{"title":"是什么让瑞士年金化?瑞士退休制度简介","authors":"Benjamin Avanzi","doi":"10.2139/ssrn.1407370","DOIUrl":null,"url":null,"abstract":"The Swiss model of retirement savings and benefits distinguishes itself in several aspects. The system is successful in encouraging substantial savings, which are exonerated from tax and guaranteed. The associated market risk is not transferred to the individuals. From an international perspective it is extraordinary that more than half of the Swiss who retire choose to annuitise their capital at retirement. In addition, not only does the retirement scheme offer annuity benefits at retirement, but it also offers annuity benefits on disability and death. In this paper we describe the Swiss social security system with an emphasis on retirement benefits, giving some insights as to what in Switzerland could explain why the so-called annuity puzzle is not observed. We also discuss some of the main issues the Swiss pensions system is currently facing.","PeriodicalId":175023,"journal":{"name":"ERN: Intertemporal Consumer Choice; Life Cycle Models & Savings (Topic)","volume":"20 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2010-02-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"14","resultStr":"{\"title\":\"What is it that Makes the Swiss Annuitise? A Description of the Swiss Retirement System\",\"authors\":\"Benjamin Avanzi\",\"doi\":\"10.2139/ssrn.1407370\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The Swiss model of retirement savings and benefits distinguishes itself in several aspects. The system is successful in encouraging substantial savings, which are exonerated from tax and guaranteed. The associated market risk is not transferred to the individuals. From an international perspective it is extraordinary that more than half of the Swiss who retire choose to annuitise their capital at retirement. In addition, not only does the retirement scheme offer annuity benefits at retirement, but it also offers annuity benefits on disability and death. In this paper we describe the Swiss social security system with an emphasis on retirement benefits, giving some insights as to what in Switzerland could explain why the so-called annuity puzzle is not observed. We also discuss some of the main issues the Swiss pensions system is currently facing.\",\"PeriodicalId\":175023,\"journal\":{\"name\":\"ERN: Intertemporal Consumer Choice; Life Cycle Models & Savings (Topic)\",\"volume\":\"20 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2010-02-04\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"14\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"ERN: Intertemporal Consumer Choice; Life Cycle Models & Savings (Topic)\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.1407370\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"ERN: Intertemporal Consumer Choice; Life Cycle Models & Savings (Topic)","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.1407370","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
What is it that Makes the Swiss Annuitise? A Description of the Swiss Retirement System
The Swiss model of retirement savings and benefits distinguishes itself in several aspects. The system is successful in encouraging substantial savings, which are exonerated from tax and guaranteed. The associated market risk is not transferred to the individuals. From an international perspective it is extraordinary that more than half of the Swiss who retire choose to annuitise their capital at retirement. In addition, not only does the retirement scheme offer annuity benefits at retirement, but it also offers annuity benefits on disability and death. In this paper we describe the Swiss social security system with an emphasis on retirement benefits, giving some insights as to what in Switzerland could explain why the so-called annuity puzzle is not observed. We also discuss some of the main issues the Swiss pensions system is currently facing.
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