The determinants of participation in the second pension pillar in the Netherlands
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2023-08-29
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en
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The aim of occupational pensions is to ensure a certain life standard after retirement. However, some workers do not participate in an occupational pension. In this thesis, I study the effect of individual and job characteristics on the probability of having an occupational pension in the Netherlands between 2016 and 2021. I use a unique dataset that contains more than 23 million observations. This study focuses on estimating the effect of the type of work contract on participation, as little is known about this relationship. Using logistic and linear regression models, I find that contract type is one of the main determinants of occupational pension participation. Employees having a flexible job are much less likely to build up occupational pensions, in particular the self-employed. These findings are robust after adjusting for random and fixed effects. It is important to improve the access to occupational pensions for the self-employed and for employees with a flexible job.
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Faculteit der Managementwetenschappen