 308-328.
    4. Sewin Chan & Ann Huff Stevens, 2008. "What You Don't Know Can't Help You: Pension Knowledge and Retirement Decision-Making," The Review of Economics and Statistics, MIT Press, vol. 90(2), pages 253-266, May.
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    7. Luc Arrondel & Hector Calvo Pardo, 2008. "Les Français sont-ils prudents ? Patrimoine et risque sur les revenus des ménages," PSE Working Papers halshs-00585994, HAL.
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    10. William G. Gale & John W.R. Phillips, 2006. "Pensions, Social Security, Wealth and Lifetime Earnings: Evidence from the Health and Retirement Study," Working Papers, Center for Retirement Research at Boston College wp2006-14, Center for Retirement Research, revised Aug 2006.
    11. Michael Hurd & Pierre‐Carl Michaud & Susann Rohwedder, 2012. "The Displacement Effect of Public Pensions on the Accumulation of Financial Assets," Fiscal Studies, Institute for Fiscal Studies, vol. 33(1), pages 107-128, March.
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    14. Jérôme Bourdieu & Benoît Rapoport & Muriel Roger, 2014. "Montant et composition du patrimoine des indépendants, avant et après le départ à la retraite," Économie et Statistique, Programme National Persée, vol. 472(1), pages 169-193.
    15. Hubbard, R Glenn, 1986. "Pension Wealth and Individual Saving: Some New Evidence," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 18(2), pages 167-178, May.
    16. repec:dau:papers:123456789/5057 is not listed on IDEAS
    17. Blau, David M., 2011. "Pensions, Household Saving, and Welfare: A Dynamic Analysis," IZA Discussion Papers 5554, Institute of Labor Economics (IZA).
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    1. Mathieu Lefebvre & Sergio Perelman, 2016. "Social security wealth and household asset holdings: new evidence from Belgium," Working Papers of BETA 2016-38, Bureau d'Economie Théorique et Appliquée, UDS, Strasbourg.

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    Keywords

    Patrimoine; retraite;

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