I am a PhD student at the University of Groningen.
My research belongs to several fields, including: Household economics and Finance, Actuarial Science and Applied Microeconomics.
Specific focus topics include: Retirement, Ageing, Health, Savings, Portfolio Decisions and Insurance.
Email: m.l.de.werd@rug.nl
University webpage: https://www.rug.nl/staff/m.l.de.werd/
Last Updated on:Â 3 November 2025