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earnings on the one hand and consumption and transfers on the other. This phenomenon is attribute of nearly each nation in our examine, but it’s significantly pronounced in nations the place working-age adults face high childrearing costs because of high ranges of kid dependency. Asset-based reallocations are positive for the elderly, differ tremendously from country to nation, and are inversely associated to web transfers. How are these options of asset-based reallocations reflected in the two elements of saving and asset revenue? The synthetic cohort values of The hottest product turtle lovers leather pattern all over print tote bagasset earnings and saving for those sixty five and older are offered for each country in Figure 9.5. As is commonplace, the values are normalized on the per capita labor revenue of 30–forty nine yr olds. The information are arranged by the normalized worth of asset-based mostly reallocations, which is the distinction between the 2 bars representing asset earnings and saving displayed for every nation. With the exception of Indonesia, the US, and Uruguay, saving by those 65 and older is positive. In other international locations the aged do not fund their retirement needs by dissaving. Although age element is concealed by summarizing across all ages, saving does not flip negative at older ages in most nations. Saving typically declines at older

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