In the first place, they need to actually know that financial institutions offer such policies at reasonable rates, particularly for low-income clients, since the annuity value declines as the interest rates increases and rises with declining life expectancy.31 Homeowners should also feel able to deal with the red tape that converting their home equity would pose. The y-axis shows percentage reductions in the risk of poverty for the over-65s and measured with reference to the 60% of the household equivalised income drawn from the SHARE survey. Financial assets encompass deposit accounts, bonds, stocks, mutual investment funds, life insurance, and investment and financial assets that include pensions.32 Drawing on two main sources, this section analyses such financial wealth and the part it plays in adequate retirement incomes.