---
title: "Vapaaehtoinen eläkesäästäminen tulevaisuudessa"
authors:
  - name: "Lassila, Jukka"
    url: "https://www.etla.fi/henkilot/lassila-jukka/"
  - name: "Määttänen, Niku"
  - name: "Valkonen, Tarmo"
    url: "https://www.etla.fi/henkilot/valkonen-tarmo/"
    sameAs:
      - "https://orcid.org/0000-0001-9052-4390"
      - "https://scholar.google.com/citations?user=dNgtiMIAAAAJ"
date_published: "2007-04-19"
series: "Discussion Papers no."
series_number: "1089"
jel_codes:
  - "D14"
  - "G22"
  - "H24"
  - "J11"
language: "fi"
publisher: "ETLA Economic Research"
pdf_url: "https://www.etla.fi/wp-content/uploads/2012/09/dp1089.pdf"
keywords:
  - "yksilöllinen säästäminen"
  - "eläkevakuutus"
  - "verotuet"
identifier: "https://www.etla.fi/julkaisut/id/Discussion-Papers-no.-1089"
---

# Vapaaehtoinen eläkesäästäminen tulevaisuudessa

**Published:** 2007-04-19  
**Categories:** Publications  
**Tags:** Discussion Papers  
**URL:** https://www.etla.fi/en/publications/dp1089-en/

We analyze how changes in the mandatory pension system and the increasing life expectancy will affect the need for private retirement savings in Finland. The time horizon we consider is that of current young generations. We discuss private retirement savings from the point of view households, financial institutions, and public sector.

---

## Additional Information

**Avainsanat:** yksilöllinen säästäminen, eläkevakuutus, verotuet

**Key Words:** personal saving, pension insurance, tax subsidies

**Kirjoittajat:** Lassila, Jukka - Määttänen, Niku - Valkonen, Tarmo

**Lataa Pdf:** https://www.etla.fi/wp-content/uploads/2012/09/dp1089.pdf

**Kansikuva:** https://www.etla.fi/wp-content/uploads/2012/09/dp_cover.jpg

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