The self-employment pension puzzle: Self-employed fail to fulfil their pension ambitions
When it comes to the amount of pension and the desired retirement date, self-employed and wage-employed people share the same ambitions. However, a Netspar analysis shows that the self-employed often lack, for a large part, a mandatory occupational pension. Also they save too little voluntarily, have non-substantial business equity and are vulnerable in the housing market. Therefore, they have a far lesser chance of realizing their retirement expectations.
This Netspar Brief is part of the Netspar research program ‘Housing, Health and Retirement’.
- Entrepreneurs without wealth? An overview of their portfolio using different data sources for the Netherlands, Mauro Mastrogiacomo, Rik Dillingh, Yue Li
- Where are the retirement savings of self-employed? An analysis of ‘unconventional’ retirement accounts, Mauro Mastrogiacomo, Rob Alessie
- Expected and actual replacement rates in the pension system of the Netherlands: How and why do they differ? Maarten Lindeboom, Mark van Duijn, Mauro Mastrogiacomo, Petter Lundborg