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Pension reform in Europe : when will it make a difference? : the Spanish case

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      <subfield code="a">Government and individuals must take urgent decisions about the future of pensions -- Spain : state pensions -- Population distribution by age groups -- Dependency ratios and age-related expenditure -- Private pension funds -- Evolution of maximum allowed yearly contributions into private pension funds -- Pension funds evolution : amounts and participants -- The Toledo Agreements -- Externalisation of corporate pension commitments -- Life insurance and pension funds as a % of GDP in Europe's 5 largest economies -- Evolution of private retirement savings in Spain -- Breakdown of investmens backing retirement assets -- Tax treatment of savings in Spain -- The "Lagares" fiscal reform proposal -- Questions for the future -- Under any scenario, MAPFRE is  extremely well positioned -- MAPFRE-managed long-term savings -- Caja Madrid-managed long-term savings -- MAPRE vs Spanish asset managers -- Appendix : MAPFRE Vida figures; tax treatment of savings in Spain; MAPFRE distribution network in Spain - year 2001</subfield>
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