pension contributions and expected standard of living in retirement, using microdata from the German Panel on Household … have lower (higher) expected standards of living in retirement, due to the uncertainty regarding intrahousehold resource … sharing. The empirical results suggest that household bargaining is significantly correlated with individual retirement …

desired response is that individuals accumulate private assets for retirement. Whether this actually takes place, is of … Germans adapted to the new situation. Both actual and expected retirement decisions changed and the share of households …. Nonetheless, households with low education, low income and less financial education did neither adjust their retirement behavior …