THE RETIREMENT IN SPAIN: OPTIMAL AGE AND ACTUARIAL EQUITY

被引：0

作者：

Meneu, Robert ^{[1
]}

Enrique Devesa, Jose ^{[1
]}

Devesa, Mar ^{[1
]}

Dominguez, Inmaculada ^{[2
]}

Encinas, Bolja ^{[3
]}

Angel Garcia, Miguel ^{[4
]}

机构：

[1] Univ Valencia, Fac Econ, Ave Tarongers S-N, Valencia 46022, Spain

[2] Univ Extremadura, Fac Empresa Finanzas & Turismo, Ave Univ S-N, Caceres 10071, Spain

[3] Univ Extremadura, Fac Empresa Finanzas & Turismo, Ave Elvas S-N, Badajoz 06006, Spain

[4] Univ Rey Juan Carlos, Fac Ciencias Jurid & Sociales, Paseo Artilleros S-N, Madrid 28032, Spain

来源：

ANALES DEL INSTITUTO DE ACTUARIOS ESPANOLES | 2019年 / 25期

关键词：

retirement age; actuarial neutrality; actuarial equity; gross pension wealth;

D O I：

10.26360/2019_1

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

This paper analyzes the individual behavior about retirement age in Spain and the relationship between effective retirement age, statutory retirement age, life expectancy and activity rate of the elderly population. It is shown that the current adjustment coefficients for retirement at different ages are not actuarially neutral, encouraging retirement at the statutory age. Using actuarial methodology, we stablish the optimal retirement age, under the criterion of the maximization of gross pension wealth, and the factors of actuarial equity by age that should be applied to achieve actuarial neutrality.

引用

页码：1 / 32

页数：32

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