Retirement plan participation reaches record high, but financial pressures persist
Nearly two-thirds of retirement plans now automatically enroll new participants at contribution rates of at least 4%.
Home Equity
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Saluda Grade brushes off macro concerns to bet on home equity resilience
Alternative investment firm Saluda Grade doesn’t see the interest rate environment or the current signals of consumer financial stress taking the shine off home equity assets anytime soon.
Unlock closes $358.5M home equity agreement securitization
Unlock Technologies closed a $358.5 million home equity agreement securitization, the largest HEA deal of 2026, attracting investor demand.
Achieve expands fixed-rate HELOC with $700,000 cap
Achieve raised its fixed-rate HELOC cap to $700,000 and lowered the starting APR to 5.5%, with up to 90% LTV and 50% DTI.
Fidelity data shows record retirement savings, rising Roth adoption
Combined employer and employee contributions for 401(k) savers hit 14.4%, approaching Fidelity’s suggested 15% target.
Pennsylvania lawmakers set to vote on home equity investment regulations
House Bill 2120 would place shared appreciation agreements under the same statutory safeguards as other home-secured financial products.
Home equity cap tied to Medicaid eligibility is set to change
New Medicaid rule will cap home equity at $1 million for long-term care eligibility beginning in 2028, potentially affecting senior homeowners.
As HEI regulations expand, states debate loan classification
State HEI legislation is expanding as Maine sets standards, Illinois updates licensing and other states debate whether HEIs are loans.
As retirement costs surge, more homeowners turn to their equity
65-and-older households now spend about $122,000 annually, compared with roughly $60,000 in 2000, according to survey data.
Retirees counting on home equity may face financial shortfalls
Financial advisers and housing experts warn that many older homeowners may be counting too heavily on their homes as retirement safety nets.