In recent years in Switzerland, several measures have contributed to a redefinition of the balance between the three pillars, increasing the scope of the individual and private responsibility of old age. Starting from an analysis of the pension system, this article explores the trend towards an individu- alization of the old age pension and associates it with the theories of behavioural economics which deal with the bounded rationality of individuals towards savings. This analysis is essential in order to develop effective measures which specifically take into account population groups in Switzerland that are particularly vulnerable and at risk of being insufficiently provisioned in old-age.
Keywords: Swiss old age pension, pension coverage, private pension, behavioural finance, bounded rationality
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