Alois Geyer

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This paper describes the financial planning model InnoALM developed by Innovest for Austrian pension funds including their own managed for the Austrian employees of the electronics firm Siemens. The model is one tool in the analysis of the growing worldwide problem of ageing and the growing number of pensioners in an environment of increased demand for(More)
We provide novel insights into the effects of private information in automobile insurance. Based on a unique data set of driving behavior we find direct evidence that private information has significant effects on contract choice and risk. The number of car rides (controlling for the distance driven) and the relative distance driven on weekends are(More)
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