Years to spend. Older people facing savings and investments (1995)

To date, the problems associated with demographic ageing have not been effectively addressed because there has been a lack of a consistent political approach to the issue. Only the social security and health systems crisis has succeeded in seriously attracting the attention of those who had continued to see the elderly as a subject in need of assistance, which absorbs resources, a weak actor, and not, instead, as a resource, as an asset. So it was mainly economic and financial motivations that moved the problem to the forefront of the political debate.

This research is intended to serve as an initial cognitive basis for analysing the economic and social effects of the progressive ageing of society. The study wanted to focus on the ‘economic status’ of the elderly person by observing the crucial indicators for a critical reformulation of social identity, namely consumption, income and savings.



Chapter 1
From consumption to saving
On the concept of saving
The Income of Older People
Why does the elderly person save? And invest?
Italians, a people of savers
Vademecum for savers
B.O.T. (Ordinary Treasury Bills)
C.C.T. (Certificates of Credit of the Treasury)
C.D. (Certificates of Deposit)
Mutual funds
Destination of savings: house purchase
Bare ownership
A danger in recent times: the Ecu
The elderly: an attractive and sought-after customer
A Mix of Banking and Insurance Products

Chapter Two
From the Welfare State to Do It Yourself
The Supplementary Pension Plan
The insurance boom

Chapter 3 Insurance
Crisis of the pension system
Civil servants’ pensions
State Employees’ Pensions
Savings to be made from pension reforms and other cyclical interventions
Pension System Reform
The press and the world of the “elderly”

Summary Document

The economic situation of the elderly

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