Honekamp, IvonneIvonneHonekampSchwarze, JohannesJohannesSchwarze2019-09-192014-04-3020101478-5315https://fis.uni-bamberg.de/handle/uniba/5199engReforms in Germany: Have They Changed Savings Behaviour?articlehttp://www.palgrave-journals.com/pm/journal/v15/n3/pdf/pm201020a.pdf