Enlarging freedom of choice: pension reforms in the Nordic countries and Germany
In the first decade of the twenty-first century, a number of factors are pushing for more freedom of choice in pension provision. First, faced with the challenge of adjusting national pension systems to a changing economic and demographic environment, the elites in politics, media and epistemic communities are calling for reducing state and collective solutions and, consequently aim at transforming passive citizens into active consumers (Gillion et al. 2000; Queisser 2001). These elites are ideologically committed to freedom of choice as a value in itself.