In light of demographic change and the growing problems of traditional old-age security systems, this book discusses two essential instruments in connection with privately providing for old-age security: (1) savings in private pension schemes and (2) building up equity for home-ownership. Further, it assesses the relationship between the two instruments and offers a unique overview of the latest market developments.

In order to represent the profound differences between the individual member states of the EU, this book features six country-specific studies – covering Germany, Hungary, Ireland, Italy, the Netherlands and the United Kingdom – that provide detailed insights into the complexity of local private pension schemes, mortgage markets, and housing markets. Lastly, the book discusses public policies and fiscal incentives intended to better integrate residential property with private pensions. It will appeal to both, private households seeking to build up old-age security, as well as policy makers interested in providing secure pension schemes. 

PART I   OLD-AGE SECURITY AND HOMEOWNERSHIP IN THE EU – AN OVERVIEW.- Personal Pensions and Homeownership in the EU – an Overview (Martina Eckardt, Andrássy University Budapest, Hungary).- Old-Age Poverty and Residential Property in the EU – An Analysis with the EU-SILC 2014 Data (Eszter Megyeri, Andrássy University Budapest, Hungary).- PART II             WELL-DEVELOPED MARKETS FOR PRIVATE PENSIONS AND HOMEOWNERSHIP.- Holding on and Letting Go in Ireland - Examining the Policy and Fiscal Environment for Supplementing Retirement Income from Residential Property (Yogesh Jaiyawala, John Maher, Richard Burke, Sean Byrne, Waterford Institute of Technology, Ireland.- Dutch Pensions and Housing: Towards a Social Divide (Marietta E.A. Haffner, Delft University of Technology, Netherlands).- Pensions, Housing and Mortgage Markets in the United Kingdom (Tripti Sharma, Donal McKillop, Declan French, Queen’s Management School, Queens University Belfast, UK).- PART III COUNTRIES WITH A HIGH DEGREE OF HOMEOWNERSHIP, BUT A RATHER LOW DEGREE OF PRIVATE PENSIONS.- Italy: an Ageing Country with Low Level of Private Pension Schemes but High Home-Ownership Rate (Pierluigi Murro, LUMSA University Rome, Italy and Flaviana Palmisano, University of Rome La Sapienza, Italy).- My Home is My Castle? Sustainability of Private Pensions and Private Homeownership in Hungary (Jörg Dötsch, Martina Eckardt, Eszter Megyeri, Andrássy University Budapest, Hungary).- PART IV       COUNTRIES WITH A LOW DEGREE OF HOMEOWNERSHIP AND A LOW DEGREE OF PRIVATE PENSIONS.- Germany: Ageing Economy with Rising Pension Gap, Stable Mortgage Market and Well-Developed Rental Market (Sebastien Clerc-Renaud, Dirk Ulbricht, Institut für Finanzdienstleistungen Hamburg, Germany and Doris Neuberger, University of Rostock/ Institut für Finanzdienstleistungen Hamburg, Germany)