Study realised by Elsa Fornero (University of Torino, CeRP), Mariacristina Rossi (University of Roma, CeRP) and Claudio Morana (University of Turino)

Projec conducted by the OEE, the CEPS (Centre for European Policy Studies) and the PFRC (Personal Finance Research Centre, Université de Bristol) for the European Commission Directorate-General for Employment, Social Affairs and Equal Opportunities
For more informatio,, consul the European Commission Directorate-General website : Employment, Social Affairs & Inclusion