健康事故和财富下降在老年时代
Hippolyte d'Albis1, Najat El Mekkaoui2, Bérangère Legendre3
1Paris School of Economics, CNRS, 48 Bd Jourdan, 75014 Paris, France.
Social science & medicine (1982)
|August 4, 2023
概括
健康冲击减少了老年人的储蓄,使年金对财务安全至关重要. 这项研究探讨了健康变化如何影响晚年生活中的储蓄和投资选择.
科学领域:
- 老年学是一门学科.
- 卫生经济学 卫生经济学
- 行为经济学是一种行为经济学.
背景情况:
- 健康冲击对老年人的财务规划产生重大影响.
- 不完善的年金市场使老年人的资源分配变得复杂.
- 了解健康后事件的储蓄行为对于老龄化经济至关重要.
研究的目的:
- 分析健康冲击对老年人的储蓄和投资组合选择的影响.
- 调查年金在减轻与健康状况不佳相关的财务风险方面的作用.
- 为人口老龄化提供对资源分配策略的见解.
主要方法:
- 理论框架包括不完美的年金市场和改变的生存概率.
- 对年龄,队列和选择偏差进行控制的差异差异方法.
- 使用来自欧洲健康,衰老和退休调查 (SHARE) 的小组数据进行实证分析.
主要成果:
- 健康冲击,如中风或心脏病发作,导致安全储蓄减少.
- 经历不良健康事件的个人倾向于减少对安全资产的分配.
- 年金投资成为管理与健康有关的财务后果的关键策略.
结论:
- 经历健康冲击会对老年人的储蓄行为产生负面影响.
- 年金在面临健康挑战的老年人的财务弹性方面发挥着至关重要的作用.
- 政策和财务规划应考虑健康,生存概率和老龄化人口的储蓄之间的相互作用.
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