Occupational pension plans and individual retirement saving: complementary or substitute? Evidence from Spain

M. Mercè Claramunt Bielsa; Teresa Costa Cor; Maite Mármol Jiménez; Xavier Varea Soler

doi:10.26360/2026_05

Autores/as

M. Mercè Claramunt Bielsa Universitat de Barcelona (España) https://orcid.org/0000-0002-5184-9106
Teresa Costa Cor Universitat de Barcelona (España) https://orcid.org/0000-0002-9214-4751
Maite Mármol Jiménez Universitat de Barcelona (España) https://orcid.org/0000-0002-2246-3247
Xavier Varea Soler Universitat de Barcelona (España) https://orcid.org/0000-0002-3084-1957

DOI:

https://doi.org/10.26360/2026_05

Palabras clave:

Encuesta Financiera de las Familias, ahorro de los hogares, planes de pensiones privados individuales, planes de pensiones ocupacionales, modelo logit, clusters

Resumen

La evolución de los sistemas de pensiones en Europa está condicionada por la compleja interacción entre tres pilares: las pensiones públicas, las pensiones ocupacionales y el ahorro individual para la jubilación. Este artículo analiza la relación entre el segundo y el tercer pilar del sistema de pensiones en España, utilizando datos de la Encuesta Financiera de las Familias de 2020. Para ello, se aplican modelos logit y técnicas de análisis cluster con el fin de examinar cómo la promoción de los planes de pensiones ocupacionales influye en la contratación de planes individuales privados, prestando especial atención a la persona de referencia del hogar. En conjunto, los resultados ponen de relieve el carácter complementario de los pilares ocupacional e individual en el contexto español.

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