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.
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.
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.
As part of the 2019 SME survey, companies in the Berlin/Brandenburg region were asked for the 15th time about their assessment of the current economic situation, their expectations for the future and their investment and financing plans.
The results show that the economic slowdown is not leaving Berlin’s domestic companies completely unscathed. Both the assessments of the business climate and the expected increase in personnel are more cautious. With companies still reluctant to invest, digitisation is one of the top three investment motives.
As part of the SME Survey 2018, Berlin companies were asked about the current economic situation in terms of business climate, future expectations and investment and financing plans. The main topics of the survey were digitisation, company growth and sustainability.
Berliner Sparkasse / Landesbank Berlin commissioned the SME Survey 2018. The responses from representatives of small and medium-sized companies in the region were evaluated.