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Göteborgs universitets publikationer

Determinants of heuristic choices in the Swedish premium pension scheme: An internet-based survey

Författare och institution:
Ted Martin Hedesström (Psykologiska institutionen); Henrik Svedsäter (Psykologiska institutionen); Tommy Gärling (Psykologiska institutionen & Centrum för konsumentvetenskap (CFK))
Publicerad i:
Poster presented at the 28th international congress of psychology, Beijing, China,
Konferensbidrag, poster
Sammanfattning (abstract):
The results of previous analyses of citizens’ actual choices in the Swedish premium pension scheme (Hedesström et al., 2004) were replicated in an Internet-based survey of fictitious choices among fund categories. The sample consisted of 392 university employees who were contacted via email. Findings indicated the prevalence of a default bias, use of a diversification heuristic, a home bias, and use of the 1/n heuristic. Involvement in the scheme, measured by self-rating scales, increased with the amount to invest but decreased with age (proximity to retirement). Involvement furthermore decreased the likelihood of choosing the default fund and was positively correlated with the number of chosen funds. Naïve risk diversification, the home bias, and use of the 1/n heuristic were however unaffected by involvement
Ämne (baseras på Högskoleverkets indelning av forskningsämnen):
Behavioral finance, Swedish premium pension scheme, decision making
Postens nummer:
Posten skapad:
2007-01-18 15:08
Posten ändrad:
2008-08-06 09:57

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