The National Bank of Denmark published Working Paper No. 216 linking evidence from retirement saving and mortgage refinancing decisions and finds that people who are inactive in one context are not systematically inactive in another, implying the economic costs of inaction are not concentrated among specific groups.
National Bank of Denmark 2025-09-11
National Bank of Denmark working paper finds financial inaction does not consistently carry across mortgage and retirement decisions
The National Bank of Denmark's Working Paper No. 216 reveals that individuals inactive in retirement saving are not consistently inactive in mortgage refinancing, suggesting that economic costs of inaction are not confined to specific groups.