---
title: "Ikääntyneiden varallisuus ja sen muuttaminen kulutukseksi"
authors:
  - 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: "2008-06-10"
series: "Discussion Papers no."
series_number: "1141"
language: "fi"
publisher: "ETLA Economic Research"
pdf_url: "https://www.etla.fi/wp-content/uploads/2012/09/dp1141.pdf"
keywords:
  - "varallisuus"
  - "verotus"
  - "eläkevakuutukset"
identifier: "https://www.etla.fi/julkaisut/id/Discussion-Papers-no.-1141"
---

# Ikääntyneiden varallisuus ja sen muuttaminen kulutukseksi

**Published:** 2008-06-10  
**Categories:** Publications  
**Tags:** Discussion Papers  
**URL:** https://www.etla.fi/en/publications/dp1141-en/

We study the extent to which retired households in Finland could supplement their mandatory pension benefits by releasing their equity. We also consider the tax treatment of different financial products that turn wealth into an income stream. In addition, we use a life cycle consumption-savings model to study which kind of households’ in Finland would benefit the most from life annuities.

---

## Additional Information

**Avainsanat:** varallisuus, verotus, eläkevakuutukset

**Key Words:** equity release, taxation, life annuities

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

**Lataa Pdf:** https://www.etla.fi/wp-content/uploads/2012/09/dp1141.pdf

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

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