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Privatekonomi och finansiella tjänster: Hur klarar privatpersoner sig i den finansiella djungeln?
Linköping University, Department of Management and Engineering. Linköping University, Faculty of Arts and Sciences.
Linköping University, Department of Management and Engineering. Linköping University, Faculty of Arts and Sciences.
2011 (Swedish)Independent thesis Advanced level (degree of Master (One Year)), 20 credits / 30 HE creditsStudent thesisAlternative title
Private economy and financial services : How can people manage in the financial jungle? (English)
Abstract [sv]

Bakgrund: Den finansiella marknaden och dess tjänster har blivit alltmer komplexa under åren. Utbudet av olika produkter som exempelvis olika typer av fonder och aktier har blivit allt större. Det finns idag många olika handelsplattformar för aktier och fonder. Samtidigt som utbudet av komplexa produkter ökar, läggs mer ansvar på individen i exempelvis hantering av premiepension. Det förutsätter att konsumenten är väl informerad och tar rätt beslut. Konsumenten kan välja mellan att ta hjälp av rådgivning eller att sköta investeringar själv.

Syfte: Syftet med uppsatsen är att undersöka privatpersoners motiv gällande val av finansiella tjänster och investeringsbeslut, samt att analysera relationen mellan val av tjänster och sparmål.

Genomförande: Sjutton intervjuer har genomförts med anställda på Linköpings universitet. Urvalsgruppen består av lärare av olika slag.

Slutsats: Författarna har kommit fram till att det finns många brister hos konsumenten angående finansiella tjänster. Det saknas kunskap och tillräckligt med information, vilket gör att konsumenten inte kan utnyttja dessa tjänster optimalt. Valen av finansiella tjänster är inte alltid relaterade till sparmålen.

Abstract [en]

Background: The financial market and its services have become more complex during the years. The supply of diverse products, like different types of funds and stocks has steadily increased. Today there are plenty of different trade platforms for stocks and funds. Simultaneously as the supply of complex products is increasing, more responsibility is being placed on the individual, which can be seen in the Swedish premium pension. This assumes that the consumer is well informed and makes the right decisions. The consumer can choose between obtaining help from counseling, or handling the investments alone.

Aim: The aim of this thesis is to examine consumers’ motives behind choices of financial services and investment decisions, and to analyze the relation between choice of financial services and goals for saving.

Implementation: Seventeen interviews have been conducted with employees at the Linköping University. The selected group consists of teachers with different positions.

Result: The writers conclude that the consumers fall short, regarding financial services. They lack knowledge and enough information. The result is that consumers cannot utilize these services in an optimal way. The choices of financial services are not always related to the goals of saving.

Place, publisher, year, edition, pages
2011. , 79 p.
Keyword [en]
Financial services, funds, stocks, premium pension, financial counseling
Keyword [sv]
Finansiella tjänster, fonder, aktier, premiepension, rådgivning
National Category
Economics and Business
Identifiers
URN: urn:nbn:se:liu:diva-72889ISRN: IU-IEI-FIL-A--11/01104--SEOAI: oai:DiVA.org:liu-72889DiVA: diva2:463505
Subject / course
Master Thesis in Business Administration (Magisteruppsats i Företagsekonomi)
Uppsok
Social and Behavioural Science, Law
Supervisors
Available from: 2011-12-09 Created: 2011-12-09 Last updated: 2011-12-09Bibliographically approved

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CiteExportLink to record
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