CORDIS Project
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This research project aims to develop models of individual and household saving behavior, focusing on how public insurance and personal risks influence saving decisions across different life stages. The findings will help understand the interaction between savings, insurance, and macroeconomic conditions, ultimately in…
People save for many reasons, such as to finance their retirement, to leave bequests to others, to start and develop a business, and to self-insure against risks.
When young, these risks include wage risk, unemployment risk, entrepreneurial risk, and divorce risk.
When old, one risks living to a very old age and running out of assets, being hit by expensive medical needs, and losing one’s spouse.
An important factor affecting people’s risk exposure, and hence saving behaviour, is the public insu…
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