EAN: 9783658249540

ESSAYS ON HOUSING AND PENSIONS - THOMAS MÜLLER ...

Demographic trends put a burden on EU pension provision. As the sustainability of pension
systems is addressed by current pension reforms  lower benefit levels are projected. In this
scenario  households may want to consider supplementing their public pension income. As their
own residence is on average their most valuable asset  its transformation to income can be one
form of alleviating financial distress in old age. Thomas Müller presents research findings on
the interdependency of housing and pension wealth as well as on whether and to what extent
housing wealth is decumulated after retirement. The author emphasizes the consideration of
housing wealth in pension policies to enable European households to employ its housing asset as
an income source in old age. About the Author Thomas Müller wrote his dissertation at the Real
Estate Management Institute (REMI) at the EBS Business School. His research was motivated by
the effects of demographic changes on pension provision in the EU. He focused especially on the
allocation and liquidation of private housing wealth as a public pension supplement.

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