Published Results: personal-pension-fra...

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Are you replying as:([ID2])	Please specify:([ID43])	First name and last name:(organisation-identity-public)	Where are you based and/or where do you carry out your activity?(country)	Please specify your country:(specify-country)	Field of activity or sector (if applicable):(activity-field)	Please specify your activity field(s) or sector(s):(specify-activity-field)	Contributions received are intended for publication on the Commission’s website. Do you agree to your contribution being published? (see specific privacy statement )(contributions-publication)	1. Do you think it is necessary to have additional savings for the age of retirement compared to what state-based or occupational pensions provide?([ID9])	2. How do you save for retirement? (multiple choices are possible)([ID13])	Please specify:([ID4])	3. Have you ever purchased a personal pension product?([ID19])	4. If yes, how did you purchase your personal pension product?([ID20])	Please specify:([ID3])	5. If not, what are the reasons you do not invest in a personal pension product?([ID22])	Please describe:([ID5])	6. Are you aware of the annual fees you pay for your personal pension product?([ID25])	7. Do you know what the return on your investment has been over the last two years?([ID26])	8. Have you recently received information, about the total amount of the benefits you are likely to get once you reach retirement age?([ID27])	9. How would you describe your overall level of satisfaction on the choice of personal pensions available to you?([ID28])	Please describe why:([ID38])	10. Have you already purchased a personal pension from a provider coming from another Member State in the last three years?([ID31])	11. Are simple and affordable personal pension products which provide good returns available in your country?([ID12])	12. If such products were available under an EU personal pension framework, would you consider investing in them?([ID14])	Please specify:([ID42])	13. How would you consider buying this product? (multiple options allowed)([ID16])	Please specify:([ID51])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : The cost of the product ([ID62])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Clear information about fees, for example for administration, transactions, exit of the product ([ID63])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Available investment options ([ID64])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Return on my investment ([ID65])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Information about past performance of the product ([ID66])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Tax relief ([ID67])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Availability of professional advice ([ID68])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Level of fees disclosed annually ([ID69])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Level of protection provided on my savings (guarantees) ([ID70])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Information provided in a standardised format for ease of comparison ([ID71])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : A benchmark to assess the product's performance, safety and simplicity ([ID72])	14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : The possibility for a degree of flexibility in the contributions - for example allowing temporary interruptions of the contributions in specific situations (e.g. unemployment) while preserving the rights matured ([ID73])	Other:([ID52])	15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Information about costs and fees ([ID40])	15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Available investment options ([ID44])	15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : The return on my investment ([ID45])	15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Information about the past performance of the product ([ID46])	15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Tax relief provided ([ID47])	15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Level of protection provided on my savings (guarantees) ([ID48])	15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : A benchmark to assess the product's performance, safety and simplicity ([ID49])	16. Should you have further observations about personal pensions, please share your experience here:([ID29])
All Values Apply Filter Self-employed Employee in the private sector Employee in the public sector Other			All Values Apply Filter Austria Belgium Bulgaria Croatia Cyprus Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Ireland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Norway Poland Portugal Romania Slovakia Slovenia Spain Sweden Switzerland The Netherlands United Kingdom Other country		All Values Apply Filter Accounting Auditing Banking Credit rating agencies Insurance Pension provision Investment management (e.g. hedge funds, private equity funds, venture capital funds, money market funds, securities) Market infrastructure operation (e.g. CCPs, CSDs, Stock exchanges) Social entrepreneurship Other Not applicable		All Values Apply Filter Yes, I agree to my response being published under the name I indicate (name of your organisation/company/public authority or your name if your reply as an individual) No, I do not want my response to be published	All Values Apply Filter Yes, there is need for additional savings for retirement No, the state-based and occupational pension will be sufficient I don't know	All Values Apply Filter I use a savings account I contribute to a personal pension product from my bank/insurer I contribute to a pension provided by my employer I invest in other type of financial instruments/products I invest in real estate I count on my state pension I do not save for retirement Other way to save for retirement		All Values Apply Filter Yes No, but I am considering it No, I am not interested	All Values Apply Filter It was offered by my bank/insurer It was offered by my tax adviser I looked for professional advice I used a comparison website I followed the advice of friends/family I followed government advice I followed advice from a consumer organisation Other way to purchase the personal pension product		All Values Apply Filter The fees for a personal pension product are too high I count on my state-based and occupational pension I invest in other types of financial instruments/products I have no funds available for any personal pension savings I don't think tax incentives are sufficient I cannot take it abroad I am not aware of any pension savings products Any other reason		All Values Apply Filter Yes, I am aware of the amount of fees I pay No, I do not know the fees I pay I am not interested in fees	All Values Apply Filter Yes, I am aware of the return on my pension product No, I do not know the return I am not interested in the return	All Values Apply Filter Yes, I receive information on a regular basis No, I do not receive any information I am not interested	All Values Apply Filter Very satisfied Satisfied Not very satisfied Not satisfied at all I don't know		All Values Apply Filter Yes, I have purchased a personal pension from another EU Member State No, I have not purchased a personal pension from another EU Member State No, I have not purchased a personal pension from another EU Member State but I would consider it	All Values Apply Filter Yes, such products are available in my country No, such products are not available in my country No opinion	All Values Apply Filter I am interested in such a product I prefer investing in other savings products I am not interesting in saving for retirement I don't know, I can't decide what to buy Other		All Values Apply Filter Online, provided advice is offered Online, even without advice Face-to-face only From my investment/tax professional From a new provider From an insurance company or broker I don't know where to buy such products Other		All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion	All Values Apply Filter Not at all important Rather unimportant Fairly important Very important No opinion		All Values Apply Filter Before signing up to a product Periodically after signing up to a product Before signing up to a product and periodically afterwards Not necessary to provide this information	All Values Apply Filter Before signing up to a product Periodically after signing up to a product Before signing up to a product and periodically afterwards Not necessary to provide this information	All Values Apply Filter Before signing up to a product Periodically after signing up to a product Before signing up to a product and periodically afterwards Not necessary to provide this information	All Values Apply Filter Before signing up to a product Periodically after signing up to a product Before signing up to a product and periodically afterwards Not necessary to provide this information	All Values Apply Filter Before signing up to a product Periodically after signing up to a product Before signing up to a product and periodically afterwards Not necessary to provide this information	All Values Apply Filter Before signing up to a product Periodically after signing up to a product Before signing up to a product and periodically afterwards Not necessary to provide this information	All Values Apply Filter Before signing up to a product Periodically after signing up to a product Before signing up to a product and periodically afterwards Not necessary to provide this information

No contribution to display no data

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Are you replying as:

Please specify:

First name and last name:

Where are you based and/or where do you carry out your activity?

Please specify your country:

Field of activity or sector (if applicable):

Please specify your activity field(s) or sector(s):

Contributions received are intended for publication on the Commission’s website. Do you agree to your contribution being published?
(see specific privacy statement

)

1. Do you think it is necessary to have additional savings for the age of retirement compared to what state-based or occupational pensions provide?

2. How do you save for retirement?
(multiple choices are possible)

Please specify:

3. Have you ever purchased a personal pension product?

4. If yes, how did you purchase your personal pension product?

Please specify:

5. If not, what are the reasons you do not invest in a personal pension product?

Please describe:

6. Are you aware of the annual fees you pay for your personal pension product?

7. Do you know what the return on your investment has been over the last two years?

8. Have you recently received information, about the total amount of the benefits you are likely to get once you reach retirement age?

9. How would you describe your overall level of satisfaction on the choice of personal pensions available to you?

Please describe why:

10. Have you already purchased a personal pension from a provider coming from another Member State in the last three years?

11. Are simple and affordable personal pension products which provide good returns available in your country?

12. If such products were available under an EU personal pension framework, would you consider investing in them?

Please specify:

13. How would you consider buying this product?
(multiple options allowed)

Please specify:

14. What information would you highlight as the most relevant in your decision to invest in personal pensions?
(Please tick the appropriate field, only one choice is allowed per category of reply)

The cost of the product

Clear information about fees, for example for administration, transactions, exit of the product

Available investment options

Return on my investment

Information about past performance of the product

Tax relief

Availability of professional advice

Level of fees disclosed annually

Level of protection provided on my savings (guarantees)

Information provided in a standardised format for ease of comparison

A benchmark to assess the product's performance, safety and simplicity

The possibility for a degree of flexibility in the contributions - for example allowing temporary interruptions of the contributions in specific situations (e.g. unemployment) while preserving the rights matured

Other:

15. At what stage should information be provided?
(Please tick the appropriate field, only one choice is allowed per category of reply)

Information about costs and fees

Available investment options

The return on my investment

Information about the past performance of the product

Tax relief provided

Level of protection provided on my savings (guarantees)

A benchmark to assess the product's performance, safety and simplicity

16. Should you have further observations about personal pensions, please share your experience here:

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Load Statistics

Are you replying as:([ID2])

		Answers	Ratio
Self-employed([ID24])
Employee in the private sector([ID32])
Employee in the public sector([ID39])
Other([ID41])
No Answer

Where are you based and/or where do you carry out your activity?(country)

		Answers	Ratio
Austria([ID21])
Belgium([ID22])
Bulgaria([ID23])
Croatia([ID24])
Cyprus([ID25])
Czech Republic([ID26])
Denmark([ID27])
Estonia([ID28])
Finland([ID29])
France([ID30])
Germany([ID31])
Greece([ID32])
Hungary([ID33])
Iceland([ID34])
Ireland([ID35])
Italy([ID36])
Latvia([ID37])
Liechtenstein([ID38])
Lithuania([ID39])
Luxembourg([ID40])
Malta([ID41])
Norway([ID42])
Poland([ID43])
Portugal([ID44])
Romania([ID45])
Slovakia([ID46])
Slovenia([ID47])
Spain([ID48])
Sweden([ID49])
Switzerland([ID50])
The Netherlands([ID51])
United Kingdom([ID52])
Other country([ID53])
No Answer

Field of activity or sector (if applicable):(activity-field)

		Answers	Ratio
Accounting([ID4])
Auditing([ID6])
Banking([ID7])
Credit rating agencies([ID8])
Insurance([ID9])
Pension provision([ID4])
Investment management (e.g. hedge funds, private equity funds, venture capital funds, money market funds, securities)([ID7])
Market infrastructure operation (e.g. CCPs, CSDs, Stock exchanges)([ID6])
Social entrepreneurship([ID7])
Other([ID8])
Not applicable([ID9])
No Answer

Contributions received are intended for publication on the Commission’s website. Do you agree to your contribution being published?
(see specific privacy statement

)(contributions-publication)

		Answers	Ratio
Yes, I agree to my response being published under the name I indicate (name of your organisation/company/public authority or your name if your reply as an individual)(yes-contributions-publication)
No, I do not want my response to be published(anonymous-contributions-publication)
No Answer

1. Do you think it is necessary to have additional savings for the age of retirement compared to what state-based or occupational pensions provide? ([ID9])

		Answers	Ratio
Yes, there is need for additional savings for retirement([ID10])
No, the state-based and occupational pension will be sufficient([ID11])
I don't know([ID12])
No Answer

2. How do you save for retirement?
(multiple choices are possible)([ID13])

		Answers	Ratio
I use a savings account([ID10])
I contribute to a personal pension product from my bank/insurer([ID11])
I contribute to a pension provided by my employer([ID12])
I invest in other type of financial instruments/products([ID14])
I invest in real estate([ID15])
I count on my state pension([ID16])
I do not save for retirement([ID2])
Other way to save for retirement([ID3])
No Answer

3. Have you ever purchased a personal pension product?([ID19])

		Answers	Ratio
Yes([ID10])
No, but I am considering it([ID11])
No, I am not interested([ID12])
No Answer

4. If yes, how did you purchase your personal pension product?([ID20])

		Answers	Ratio
It was offered by my bank/insurer([ID10])
It was offered by my tax adviser([ID11])
I looked for professional advice([ID12])
I used a comparison website([ID14])
I followed the advice of friends/family([ID15])
I followed government advice([ID16])
I followed advice from a consumer organisation([ID21])
Other way to purchase the personal pension product([ID2])
No Answer

5. If not, what are the reasons you do not invest in a personal pension product?([ID22])

		Answers	Ratio
The fees for a personal pension product are too high([ID10])
I count on my state-based and occupational pension([ID11])
I invest in other types of financial instruments/products([ID12])
I have no funds available for any personal pension savings([ID14])
I don't think tax incentives are sufficient([ID15])
I cannot take it abroad([ID16])
I am not aware of any pension savings products([ID21])
Any other reason([ID23])
No Answer

6. Are you aware of the annual fees you pay for your personal pension product?([ID25])

		Answers	Ratio
Yes, I am aware of the amount of fees I pay([ID10])
No, I do not know the fees I pay([ID11])
I am not interested in fees([ID12])
No Answer

7. Do you know what the return on your investment has been over the last two years?([ID26])

		Answers	Ratio
Yes, I am aware of the return on my pension product([ID10])
No, I do not know the return([ID11])
I am not interested in the return([ID12])
No Answer

8. Have you recently received information, about the total amount of the benefits you are likely to get once you reach retirement age?([ID27])

		Answers	Ratio
Yes, I receive information on a regular basis([ID10])
No, I do not receive any information([ID11])
I am not interested([ID12])
No Answer

9. How would you describe your overall level of satisfaction on the choice of personal pensions available to you?([ID28])

		Answers	Ratio
Very satisfied([ID10])
Satisfied([ID11])
Not very satisfied([ID12])
Not satisfied at all([ID29])
I don't know([ID30])
No Answer

10. Have you already purchased a personal pension from a provider coming from another Member State in the last three years?([ID31])

		Answers	Ratio
Yes, I have purchased a personal pension from another EU Member State([ID10])
No, I have not purchased a personal pension from another EU Member State([ID11])
No, I have not purchased a personal pension from another EU Member State but I would consider it([ID12])
No Answer

11. Are simple and affordable personal pension products which provide good returns available in your country?([ID12])

		Answers	Ratio
Yes, such products are available in my country([ID10])
No, such products are not available in my country([ID11])
No opinion([ID12])
No Answer

12. If such products were available under an EU personal pension framework, would you consider investing in them? ([ID14])

		Answers	Ratio
I am interested in such a product([ID10])
I prefer investing in other savings products([ID11])
I am not interesting in saving for retirement([ID12])
I don't know, I can't decide what to buy([ID39])
Other([ID41])
No Answer

13. How would you consider buying this product?
(multiple options allowed)([ID16])

		Answers	Ratio
Online, provided advice is offered([ID10])
Online, even without advice([ID11])
Face-to-face only([ID12])
From my investment/tax professional([ID21])
From a new provider([ID23])
From an insurance company or broker([ID29])
I don't know where to buy such products([ID43])
Other([ID50])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : Clear information about fees, for example for administration, transactions, exit of the product([ID63])

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

14. What information would you highlight as the most relevant in your decision to invest in personal pensions? (Please tick the appropriate field, only one choice is allowed per category of reply) : The possibility for a degree of flexibility in the contributions - for example allowing temporary interruptions of the contributions in specific situations (e.g. unemployment) while preserving the rights matured([ID73])

		Answers	Ratio
Not at all important([ID57])
Rather unimportant([ID58])
Fairly important([ID59])
Very important([ID60])
No opinion([ID61])
No Answer

15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Information about costs and fees([ID40])

		Answers	Ratio
Before signing up to a product([ID35])
Periodically after signing up to a product([ID36])
Before signing up to a product and periodically afterwards([ID37])
Not necessary to provide this information([ID24])
No Answer

15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Available investment options([ID44])

		Answers	Ratio
Before signing up to a product([ID35])
Periodically after signing up to a product([ID36])
Before signing up to a product and periodically afterwards([ID37])
Not necessary to provide this information([ID24])
No Answer

15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : The return on my investment([ID45])

		Answers	Ratio
Before signing up to a product([ID35])
Periodically after signing up to a product([ID36])
Before signing up to a product and periodically afterwards([ID37])
Not necessary to provide this information([ID24])
No Answer

15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Information about the past performance of the product([ID46])

		Answers	Ratio
Before signing up to a product([ID35])
Periodically after signing up to a product([ID36])
Before signing up to a product and periodically afterwards([ID37])
Not necessary to provide this information([ID24])
No Answer

15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Tax relief provided([ID47])

		Answers	Ratio
Before signing up to a product([ID35])
Periodically after signing up to a product([ID36])
Before signing up to a product and periodically afterwards([ID37])
Not necessary to provide this information([ID24])
No Answer

15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : Level of protection provided on my savings (guarantees)([ID48])

		Answers	Ratio
Before signing up to a product([ID35])
Periodically after signing up to a product([ID36])
Before signing up to a product and periodically afterwards([ID37])
Not necessary to provide this information([ID24])
No Answer

15. At what stage should information be provided? (Please tick the appropriate field, only one choice is allowed per category of reply) : A benchmark to assess the product's performance, safety and simplicity([ID49])

		Answers	Ratio
Before signing up to a product([ID35])
Periodically after signing up to a product([ID36])
Before signing up to a product and periodically afterwards([ID37])
Not necessary to provide this information([ID24])
No Answer