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Vad påverkar det privata pensionssparandet?: en kvantitativ studie angående den minskade avdragsrätten 2015
Kristianstad University, School of Health and Society.
Kristianstad University, School of Health and Society.
2015 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Syfte: Syftet med denna uppsats är att hitta samband mellan de demografiska faktorerna och en förändring i det privata pensionssparandet år 2015.

Teoretisk och empirisk metod: Forskningsstrategin för denna studie har varit av kvantitaiv form, med en hypotetisk deduktiv ansats. En enkätundersökning låg till grund för insamling av empirin i denna forskning. Målgruppen för respondenterna var mellan 20-65 år, då det anses till största del vara dessa som pensionssparar. Enkäten bestod till största del utav frågor med alternativ som respondenterna fick fylla i.

Resultat och Slutsats: Resultatet av denna forskning visar hur vissa av demografiska faktorer påverkar personers privata pensionssparande och även hur de agerat efter förändringen av avdragsrätt. De demografiska faktorer som kan påvisas påverka är en persons ålder och inkomst. Det fanns ett positivt samband mellan stigande ålder och summa pensionssparande och stigande inkomst och summa pensionssparande. Åldern och inkomsten sågs även påverka hur individer valde att ändra pensionssparandet efter ändringen i avdragsrätt.

Abstract [en]

Purpose: The purpose of this paper is to find connections between demographic factors and a changing of the reduced deductibility year 2015.

Theoretical och empirical method: The strategy for this empirical study has been in a quantitative shape with a deductive approach. A survey has been formed to collect the empirical material. The target group for this study has been individuals between 20-65 years old, because these are the people that should be saving for their retirement. The questionnaire was for the most part filled with beforehand given answers that the individual chose the answer that they felt represented themselves.

Conclusion: The results of this paper shows how some of the demographic factors has an impact on how an individual acts when they are saving for their retirement and that there is some differences on how they have act after the reduced deductibility. The two factors that have an impact is a person’s age and their level of income. Where people in a higher age and with a higher income will save more for their retirement then others. People with a higher income and a higher age will have change their retirement plan after 2015.

Place, publisher, year, edition, pages
2015. , 73 p.
Keyword [en]
Rational behavior, Behavioral Finance, Demographic factors
Keyword [sv]
Rationellt beteende, demografiska faktorer
National Category
Economics and Business
URN: urn:nbn:se:hkr:diva-14659OAI: diva2:855883
Educational program
Degree of Bachelor of Science in Business and Economics
Social and Behavioural Science, Law
Available from: 2015-10-26 Created: 2015-09-22 Last updated: 2015-10-26Bibliographically approved

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