The purpose of this study was to try to understand the Swedish population regarding the perceptions of the Swedish welfare system, based on the reactions that occurred after Sweden's Prime Minister Fredrik Reinfeldt's statement about raising the retirement age. Our results demonstrate that the reactions on changes in the pension system in fact rooted in a safety factor and not the change in the pension system itself, through which the Swedish welfare system acts as a safety net for the population. Further the results shows that these safety factors create a form of egoism. With an interaction between empiricism and theory, where the starting point of the material was of an inductive approach, the material abstracted into different levels from which the result emerged. The focus of this study lies in the understanding of how human beings act according to one's need for security in major changes, which may be of importance to a comprehensive understanding of changes in social structures.

Thesis (Ph.D.)--University of Wollongong, 2007. / Typescript. Includes bibliographical references: leaf 303-338.

Thesis (Ph. D.)--University of Sydney, 2003. / Title from title screen (viewed 8 May 2008). Submitted in fulfilment of the requirements for the degree of Doctor of Philosophy to the Faculty of Economics and Business. Includes bibliographical references. Also available in print form.

Thèse (M. Serv. Soc.)--Université Laval, 2008. / Bibliogr.: f. 85-90. Publié aussi en version électronique dans la Collection Mémoires et thèses électroniques.

"Submitted in partial fulfillment of the requirements for the degree of Master of Business Administration from the Naval Postgraduate School, June 2009." / Advisor(s): Henderson, David R. ; Eitelberg, Mark J. "June 2009." "MBA professional report"--Cover. Description based on title screen as viewed on July 14, 2009. Author(s) subject terms: Military Retirement, Retirement Information Sources, Retirement Information Systems, General Military Training, Military Compensation, Defined Benefit Plan, Defined Contribution Plan, Military Pension, Military Retirement Fund, and Military Retirement Communication Modes. Includes bibliographical references (p. 73-74). Also available in print.

[pt] Em 2013, a Resolução CMN 4.275 alterou a redação da Resolução CMN 3.792 que determina as diretrizes dos investimentos dos fundos de pensão brasileiros. No âmbito dos investimentos imobiliários, um dos efeitos da nova Resolução foi a vedação imposta às entidades fechadas de previdência complementar (EFPCs) em adquirir participação superior a 25 por cento de imóvel que se encontre em fase de construção. Tal limitação desencoraja os fundos de pensão a adquirirem imóveis que não estejam totalmente construídos, uma vez que a compra de apenas 25 por cento do imóvel colocaria a entidade na condição de sócio minoritário, comprometendo sua ingerência no ativo e prejudicando aspectos de governança no imóvel. Havendo interesse na compra do ativo, vislumbra-se a possibilidade de o investidor institucional, dentro da nova regulação, adquirir uma opção de compra de percentual do ativo que lhe confira a posição de sócio majoritário, ou seja, a aquisição entre 51 por cento e 100 por cento do imóvel, com vencimento na data em que o ativo estiver construído. Dentro desse cenário, o presente estudo pretende apresentar a opção de compra como alternativa para viabilizar a aquisição desse tipo de ativo, calculando o valor justo do prêmio a ser pago por essa opção. O resultado obtido mostrou que o prêmio para aquisição de opção nos percentuais de participação majoritária varia de cerca de 1,15 por cento (para 51 por cento do imóvel) a 2,29 por cento (para 100 por cento do imóvel) do valor total do ativo o que, a nosso ver, inviabiliza a possibilidade de negócio nesse formato, pois os valores de prêmios encontrados não se mostram atrativos para o incorporador que precisa arcar com os custos da construção. Sendo assim, havendo interesse dos fundos de pensão em investir em imóveis em construção em percentual acima de 25 por cento, como limita a atual legislação em vigor, sugere-se encaminhar ao órgão regulador pedido de revisão da instrução solicitando que tal limite seja aplicado ao total de recursos do plano de benefícios em vez de considerar o valor total de um mesmo empreendimento, sob a alegação de ajustar os investimentos ao porte de cada plano de benefícios. / [en] In 2013, Resolution CMN 4,275 amended the wording of Resolution CMN 3,792, which determines the guidelines for investments of Brazilian pension funds. In the context of real estate investments, one of the effects of the new Resolution was the prohibition imposed on closed-end private pension entities (EFPCs) in acquiring more than 25 percent of the property that is under construction. Such a limitation discourages pension funds from acquiring real estate that is not fully constructed, since the purchase of only 25 percent of the property would place the entity as a minority partner, disturbing its involvement in the asset and impairing governance aspects of the property. If there is an interest in the purchase of the asset, it is possible for the institutional investor, within the new regulation, to acquire a call option in a percentage of the asset that gives it the majority shareholding position, that is, the acquisition between 51 percent and 100 percent of the property, with maturity on the date the asset is built. Within the scenario, this study, presents the call option as an alternative to enable the acquisition of type of asset, calculating the fair value of the premium to be paid by option. The result obtained showed that the premium for the acquisition of the option in the percentage of majority ownership varies from about 1.15 percent (to 51 percent of the property) to 2.29 percent (for 100 percent of the property) of the total value of the asset, in our view, makes the possibility of a business in this format unfeasible, since the values of premiums found are not attractive to the developer who has to bear the construction costs. Therefore, since pension funds have an interest in investing in real estate under construction in a percentage above 25 percent, as it limits current legislation, it is suggested that the regulatory body request a revision of the instruction requesting that such limit be applied to the total of benefit plan resources instead of considering the total value of the same enterprise, under the assumption of adjusting the investments to the size of each benefit plan.

This dissertation examines the impact of advertising self-disclosures (present versus absent) and advertising message appeals (hard sell versus soft sell) which is moderated by innate personal traits within the context of financial services advertising. In particular this study investigates the impact of self-regulatory focus (i.e. innate personal traits) on self-disclosures and advertising message appeal with regards to cognitive (knowledge), affective (attribute evaluation) and conative (buying intention) responses of retail investors. The industry concerns private retirement schemes (PRS). The theoretical framework is based on Higgins (2012) regulatory focus theory on chronic personal disposition inherent in an individual (i.e. prevention/promotion), and how this disposition might mitigate with self-disclosures and message appeal contained in advertisements in terms knowledge, attribute evaluation (i.e. attitude) and buying intention. ANOVA results from a between subjects experiment indicated that the individual regulatory orientation interacts with the effects of advertising self-disclosures and message appeals. Specifically, when exposed to hard sell advertisements with self- disclosures (soft sell advertisements with self-disclosures) perceived knowledge, attribute evaluation and buying intention towards the PRS is favorable to prevention oriented investors (promotion oriented investors). In addition the effect is greater on prevention subjects in comparison to promotion subjects. This study proposes theoretical, managerial, public policy implications and future research directions.

Submitted by Gustavo Gomes (gustavolascasas@gmail.com) on 2013-10-15T13:50:19Z No. of bitstreams: 1 Estado, burocracia e privil??gios em Minas Gerais.pdf: 5519036 bytes, checksum: 86bcebff59cd34d71069bd9e8fdfe29c (MD5) / Approved for entry into archive by Roger Guedes (roger.guedes@fjp.mg.gov.br) on 2013-10-15T17:49:38Z (GMT) No. of bitstreams: 1 Estado, burocracia e privil??gios em Minas Gerais.pdf: 5519036 bytes, checksum: 86bcebff59cd34d71069bd9e8fdfe29c (MD5) / Made available in DSpace on 2013-10-15T17:49:38Z (GMT). No. of bitstreams: 1 Estado, burocracia e privil??gios em Minas Gerais.pdf: 5519036 bytes, checksum: 86bcebff59cd34d71069bd9e8fdfe29c (MD5) Previous issue date: 1996 / Funda????o Jo??o Pinheiro / O presente trabalho prop??e-se a explicitar a estrutura complexa e heterog??nea do sistema previdenci??rio dos servidores p??blicos de Minas Gerais e a associar a sua constitui????o ao processo de diferencia????o da burocracia p??blica do estado. Procurou-se demonstrar que o arranjo institucional da previd??ncia dos servidores estaduais reflete a diversificada rede de interesses e grupos de press??o e suas capacidades de imporem ao Estado exig??ncias e privil??gios para minorias, como parte do arranjo mais geral que condiciona o jogo de poder das elites mineiras desde o per??odo imperial. Concluiu-se que o sistema de previd??ncia dos servidores p??blicos de Minas Gerais ?? fragmentado e heterog??neo, tanto no que se refere ?? forma de custeio dos benef??cios oferecidos quanto ??s regras de elegibilidade dos mesmos. O encaminhamento da quest??o previdenci??ria do servidor p??blico mineiro n??o se esgota na necessidade de equacionar o problema do crescimento acelerado do n??mero de inativos, mas requer o enfrentamento dos arranjos corporativos, que al??m de impedirem que as regras tenham um car??ter universal, desej??vel em condi????es de democracia, elevam as despesas com pessoal, sem que seja poss??vel, sequer, contabiliz??-los, devidamente. / Governo e Pol??tica

[pt] Os fundos de pensão passaram a ter importante papel como articulador estratégico no controle de grandes empresas nacionais, a partir do processo de privatização iniciado nos anos 90. Desde então, as fundações adotaram uma atitude mais ativista em relação à governança corporativa através da participação em assembleias e nos assentos dos Conselhos. O estudo sobre a relação entre a participação acionária de fundos de pensão e ganhos de governança corporativa, valor e desempenho em empresas ainda é latente quando aplicado ao Brasil. Esta dissertação tem por objetivo identificar a existência de associação entre presença de fundos de pensão e a avaliação da governança corporativa, valor e desempenho das empresas que possuem participação daqueles. No período analisado, o mercado acionário brasileiro experimentou um movimento de aumento de volume de investimentos estrangeiros, de abertura de capital das empresas e de adesão aos seus segmentos especiais de governança. Os resultados da pesquisa não permitem afirmar que há relação estatisticamente significativa entre a atuação dos fundos de pensão e as práticas de governança tampouco entre a governança corporativa e o desempenho operacional e valor das empresas participadas. / [en] Pension funds have been given an important strategic role as the articulator in control of large national companies from the privatization process started in the 90s. Since then, the foundations have adopted an activist attitude in relation to corporate governance through participation in meetings and in the seats of the councils. Research on the relationship between ownership of pension funds and gains in corporate governance, performance and value in companies is still lagging when applied to Brazil. This paper aims to identify the association between the presence of pension funds and evaluation of corporate governance, performance and value of companies. Over the last decade, the Brazilian stock market has experienced a movement of increased volume from foreign investment, increased capital investment from local companies and their adherence to special segments of governance. We do not find any significant influence that the presence of the Brazilian pension funds as relevant shareholders is associated to higher corporate governance scores neither between corporate governance and performance and value of Brazilian companies.

The aim of this study is to examine what effects the pension reforms of 1935 and 1946 had on the poor relief rates of old age pensioners, in Sweden between the years 1930 and 1950. Unlike earlierstudies the focus is on how different groups of pensioners were affected. Salonens theoreticalframework on subsistence is used, which states that an individuals subsistence is based on incomesand expenditures in relation to the market, the family and the state. Both quantitative and qualitativemethods are used. By studying governmental investigations, the study finds that the purpose of thereform of 1935 was to favor women and the urban elders, while the favored groups by the reform of1946 were the urban elders as well as elders in one person households. The 1935 reform did notaffect the favored groups notably since the pensions were too small. The larger pensions of 1946however did substantially even out the poor relief rates between different elders. After theimplementation in 1948 the difference in poor relief rates between different elders was almost nonexistent. This was due to a substantially larger drop in the poor relief rates of the urban elders aswell as amongst elders in one person households. By studying different incomes of old agepensioners, the study finds that the pensioners with the greatest need of the 1946 years largerpensions were the urban men, the rural women, as well as the one person households in both ruraland urban areas. In conclusion this study finds that the reform of 1935 was unsuccessful insupporting the more vulnerable elders, while the reform of 1946 was successful in that matter.