Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval Amsterdam

Hospitals were among the wealthiest organizations in medieval cities. Their directors managed portfolios consisting of real estate and financial instruments; as a result, they also handled large quantities of money. It has been suggested that they used these to provide a variety of financial service...

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Main Author: Zuijderduijn Jaco
Format: Article
Language:deu
Published: De Gruyter 2025-05-01
Series:Jahrbuch für Wirtschaftsgeschichte
Subjects:
Online Access:https://doi.org/10.1515/jbwg-2025-0008
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author Zuijderduijn Jaco
author_facet Zuijderduijn Jaco
author_sort Zuijderduijn Jaco
collection DOAJ
description Hospitals were among the wealthiest organizations in medieval cities. Their directors managed portfolios consisting of real estate and financial instruments; as a result, they also handled large quantities of money. It has been suggested that they used these to provide a variety of financial services and performed early banking functions. In this study I focus on the role hospitals played in allowing the general population to invest in financial instruments that could serve as old age pensions. Two hospitals in Amsterdam issued corrodies: pensions in kind that gave investors the right to lifelong board and lodging in the hospitals. They also issued life annuities: lifelong monetary pensions. Since both contract types were automatically terminated at death, they required relatively low investments and were ideal for securing an income in money or in kind during one’s final years. In this article, I will demonstrate that via the practice of issuing life annuities and corrodies, these hospitals played a central role in providing the late-medieval urban middle class with access to pensions. I will also show that thresholds for investing were sufficiently low to allow Amsterdam’s middle class to invest in both life annuities and corrodies.
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spelling doaj-art-bc91eb962dba4a6baf3bdb5c8b4786552025-08-20T01:54:18ZdeuDe GruyterJahrbuch für Wirtschaftsgeschichte0075-28002196-68422025-05-0166120523810.1515/jbwg-2025-0008Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval AmsterdamZuijderduijn Jaco0Department of Economic History, Lund University, School of Economics and Management, Scheelevägen 15, S-22363LundSwedenHospitals were among the wealthiest organizations in medieval cities. Their directors managed portfolios consisting of real estate and financial instruments; as a result, they also handled large quantities of money. It has been suggested that they used these to provide a variety of financial services and performed early banking functions. In this study I focus on the role hospitals played in allowing the general population to invest in financial instruments that could serve as old age pensions. Two hospitals in Amsterdam issued corrodies: pensions in kind that gave investors the right to lifelong board and lodging in the hospitals. They also issued life annuities: lifelong monetary pensions. Since both contract types were automatically terminated at death, they required relatively low investments and were ideal for securing an income in money or in kind during one’s final years. In this article, I will demonstrate that via the practice of issuing life annuities and corrodies, these hospitals played a central role in providing the late-medieval urban middle class with access to pensions. I will also show that thresholds for investing were sufficiently low to allow Amsterdam’s middle class to invest in both life annuities and corrodies.https://doi.org/10.1515/jbwg-2025-0008hospitalsretirement, pensionscorrodieslife annuitiesmedieval historyhospitälerruhestandpensionenpfründnerleibrentenmittelalterliche geschichten 23n 33n 83n 94
spellingShingle Zuijderduijn Jaco
Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval Amsterdam
Jahrbuch für Wirtschaftsgeschichte
hospitals
retirement, pensions
corrodies
life annuities
medieval history
hospitäler
ruhestand
pensionen
pfründner
leibrenten
mittelalterliche geschichte
n 23
n 33
n 83
n 94
title Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval Amsterdam
title_full Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval Amsterdam
title_fullStr Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval Amsterdam
title_full_unstemmed Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval Amsterdam
title_short Set for Life: Old-Age Pensions Provided by Hospitals in Late-Medieval Amsterdam
title_sort set for life old age pensions provided by hospitals in late medieval amsterdam
topic hospitals
retirement, pensions
corrodies
life annuities
medieval history
hospitäler
ruhestand
pensionen
pfründner
leibrenten
mittelalterliche geschichte
n 23
n 33
n 83
n 94
url https://doi.org/10.1515/jbwg-2025-0008
work_keys_str_mv AT zuijderduijnjaco setforlifeoldagepensionsprovidedbyhospitalsinlatemedievalamsterdam