Saving and old-age provision in Germany (SAVE) 2013

Saving and investment behaviour in private households. Possibilities and needs of financial precaution in private households. Retirement planning. Pension.

1. Accumulation of money and current income situation: management of average monthly income in 2012; amount actually saved in 2012; precise list of all monthly sources of respondent’s and if not widowed his or her partner’s income; total amount of net income; refused or granted credit within the past five years; no application for credit because of expectation of refusal.

2. Retirement: expected age of retirement; respondent retired; expected kind of respondent’s and partner’s income during retirement; expected (private) pension as percentage of last expected net income; if estimation does not include the private pension: reasons for the estimation of the expected pension without the private pension; expectation to work during retirement to supplement pension; pro and contra working during retirement (enjoyment of work, financial situation, state of health, wish to have more time for other things); expected need for financial support at the age of retirement; expected support from children, other relatives and friends or the state; evaluation of time of entry into retirement: wish for earlier or later entry (in years); occupations in addition to retirement within the last year and reasons of having them; percentage of the household’s net income due to those occupations and similar one’s of the partner; wish to receive employer’s pension scheme; information provided by employer about pension scheme.

3. Property ownership: a member of the household is the owner of the housing; market value of the housing property; other property ownerships and properties’ market value.

4. Monetary assets: quantity, kind (economizers, building loan contracts, fixed-interest securities, equity and real estate funds or other securities); worth of all owned monetary assets at the end of 2012; no monetary assets at the end of 2012.

5. Employer´s pension scheme and private pension scheme: quantity, kind (life insurance, employer’s pension scheme, government-funded private pension scheme, private pension insurance), estimated or known balance and monthly contribution at the end of 2012; no pension scheme at the end of 2012.

6. Loan or mortgage: financial charge of respondent or partner that is not covered at the end of 2012; kind of loan.

7. Operating assets and other assets: respondent’s and his or her partner’s operating assets; market value of those assets at the end of 2012; other active debts and its worth; other assets (e.g. jewelry or antiquities) and its worth.

8. Attitudes and expectations: assessment of future economic development in Germany and Europe, assessment of one’s own future economic situation, the spending power of currency, stability of the financial sector and the future of the Euro as a currency; risk-taking behaviour towards one’s health, carrier, financial matters, leisure, sports and while driving; prefer years of working against years of retirement in the scenario of getting 3 more years to live; attitudes towards provision for old age: responsibility of the state, the individual, guarantee of the governmental, private and work related pension; overall trust towards people.

9. Government-funded contracts and insurances: statutory or private nursing care insurance; additional private nursing care insurance; knowledge about additional government funding for private nursing care insurance; estimated percentage of yearly premium for cost coverage.

Demography: gender; age (year of birth); living together with a partner; number of children and persons in the household (size of household); educational degree; educational training of respondent and his or her partner; profession of respondent and partner; reason for part time occupation of respondent and partner; union membership of respondent and partner; highest degree of respondent’s parents; lived with parents at the age of 10; amount of books in the household when the respondent was 10 years old.

Additionally coded was: urbanization; state; number of administrative district; survey wave; weighting factor.

私人家庭储蓄与投资行为、私人家庭金融保障的可能性与需求、退休规划及养老金研究

1. 资金积累与当期收入状况：2012年月均收入管理情况；2012年实际储蓄金额；受访者（若未丧偶则含其配偶）所有月度收入来源的详细清单；净收入总额；过去五年内信贷申请获批或被拒情况；因预期被拒而未申请信贷的情形。
2. 退休相关：预期退休年龄；受访者已退休情况；受访者及其配偶退休后的预期收入类型；预期（私人）养老金占最终预计净收入的比例；若估算未纳入私人养老金，则说明未纳入的原因；退休期间通过工作补充养老金的意愿；退休后工作的利弊分析（涵盖工作乐趣、财务状况、健康状况、希望腾出更多时间从事其他事务等维度）；退休时对经济支援的预期需求；预期可获得子女、其他亲友或国家提供的支援；对退休时机的评估：希望提前或推迟退休的时长（以年为单位）；退休前一年从事的兼职工作及相关动因；此类兼职及配偶同类兼职收入占家庭净收入的比例；希望加入雇主养老金计划的意愿；雇主提供的养老金计划相关信息。
3. 房产所有权：家庭中有成员拥有自有住房；住房的市场价值；其他房产所有权情况及对应房产的市场价值。
4. 金融资产：资产规模、类型（储蓄账户、建房贷款合同、固定收益证券、股票与房地产基金及其他证券）；2012年末所有持有的金融资产总价值；2012年末无金融资产的情形。
5. 雇主养老金计划与私人养老金计划：计划数量、类型（人寿保险、雇主养老金计划、政府资助的私人养老金计划、私人养老金保险）；2012年末预估或已知的账户余额与月度缴费额；2012年末无养老金计划的情形。
6. 贷款与抵押贷款：2012年末未清偿的受访者或配偶的金融负债；贷款类型。
7. 经营资产与其他资产：受访者及其配偶的经营资产；2012年末该类资产的市场价值；其他负债及其价值；其他资产（如珠宝、古董等）及其价值。
8. 态度与预期：对德国及欧洲未来经济发展的评估、对自身未来经济状况的评估、货币购买力、金融行业稳定性与欧元作为货币的未来前景；在健康、职业、财务、休闲、运动及驾驶场景下的风险承担行为；在假设可多存活3年的场景下，倾向于选择延长工作年限还是退休年限；对老年保障的态度：国家与个人的责任，政府、私人及与工作相关的养老金保障体系；对他人的整体信任度。
9. 政府资助的合同与保险：法定护理保险；额外私人护理保险；了解政府对私人护理保险的额外资助情况；预估用于覆盖成本的年度保费比例。

人口统计特征：性别；年龄（出生年份）；是否与配偶同居；子女数量与家庭人数（家庭规模）；学历水平；受访者及其配偶的教育培训经历；受访者及其配偶的职业；受访者及其配偶的兼职动因；受访者及其配偶的工会会员身份；受访者父母的最高学历；受访者10岁时是否与父母同住；受访者10岁时家庭拥有的图书数量。

附加编码项：城市化水平；所属州；行政区划编号；调查波次；权重因子。