This is a major decision that any one who has already take the major decision to take out an equity release policy must ask themselves in order to make sure they are getting the best out of equity release as a retirement planning service. How much equity release should you get? I think the question should be more along the lines of how much equity release do you need? Unless you truly understand how much equity release you need, then you can not really state how much you should get wisely. Otherwise you will end up with too little or too much, both of which can be catastrophic to your retirement planning.