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Pension reforms and saving for retirement: comparing the United Kingdom and Italy

机译：养老金改革和退休储蓄：英国和意大利的比较

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摘要

Increasing longevity and falling fertility rates have prompted European policymakers to shift the responsibility for retirement funding to individuals. Governments, independently of their political ideologies, are committed to sustainable pension systems by encouraging private saving for retirement. This article uses a quantitative approach to investigate individual saving behaviour in Italy and in the UK and present evidence of the factors determining saving for retirement in the two countries. We question whether differences in pension policies and attitudes are accentuated or lessened by common demographic and social factors and examine the possibility of cross-national saving policies. Our analysis suggests that cohorts identified by homogeneous demographic features present converging perceptions across both countries, by acknowledging the need to save for retirement and the insecurity of future state pensions. However, our findings also show that English respondents make use of private saving for their retirement significantly more than their Italian counterparts.
机译：长寿的增加和生育率的下降促使欧洲决策者将退休资金的责任转移到个人身上。各国政府不顾其政治意识形态，通过鼓励私人储蓄退休来致力于可持续的养老金体系。本文采用定量方法来调查意大利和英国的个人储蓄行为，并提供确定两国退休储蓄的因素的证据。我们质疑养老金政策和态度的差异是否会由于共同的人口和社会因素而加剧或减小，并研究了跨国储蓄政策的可能性。我们的分析表明，通过确认需要为退休储蓄和未来国家养老金的不安全感，由同质的人口特征确定的人群在两国之间呈现出一致的看法。但是，我们的研究结果还表明，英语受访者将私人储蓄用于退休生活的比例明显高于意大利受访者。

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