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Barros, Carlos Pestana, Caporale, Guglielmo Maria and Garcia, Maria Teresa Medeiros (2007) Ageing and personal retirement savings plan participation with heterogeneity in preferences : the Portuguese case. Centre for International Capital Markets discussion papers, 2007 (11). pp. 1-25. ISSN 1749-3412
This paper analyses the relationship between ageing and personal retirement savings plan participation in the Portuguese population, taking into account heterogeneity in preferences. A mixed logit model is used to analyse the determinants of retirement saving behaviour, allowing for heterogeneity in the responses. We find considerable heterogeneity among individuals (in terms of socio-economic variables such as age, gender and income), which must be taken into account by any policy aimed at changing retirement saving behaviour.
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