Dr. Christian Hott is an independent economic advisor based in Dannau near Hamburg, Germany. He has over 15 years experience in conducting original research, writing reports and holding lectures in the areas of economic development, financial stability and the regulation of the financial sector.
The current low-yield environment creates a major challenge for people who have to save for retirement. At the same time, in many countries, political efforts to limit public pension obligations increase the need for retirement savings. This makes the current low-yield environment especially harmful and raises questions about the efficiency of the pension reforms. Furthermore, […]
Aging is a key force shaping our societies and the economy. Too often, the current debate on aging and demographic change narrowly focuses on the direct implications for pensions system and healthcare and neglects the broader economic implications. An understanding of the wide ranging economic implications of demographic change, however, is fundamental for insurers and […]