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Are Women more risk averse than men?: An analysis of the Swedish Premium pension choices
Jönköping University, Jönköping International Business School, JIBS, Economics.
2007 (English)Independent thesis Advanced level (degree of Magister), 10 points / 15 hpStudent thesis
Abstract [sv]

Huruvida män och kvinnors attityd skiljer sig åt när det kommer till risk är ett ämne som det bedrivits mycket forskning kring. Dock var det först med de indivuella premiepen-sionsvalen som det för första gången kunde undersökas från ett rättvisande urval, eftersom hela befolkningen valde och gjorde så under samma period samt med samma bakgrunds information. Med implementeringen av detta nya system kom alltså en möjlighet för varje individ att själv påverka sin pension genom de indivudella valen. Informationen som varje individ erhöll innan valen innehöll risken associerad med varje fond samt fondens ursprung, dessa två variabler testas i uppsatsens empiriska analys. Följaktligen är syftet med denna uppsats att undersöka ifall kvinnor är mindre riskbenägna än män med premiepensionsvalen som analys. Resultaten visar att det inte finns några statistiska bevis som indikerar att kvinnor är mindre riskbenägna än män när det kommer till pensionsplaceringsbeslut. Dock har fondens ursprung en större inverkan på kvinnor än den har på män. Eftersom kvinnor visar en tendens att vara mer benägna att investera i Svenska fonder. Detta kan dock påverkas av faktorer som t.ex. vilken sektor man är anställd i. De erhållna resultaten gör att jag kan instämma med tidigare forskning som hävdar att det inte finns bevis som indikerar att kvinnor är mindre riskbe-nägna än män.

Abstract [en]

The subject of men and womens attitude difference towards risk has been thoroughly dis-cussed in previous research. However, with the individual allocation choices came an op-portunity to study this subject and to draw conclusions from a fair and representative sample for the first time. The reason is that the entire population choose and did so at ap-proximately the same time, and were given access to the same information prior to choos-ing. With this new system came therefore the opportunity for each individual to invest a portion of their pension. The information, distributed to each individual prior to choosing, contained the risk index and also the origin of the fund and these variables are tested in the empirical analysis in the thesis. Hence, the purpose of this thesis is to investigate whether women are more risk averse than men, using the individual allocation choice as analysis. The results indicated no difference between men and women indicating that there is no statistical evidence that women are more risk averse than men when it comes to individual financial decisions. However the origin of the fund has a larger impact on women in the sense that they have a tendency to be more home biased than men. However, the home biasedness seems to be a variable highly affected by e.g. place of employment. With the obtained result I can concur with previous researches that claim that women are not more risk averse than men.

Place, publisher, year, edition, pages
2007. , p. 33
Keywords [en]
Risk analysis, risk, gender differences, PPM, individual investment choices, funds.
Keywords [sv]
Risk analys, risk, könsskillnader, PPM, PPM-valen, fonder
National Category
Economics
Identifiers
URN: urn:nbn:se:hj:diva-812OAI: oai:DiVA.org:hj-812DiVA, id: diva2:4551
Uppsok
samhälle/juridik
Supervisors
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Available from: 2007-06-13 Created: 2007-06-13

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