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1 NIRA NIRA Case Study Series No AB National Institute for Research Advancement Yebisu Garden Place Tower,4-20-3, Ebisu.Shibuya-ku,Tokyo ,Japan

2 NIRA NIRA NIRA (

3

4 : : : :

5 1 (2007 ) 2004 (2004) orange kuvertorange envelope

6

7

8 Sweden has got a new Pension System von Zweigbergk(2005) 11

9 Your whole life counts You can get your pension in three ways 2002 ( ) von Zweigbergk(2005). 2003

10 This year your The Average Swede The carrot pedagogy Orange Envelope contains something extra valuable has got SEK on his pension account ( ) von Zweigbergk(2005) (2003)

11 PPM inheritance gains (PPM)

12 Min Pension My Pension

13 von Zweigbergk(2005). 2003

14 von Zweigbergk(2005). Sundén(2003, pp.15-16) ( )(1) (2)

15 Social Security Statement ( ) (2004) / 18

16 ( )

17 ( ) ( ) ( ). 11 ( )

18 2005 ( )

19 (1) (2)

20 22 58 (1)(2)(3) (4)

21 ( )

22

23 50 50 (1) (2) (3) 50 (2006a) (1) (2) (3) (1) (2) (3) (2006b)35

24 2004 (2006a,2006b) (2005)

25

26 () () = 2

27 PPM : (%) (kr) (kr) (kr) (kr) (%) AMF 10 82, , , , ,5305 5, , , AMF 30 45, , (kr) (kr)(%) (kr) PPM 3

28 : 4

29 5

30 () () = : 6

31

32

33

34

35 Scherman,Karl Gustaf, 1999, The Swedish pension reform, Issues in Social Protection-Discussion Paper 7, ILO. Sundén, Anika, 2003, How much do people need to know about their pensions and what do they know?, Working Paper prepared for Conference on NDC Pensions. von Zweigbergk, Amelie, 2005, Pension campaign in Sweden ,K.G : a

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37 NIRA Case Study Series No AB (5448)1735

1 2 2005 1983 1 ()1984 2 1947 1950 19791996 1

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