Unga svenskars finansiella risktolerans : En kvantitativ studie om vilka bakomliggande faktorer som påverkar unga svenskars finansiella risktolerans

• Main Authors: Christiansson, David, Nyström, Gustaf
• Format: Others
• Language: Swedish
• Published: Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap 2020
• Subjects: Risk; Financial risk; Financial risk tolerance; Risk aversion; Finansiell risk; Finansiell risktolerans; Riskaversion; Economics and Business; Ekonomi och näringsliv
• Online Access: http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-42406

The purpose of this study is to describe the financial risk tolerance of young swedish residents, which factors that affect their financial risk tolerance, and how their risk tolerance affects their investment behavior. Previous studies within the subject of financial risk tolerance have focused on a wider range of ages, and most of the studies have been made on an American population. This study also contributes with more factors in the same study than many previous studies. The factors included in this research are Gender, degree of education, relationship status, income, mood, birth order, future economic expectations, and financial knowledge. The research contains a quantitative study, where the data have been collected with a survey. The study has a deductive approach, which means that the study starts with theory and moves on with empiricism and hypotheses. The hypotheses have been developed from the results of earlier studies. The survey was dedicated to young Swedish residents in the ages of 18 to 30 years old. There were 123 respondents who answered the survey, which contained 24 questions. To measure the risk tolerance of young swedish residents, the Grable and Lytton’s Risk Tolerance Scale have been used. The result of the study tells us that the financial risk tolerance of young swedish residents are affected by the factors: Gender, future expectations on the stock market and financial knowledge. The study also tells us that there is a significant different in financial risk tolerance between young swedish residents who invest in stocks, compared to those who do not invest in stocks.