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New Dutch pension contracts and lessons for other countries

机译:新的荷兰养老金合同和其他国家的课程

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This paper summarizes recent developments in Dutch occupational pensions of both the defined contribution and defined benefit (DB) types. A reform of DB schemes is discussed that introduces financial assets as individual entitlements. At the same time, the reformed schemes derive (dis)saving, financial risk management and insurance decisions from the explicit objective of adequate and stable lifelong retirement income. The proposed system also involves an insurance contract pooling longevity risks and possibly collective buffers that share systematic risks with future pension savers. The paper identifies the strengths and weaknesses of the Dutch contract design and draws lessons for other countries.
机译:本文总结了荷兰职业养老金的最新发展,既定贡献和定义益处(DB)类型。讨论了DB方案的改革,将金融资产作为个人权利介绍。与此同时,改革方案从充足和稳定的终身退休收入的明确客观中获得(DIS)拯救,财务风险管理和保险决策。该拟议的系统还涉及保险合同汇总长寿风险以及可能与未来养老金储存者共享系统风险的集体缓冲区。本文确定了荷兰合同设计的优势和缺点,并为其他国家制定了课程。

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