Study on the performance and adequacy of pension decumulation practices in four EU countries

This document describes decumulation practices in four European countries (United Kingdom, Netherlands, Germany and Poland). The most common consumer choices are then identified and their adequacy is assessed. In order to understand the consumers' perspective, factors affecting their choices have been analysed (information, financial advice, market structure and regulation). Finally, this document provides an overview of current national debates in the four countries of the study.