Towards Pan-European pension plans

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      <subfield code="a">Growth in private financing of pensions is necessary to provide an adequate income level for employees after retirement -- The industry needs economies of scale to offer employers and employees a wider choice and more cost-efficient solutions -- The real hurdles are at national level -- The EFR supports the initiatives of the European Commission to achieve a Pan-European pension market --  Consistent implementation of the IORP Directive is essential -- Taxation is a major hurdle, but not the only one -- No further regulation without full consultation and cost-benefit analysis -- An open mind towards market dynamics is needed.</subfield>
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