The Need for Flexible Take-ups of Home Equity and Pension Wealth in Retirement

Jori Arts, Eduard Ponds

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Abstract

This paper analyzes for the Netherlands the need to introduce flexible take-ups
of home equity and pension wealth, complementary to recent reforms in Dutch
pensions and mortgages. The young may gain from supplementing a possible
pension shortfall with additional retirement income from reverse mortgage contracts. The elderly may benefit of the innovation of partial lump sum of accrued
pension rights in order to partly redeem mortgage debt, whilst maintaining an
adequate net replacement rate from pensions.
Original languageEnglish
Place of PublicationTilburg
PublisherNETSPAR
Number of pages36
Publication statusPublished - 15 Jan 2016

Publication series

NameNetspar Discussion Paper
Volume01/2016-005

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  • Cite this

    Arts, J., & Ponds, E. (2016). The Need for Flexible Take-ups of Home Equity and Pension Wealth in Retirement. (Netspar Discussion Paper; Vol. 01/2016-005). NETSPAR.