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Määttänen, Niku; Valkonen, Tarmo - 2013

Elderly people could markedly increase they standard of living by releasing their housing equity. Purchase of a single-payment life annuity would increase the benefits of this release. The tax treatment of these annuities is, however, very strict in Finland, because both yield and capital are...

Persistent link: https://www.econbiz.de/10012037625

Ikääntyneiden varallisuus ja sen muuttaminen kulutukseksi

Määttänen, Niku; Valkonen, Tarmo - 2008

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...

Persistent link: https://www.econbiz.de/10010273046

Complementing Tax-financed Long-term Care with Private Insurance

Määttänen, Niku; Valkonen, Tarmo - 2020

-term care insurance would increase the benefits of housing equity release. However, there is virtually no market for such … insurance in Finland. This report illustrates the benefits of life annuities and long-term care insurance, provides example of … actuarially fair insurance pricing, and describes the conditions for this market to emerge. It argues that the government should …

Persistent link: https://www.econbiz.de/10012604534

Henkivakuutusvaje suomessa suuruusluokan arviointia yksilöaineistoilla

Ropponen, Olli; Kuusi, Tero; Valkonen, Tarmo - 2022

, the monetary losses following from the death of a breadwinner, and the life insurance gap arising as the difference of the … information between 2018 and 2020. We find that 8 % of the individuals have at least one type of term life insurance in the data …. For them the average life insurance is 73 000 €. The take up of life insurances differ between groups, and it is more …

Persistent link: https://www.econbiz.de/10014278289

Vapaaehtoinen eläkesäästäminen tulevaisuudessa

Lassila, Jukka; Määttänen, Niku; Valkonen, Tarmo - 2007

Tarkastelemme yksityistä eläkesäästämistä Suomessa. Luotaamme tulevaisuutta arvioimalla miten lakisääteisen eläketurvan muuttuminen ja eliniän piteneminen vaikuttavat yksityisen eläkesäästämisen tarpeeseen. Tarkastelemme asiaa nuorten, hiljattain työelämään astuneiden...

Persistent link: https://www.econbiz.de/10010285037