Costs and Benefits of Collective Pension Systems by Onno W. Steenbeek, S. G. Fieke van der Lecq

By Onno W. Steenbeek, S. G. Fieke van der Lecq

The Dutch pension approach is frequently praised as the best on this planet: it's effective, it offers sure bet to contributors and it preserves solidarity and unity between employees and pensioners. This booklet offers those advantages intimately, supported via quantitative facts. It additionally discusses the facets of the approach which are much less beneficial, notwithstanding, resembling implicit price transfers from more youthful to older generations that restrict mobility of labour. The analyses of either merits and prices may help pension fund managers, forums of trustees, supervisors, and researchers to appreciate and to enhance pension platforms at the moment in position worldwide.

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This is one of the key questions that must be carefully considered. 7 Note, however, that ex-post discrepancies are inevitable: reality is inherently unpredictable and surpluses and shortfalls will always occur. CONCLUSIONS The first conclusion is that there should be no hidden re-distributing solidarities within the supplementary pension schemes. Everyone must know what solidarities are involved and how much they cost. The participants can then form a standpoint as to which solidarities are necessary or unnecessary, and to what extent.

In the healthcare sector this development is evident from the fact that many now perceive health as an enshrined ‘right’ (Starr, 1982). This evolution from subjective duty to objective right has strongly influenced the way solidarity is organised in our society of today. SOLIDARITY VERSUS COLLECTIVITY Weighing up the costs and benefits of collective pension schemes is the core theme of this book. What is the relationship between solidarity and collectivity? Insurance economics mainly perceives collectivity as a means of achieving economies of scale by spreading individual risks.

Over the years these views on solidarity as an individual moral obligation acquired a more rational dimension as arguments such as enlightened self-interest started to gain currency. In the literature this process is frequently illustrated by the insurance world, where ‘cold’ utilitarian interests progressively displaced the ‘warm’ sense of social duty in the solidarity framework (Widdershoven, 2005). In the healthcare sector this development is evident from the fact that many now perceive health as an enshrined ‘right’ (Starr, 1982).

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