DIW Econ has successfully completed the BMAS research project ‘Investigation of the social situations of self-employed persons in Germany’, in collaboration with infas – Institute for Applied Social Sciences. As part of the project, a nationwide survey of over 2,000 self-employed individuals in main and secondary employment was conducted in 2024. The survey covered topics such as their employment situation and history, income, finances, and social security provisions.
Who benefits from the tax allowance for education, upbringing and training?
The current short expert report commissioned by the AWO Bundesverband e.V. sheds light on the distributional effects of the tax allowances for children. In particular, the allowance for care, education and training costs (BEA) currently favours high-income households more than low-income families. The study analyses how halving the CEA or reducing it to 300 euros would affect different groups of households.
Education as an Enabler for Private Capital Accumulation
DIW Econ Economic Bulletin, No. 1/2022:
The pension system in Germany is based on the so-called three-pillar model, consisting of the statutory pension, work-based provision and private provision.
While the statutory pension is under intense pressure from demographic change, with the baby boomer generation reaching retirement age in the mid-2020s, only around 54% of employees subject to compulsory insurance in Germany benefit from the employment-based old-age provision. The private provision in the form of Riester contracts has also been taken out by only around a quarter of the working population.
Hype or New Normal? Insights into the motives and behavior of a new generation of investors
Recently, more and more people have been using neobrokers to invest in the capital market. On behalf of Trade Republic, DIW Econ investigated the socio-economic background, motivation and investment behaviour of this new generation of investors. The study is based on a survey of 216,000 Trade Republic users and is thus the largest survey-based study of private investors worldwide.
Decarbonisation measures beyond a CO2 price
The discourse on climate policy to achieve internationally agreed climate targets in Germany is often narrowed down to the instrument of CO2 pricing. A price for the emission of climate-damaging carbon dioxide is an essential building block for achieving the long-term decarbonisation of all sectors.
However, the current study by DIW Econ with Prof. Dr Claudia Kemfert, Head of the Department of Energy, Transport and Environment at DIW, commissioned by Greenpeace, shows that a price on CO2 by itself is by far not sufficient to achieve Germany’s agreed climate goals. This can only be achieved with the help of a policy mix of CO2 pricing and complementary regulatory instruments and measures.