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Understanding Pensions in Europe
Date du début: 1 sept. 2016, Date de fin: 31 août 2019 PROJET  TERMINÉ 

The project aims to increase the knowledge about pension finance and pension planning. It addresses two target groups: (i) European citizens (the general public) and (ii) students in higher education. It does so by developing two online courses, each targeting one of these groups. In order to bring in first-hand experience with different pension systems as well as knowledge from both academia and practice, two universities (from Liechtenstein and Italy) and one company specializing in pension planning software collaborate in this project.The contents of the courses are tailored to the respective target groups and range from a general understanding of life-cycle investment via the institutional background (three-pillar classification with a focus on European pension systems) to various instruments available for this purpose. As an integral part of both online courses, a pension planning software will be developed. This software allows users of the online courses to assess the effects of various pension planning decisions with respect to different possible ojectives. After taking the course targeted at the general public, users should be aware of the importance of their personal pension planning, should have a good understanding of pension systems in Europe, should have gained insights regarding their own pension finance situation from the pension planning software integrated into the course, and should hence be in a better position to ask the right questions (and avoid common pitfalls) when seeking advice on their own financial planning. After taking the course targeted at students in higher education, these students should have a detailed understanding of core economic, financial and mathematical concepts behind pension finance and personal pension planning, which lays the foundation for a thorough understanding of the mechanics behind pension planning software like the one integrated into the course.Potential longer term benefits of increased knowledge on pension finance include a decreased risk of old age poverty, lowering the hurdles for workers' mobility in the European Union, and more informed participation in political decision processes surrounding pension systems.

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