Andreas Bergh, docent i nationalekonomi, Ekonomih ögskolan vid ...
Andreas Bergh, docent i nationalekonomi, Ekonomih ögskolan vid ...
Andreas Bergh, docent i nationalekonomi, Ekonomih ögskolan vid ...
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Innehåll<br />
Sammanfattning....................................................................................................................................... 3<br />
1. Inledning .............................................................................................................................................. 4<br />
2. Bakgrund ............................................................................................................................................. 6<br />
2.1 Pensionssystemet på två minuter .................................................................................................. 6<br />
2.2 Pensionspyramiden ....................................................................................................................... 7<br />
2.3 Den nya allmänna pensionen ........................................................................................................ 9<br />
2.3.1 Ersättningsgraden .................................................................................................................. 9<br />
2.4 Tjänstepensionerna ...................................................................................................................... 11<br />
2.5 Svensk ekonomi i förändring ...................................................................................................... 14<br />
3. De samhällsekonomiska vinsterna av konkurrens ........................................................................ 16<br />
3.1 Allmänintressets problem ........................................................................................................... 17<br />
3.2 Vinner även okunniga kunder på konkurrens? ............................................................................ 17<br />
4. Vad innebär välfungerande konkurrens för pensionerna? ................................................................. 18<br />
4.1 Mervärde utöver risk och avkastning .......................................................................................... 19<br />
4.2 Produktutveckling och innovationstakt ....................................................................................... 21<br />
5. Vad hindrar fungerande konkurrens? ................................................................................................ 22<br />
5.1 Är bristande finansiell förmåga ett hinder? ................................................................................. 24<br />
6. Diskussion och avslutning ................................................................................................................. 25<br />
6.1 Problem idag och i framtiden ...................................................................................................... 24<br />
6.2 Reformförslag ............................................................................................................................. 26<br />
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