Confidence In Long-Term Financial Decision Making - Case Of Pension System Reform In Poland

• Autorzy: Mariusz Kicia

Warianty tytułu

Pewność w podejmowaniu długoterminowych decyzji finansowych na przykładzie reformy systemu emerytalnego w Polsce

• Języki publikacji: EN

Abstrakty

EN

W związku z reformą systemu emerytalnego w 2014 roku Polacy stanęli przed koniecznością podjęcia decyzji o dalszym sposobie gromadzenia zabezpieczenia emerytalnego. Na podstawie wyników ankiety przeprowadzonej w czerwcu 2014 roku wśród pracowników Uniwersytetu Marii Curie-Skłodowskiej wskazano na różnice w pewności pomiędzy osobami, które podjęły wcześnie decyzję i tymi, którzy zwlekali z jej podjęciem. Pewność decyzji zależała od sposobu jej podjęcia: wyższą cechowały się osoby, które deklarowały, że podjęły decyzję samodzielnie, następnie osoby, które skorzystały z opinii ekspertów, najniższą osoby korzystające z opinii znajomych i rodziny i te, które nie wierzyły, że decyzja cokolwiek zmieni. Pewność silnie rosła z lepszą oceną siebie na emeryturze oraz w przypadku osób aktywnych w zakresie oszczędności emerytalnych: oszczędzających w III filarze lub tych, które przynajmniej oszacowały swoje potrzeby emerytalne. Mężczyźni byli też bardziej pewni swoich decyzji niż kobiety(original abstract)

Due to the 2014 reform of the Polish pension system, Poles were faced with an important decision regarding continued saving for retirement. Based on results of a survey administered in June 2014 to employees of the Maria Curie-Skłodowska University, it was demonstrated that there were differences in confidence between those who had made early decision and those who had procrastinated in deciding. Confidence was also dependent on the decision pattern they followed: higher confidence was indicated in the case of individuals making decisions themselves, or with supporting financial advisors, and lower confidence appeared in those making decisions with the help of family, friends and other informal experts, as well as those left without any support. Confidence also rose strongly with better self-assessment of expected retirement status and amongst those saving for retirement with voluntary instruments, actively calculating their future needs. Men were also much more confident than women(abstrakt oryginalny)

Słowa kluczowe

EN

Behavioural finance; Personal finance; Pensions

PL

Finanse behawioralne; Finanse osobiste; Emerytury

• Czasopismo: Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu
• Rocznik: 2016
• Numer: nr 428 Wrocław Conference in Finance: Contemporary Trends and Challenges
• Strony: 117--127

Twórcy

autor

Mariusz Kicia

• Maria Curie-Skłodowska University in Lublin

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Identyfikatory

DOI

10.15611/pn.2016.428.10