Magistro baigiamajame darbe išanalizuoti asmeninių finansų valdymo metodai, kurie išsaugo kaupiamųjų piniginių atsargų perkamąją galią ilguoju laikotarpiu. Teorinėje darbo dalyje pateikiama asmeninių finansų samprata bei pinigų vertės išsaugojimo galimybės. Metodinėje dalyje pateikiama asmeninių finansų valdymo ir investavimo analizė bei išanalizuotos finansinės priemonės, kurios išlaiko piniginių atsargų vertę. / Master`s thesis analyzes personal finance management techniques that preserve purchasing power of cumulative cash reserve in the long run. The theoretical part presents personal finance management and investment analysis, deals with the financial instruments, which keep the value of cash reserves.

Made available in DSpace on 2016-06-02T20:38:26Z (GMT). No. of bitstreams: 1 4111.pdf: 864627 bytes, checksum: c73483f9749a0c65397c4e9237b97317 (MD5) Previous issue date: 2011-11-25 / Financiadora de Estudos e Projetos / The Brazilian economic scenario at the beginning of the twenty first century presented a reasonable growth of the stock market. The Brazilian capital market reached impressive valuations. The growth of this scenario is strongly linked to and popularized by financial self-help market, which involves books and lectures that are elaborated by financial advisor. This research aims to analyze and to map these agents and their strategies employed to invite new individuals to markets circuits, encouraging them to become investors. However, it was possible to verify a cultural niche , embeddedness in a familialism ethic. Thus, it evidence that the financial world have been gained legitimacy because it has operated as a kind of moral device, being recurrent in the neopentecostal pastors speeches, and through financial education, it conducts social policies that reached low-income sectors, bringing cognitive and symbolic implications for the Brazilian society. / Estudos recentes demonstram a importância do desenvolvimento e do crescimento do mercado financeiro no Brasil, ao mesmo tempo em que se assiste à explosão do mercado da autoajuda financeira, que envolve palestras e a vendagem de livros elaborados por consultores financeiros. Estes, por sua vez, ensinam que os verdadeiros investimentos e o caminho para a independência financeira são aqueles realizados, mais especificamente, no mercado acionário. Esta pesquisa visa a analisar o avanço das finanças no país por meio do mapeamento dos agentes responsáveis pela sua expansão, bem como as estratégias empregadas na tentativa de atrair novos indivíduos para os circuitos dos mercados, estimulando-os a se tornarem investidores. Entretanto, no decorrer do trabalho, foi possível observar a existência de um nicho cultural conduzido por uma segunda natureza e configurado pela ética do familialismo. Assim, constata-se que o mundo das finanças ganha legitimidade ao atuar como uma espécie de moralizador de indivíduos e famílias, tornando-se recorrente nas palavras de pastores de igrejas neopentecostais; e, por meio da educação financeira, esse mundo das finanças leva à criação de políticas sociais realizadas tanto pela esfera pública como pela privada, adentrando setores de baixa renda e trazendo implicações simbólicas e cognitivas para a sociedade brasileira.

BAKGRUND: Samtidigt som företag och finansiella institutioner idag har utvecklat avancerade Asset Liability Management-verktyg för att proaktivt hantera sina risker och planera framtida kassaflöden, så baseras dagens privatekonomiska rådgivning fortfarande på traditionella tillgångsallokeringsstrategier och enkla tumregler. Tidigare forskning menar på att liknande ALM-verktyg skulle kunna generera mervärde även för privatpersoner om de implementerades i praktiken, men vad de privata spararna själv tycker i frågan är hitintills outforskat. Trots detta kvarstår faktum att endast om privatpersonen själv ställer sig positiv till verktyget kan teori med fördel implementeras i praktiken. SYFTE: Studiens syfte är att undersöka och analysera den privata spararens inställning och kapacitet att ta till sig rådgivning baserat på ALM, och se om ett ALM-verktyg kan skapa mervärde i den privatekonomiska rådgivningen. GENOMFÖRANDE: Studien har utförts genom kvalitativa intervjuer med 10 privatpersoner. Författarna har skapat scenarier för en fiktiv person, där en ALM-analys visuellt har presenterats under intervjuerna. Genom att ställa frågor kopplade till scenarier har studien kunnat analysera privatpersonens vilja till att delge och förstå den information en ALM-analys genererar, samt dess inställning till att proaktivt planera sin ekonomiska framtid. SLUTSATS: Studien visar att ALM största mervärdesskapande för den privata spararen återfinns i privatpersonens intresse för att visualisera sin ekonomi. En bristande riskförståelse i kombination med en tydlig avsaknad av ekonomiska ambitioner hos den privata spararen försvagar dock verktygets användningsområde. Vidare behöver ALM-verktyget övervinna flertalet begränsat rationella beteenden och förtroendeaspekter för att skapa mervärde ur en privatpersons perspektiv. / BACKGROUND: Companies and financial institutions have developed advanced tools based on the theories of Asset Liability Management with purpose to proactively manage risks and plan future cash flows. At the same time, private financial advising of today is still based on traditional asset allocation methodologies and rules of thumbs. Previous research concludes that similar ALM-tools could add value for private investors in the financial advising, but the private investors’ perspective in the matter is still unexplored. The fact remains that only if the private investors are convinced that ALM can add value, can a tool with theoretical advantages be successfully implemented in practice. AIM: The aim of this thesis is to test and analyze the individual investors’ attitude and capacity to understand private financial advising based on ALM as methodology, and analyze whether an ALM tool adds value in private financial advising. COMPLETION: The thesis has been conducted by ten individual interviews in a qualitative manner. The authors have created a fictitious ALM-analysis that has been presented for all of the respondents. By asking questions connected to scenarios, the study have been able to analyze the individuals’ attitude to share and receive personal information, as well as their attitude to proactively plan their financial future. CONCLUSION: The study concludes that the biggest value-creating aspect of ALM is that individuals show a great interest in visualizing their own financial future. However, a financial illiteracy in combination with a lack of clear-cut financial ambitions, weakens the ALM-tools area of use for the individual. Furthermore, ALM need to overcome barriers in individuals limited rational behavior and simultaneously create a strong trust to maximize the value-creation for the individual.

We are living in the era of financial uncertainty and high volatility on financial markets. According to some experts, these circumstances will have a significant impact on the investment conventions of Czech investors in the future. Economists are afraid of even stronger conservatism and skepticism on the field of investment tools. The gab between the yield of Czech and American or Australian family portfolio will be most probably deepen thanks to this. My master thesis has the goal to briefly define financial products which are available for Czech investors. Furthermore I also explain reasons of significant differences between the average portfolio of assets and credits of Czech, eastern and western European family.

Det här är ett examensarbete som avhandlar ämnet privatekonomi och unga, i detta abete definieras unga som personer mellan 16 - 21 år. Arbetet har utförs med kvalitativa och kvantitativa undersökningsmetoder. Samarbetspartners i projektet är Malgomajskolan i Vilhelmina, Dragonskolan i Umeå samt Järfälla Gymnasium i Järfälla. Resultatet är ett mobilt gränssnitt som hanterar och visualiserar tillgångar, sparande och betalningar med ambitionen att öka engagemanget och inspirationen kring ämnet privatekonomi. / This is a degreework that touches the subject of matters of personal finance for young people, in this thesis young persons is defined as people aged 16 -2. This thesis has been carried out with both qualitative and quantitative research methods. Collaboration partners are Malgomajskolan in Vilhelmina, Dragonskolan in Umeå and Järfälla Gymnasium in Järfälla, all located in Sweden. The result is a mobile application that handles and visualises assets, savings and payments with the aspiration of increasing engagement and sense of inspiration for personal finance.

Este libro facilita la toma de decisiones financieras, a nivel individual, ya que explica en qué consiste la gestión de los ingresos, el presupuesto, el ahorro y el gasto del dinero en el tiempo. También se explica el adecuado manejo de los ingresos en situaciones cotidianas y excepcionales como el financiamiento de propiedades o eventos, la contratación en un centro de trabajo, la compensación de tiempo de servicios, entre otros. / This book eases financial decision making at an individual level as it explains what income management, budget, savings and money expense over time are. It also explains the appropriate income management for everyday and exceptional situations, including real-estate or event financing, hiring in the workplace, severance indemnity, and others.

This study compares the financial knowledge of Korean (N = 1006) and German (N = 1346) university students. The country-specific adaptations of the US-American Test of Financial Literacy was used to assess financial knowledge. Financial knowledge can be divided into three areas (everyday money management; banking; insurance). German students show a slightly higher knowledge of everyday money management and insurance. Korean students tend to be stronger in the area banking. The paper examines the impact of gender on financial knowledge and the role of financial information gathering. A gender difference is determined in Germany, but not in Korea. Male students in Germany score higher than female students. An analysis of variance shows that Korean as well as German students who inform themselves more frequently about financial topics achieve a higher financial knowledge score. The article shows that it is possible to validly measure financial knowledge in Germany and Korea, which have different economic systems.

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Financial stress is a condition that is becoming more prevalent in today’s society. Factors such as high debt levels, low savings and economic recessions all contribute to the financial stress experienced by people across all nations. Research has found that financial stress negatively affects employees’ performance at work. Quality employees play a vital role in the success of a business. As a result, employers should strive to ensure employees’ well-being. With these increasing pressures on personal finance and its interference on work, should management attempt to improve employees’ financial well-being? Management needs to be convinced that their actions can improve their employees’ financial well-being. This study established and measured the relationship that the subjective measures financial efficacy and satisfaction with remuneration have on personal financial well-being. A sample size of 9 057 employees from different sectors in South Africa was used. Data was analysed using Pearson correlation coefficients and multiple regression analysis. Three hypotheses were tested. Hypothesis 1: There is a relationship between satisfaction with remuneration and personal financial well-being. Hypothesis 2: There is a relationship between personal financial well-being and personal financial efficacy. Hypothesis 3: Personal financial efficacy moderates the relationship between satisfaction with remuneration and personal financial wellbeing. The study found that all three hypotheses were supported. Personal financial efficacy and satisfaction with remuneration were found to have a large positive relationship with personal financial well-being. The study also established that the relationship between satisfaction with remuneration and financial well-being was stronger in people with higher personal financial efficacy. It is argued that management can intervene with employees’ financial well-being by improving financial efficacy through financial literacy education and by improving their satisfaction with remuneration. / MCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014