Cautiously optimistic?

UK households' perceptions of old age, retirement and the role of housing equity

Anwen Jones (Author), Mark Bevan (Author), Deborah Quilgars (Author)

Abstract

The paper explores UK home owners' expectations of income and care in older age and their views on using housing equity. Findings suggest a lack of confidence in the ability of the state to provide adequate retirement income and care. Most households were confident that they could build sufficient savings and assets to meet their needs. Younger respondents were more willing to consider drawing on housing equity than older people, however, they too were suspicious of equity release products. Overall, people tended to favour downsizing over other options as they wished to retain a property to bequeath to their children.

Keywords

Stanovanjsko vprašanje;Lastništvo;Starostniki;Socialna varnost;Velika Britanija;

Data

Language:	English
Year of publishing:	2010
Typology:	1.01 - Original Scientific Article
Organization:	UL FDV - Faculty of Social Sciences
UDC:	316.334.54-053.88(410)
COBISS:	29740637
ISSN:	0040-3598
Parent publication:	Teorija in praksa
Views:	244
Downloads:	65
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	Slovenian
Secondary title:	Previdno optimistični? Kako britanska gospodinjstva gledajo na starost, upokojitev in vlogo stanovanjskega premoženja?
Secondary abstract:	Prispevek preučuje, kaj britanski lastniki stanovanj pričakujejo glede dohodka in oskrbe v starosti in kako gledajo na uporabo stanovanjskega premoženja. Izsledki nakazujejo pomanjkanje zaupanja v sposobnost države, da bi poskrbela za ustrezen pokojninski dohodek in oskrbo. Člani večine gospodinjstev so prepričani, da bodo lahko zbrali dovolj prihrankov in sredstev, da bodo zadostili svojim potrebam. Mlajši vprašanci so bili bolj pripravljeni pretehtati možnost izkoriščanja stanovanjskega premoženja kot starejši, bili pa so prav tako nezaupljivi do instrumentov za sprostitev stanovanjskega premoženja. Na splošno so bili ljudje med vsemi opcijami najbolj naklonjeni preselitvi v manjše stanovanje, saj želijo premoženje obdržati in ga zapustiti otrokom.
Secondary keywords:	Housing question;Ownership;Older people;Social security;Great Britain;
Type (COBISS):	Not categorized
Pages:	str. 994-1010
Volume:	ǂLetn. ǂ47
Issue:	ǂšt. ǂ5
Chronology:	sep.-okt. 2010
Keywords (UDC):	social sciences;družbene vede;sociology;sociologija;social structure;society as a social system;družbena struktura;družba kot družbeni sistem;globalne družbe;basic elements and subsystems of global societies as sociological categories;
ID:	1470528