?Pensionsvägledning? är ingen nationellt förekommande verksamhet. Tidigare forskning visar att förberedelser inför pensioneringen ökar både individens livslängd och underlättar omställningen. Syftet med studien är att undersöka om nyblivna ålderspensionärer har ett behov av vägledning i skapandet av ett meningsfullt pensionärsliv. I studien undersöktes med intervjuer av fyra nyblivna ålderspensionärer deras nuvarande levnadssituation, anpassningen till pensionärslivet och synen på livslångt lärande.

With starting point in the increasing ill-health in Swedish working life today, in form of for example absence due to sickness and early retirement pension, and the knowledge that the working environment effects peoples health in a big extent, I found it very interesting to inquire into how people within the working life experience health promotion and how this can be developed. A qualitative method was used to receive a deeper understanding for the employees? experiences and data was collected through semi structured interviews with employees on a bank called Ikanobanken, in Älmhult. The result shows, among other things, that respondents find responsibility and the opportunity to influence the learning processes and development important. It also became clear that the respondents find participation, motivation, communication and safety essential factors when related to changes in health behaviours.

A qualitative survey has been carried out in a manning company whose business concept was to employ pensioners. Six pensioners have been interviewed regarding their views on resumed employment. The results of these interviews have been analysed supported by analytic induc-tion. Areas investigated cover: promotion of better health through work, motivation factors, groupings and control, experience and learning, work and spare time and finally strategies that appeal to an older workforce.The purpose of the survey was to investigate whether the manning company utilizes pension-ers? experience and work skills from their former working life.

I det nuvarande pensionssystemet används ett delningstal för att beräkna den årliga pensionen. Delningstalet avsikt är att spegla den återstående livslängden vid pensioneringstillfället. I denna studie kommer det nuvarande delningstalet för inkomstpensionen att jämföras med olika alternativa utformningar. De alternativa utformningarna är; könsspecifikt delningstal, delningstal med en ettårsperiod för dödligheten, delningstal med Lee-Carters dödlighet, delningstal med Makehams dödlighet och ekonomiskt delningstal. Resultaten visar att det ekonomiska delningstalet är större än det nuvarande delningstalet efter 64 års ålder och mindre före 64 års ålder, orsaken till detta är att dödligheten är högre bland de som går i pension tidigt.

Background: It is today common for companies to provide some sort of incentive for CEO's and senior management positions to motivate, retain and benefit employees within a company. This is in order to drive the goals of the CEO and management in the direction that is desired by the owner. Currently, the Swedish centre-right government has forbidden the use of such variable pay within state-owned companies. There are two different attitudes to variable pay, one that is in favour and one that rejects it. However most people agree on the fact that a well-functioning incentive scheme can be of great strategic importance for a company.Approach: has variable pay to CEO's had any effect on the company's profitability.Aim: the aim of the study is to compare companies who use variable pay to CEO's with companies that do not in relation to their profitability in terms of profit margins, yearly performance, returns on total capital and returns on equity.Method: the study uses a quantitative approach.

Purpose: The main purpose of this study is to study the 45 funds, divided into three differentdivisions, then the result will provide a greater understanding of how returns change with ahigher risk.Methodology: The study is based on a quantitative approach. The survey was conducted bygathering raw data from databases and secondary data from literature, printed and electronicsources.Theoretical perspectives: The study is based on the theory: the efficient markethypothesis, which argues that future returns can not be calculated as the market is fullyinformed. The study is therefore studying historical yields.Empirical foundation: Empirical data are acquired from www.morningstar.se, andtherefore also treated on this page. The material is then divided into documents and time axes.Conclusions: The study has shown that high-risk funds give a higher percentage returns thanmedium-and low-risk funds. However, does not imply a higher risk automatically earn ahigher return when the low-risk funds have shown a higher yield than medium-risk funds.

The first four AP-funds have a well-diversified Swedish portfolio, which is managed in similar way as the largest Swedish bank funds. Up until today, there has not been any comparable study that focuses specifically on this part of the AP-funds. Our aim is two-folded; First we will look at how well the AP-funds have managed their Swedish assets compared with Swedish funds of the four largest banks in Sweden during 2002-2006. This will be done by looking at some important key ratios and both absolute and active return. Secondly we will present a descriptive analysis of the management structure within the respective organisations, to be able to draw conclusions regarding the possible deviations in investment return.

Ternary codes for unequal error protection is a part of a communication system where different parts of the information to be transmitted can receive different amount of error protection. There are a lot of applications where the channel conditions fluctuate so that reliable or acceptable communication can not be guaranteed. Regardless whether the fluctuations of the channel are intentional or not the idea is to let the coderate decrease so that the error correcting capability can increase for the part of the information to be more protected. By using the support, the nonzero positions of the ternary code, a new binary code can be extracted with properties different from the ternary code in the sense of cardinality and minimum Hamming distance. When the channel conditions are good the receiver decodes the message using ternary decisions and receives all information included in the codeword.

SammanfattningDen finansiella marknaden har under de senaste decennierna till stor del präglats av både stark ekonomisk tillväxt och stora kriser, detta har lett till att risken relaterad till sparande och investeringar har blivit allt viktigare att kontrollera och undersöka. Samtidigt visar statistik från SCB att de svenska hushållen investerar allt mindre i aktier vilket kan skapa problem, både för den finansiella branschen i sig och det framtida välståndet. Dagens pensionssystem riskerar att inte klara framtidens ökande utbetalningsnivåer som krävs för att underhålla en allt större, äldre befolkning, som även lever allt längre. Detta är ett problem som gäller för hela EU och därför blir det allt viktigare med ett privat sparande, och därigenom att investera rätt.För att hjälpa privatpersoner att investera rätt, genom att utnyttja sin nivå av risktolerans, samtidigt som man gör det lättare för kreditgivare och rådgivare att kunna erbjuda korrekta produkter och investeringsstrategier, syftar denna studie huvudsakligen till att undersöka om det finns samband mellan olika demografiska och socioekonomiska variabler och nivåer av risktolerans. Med hjälp av tidigare studier valdes följande variabler att undersökas: kön, ålder, utbildningsnivå, relationsstatus, sysselsättning och inkomstnivå.

Bakgrund: Den finansiella marknaden och dess tjänster har blivit alltmer komplexa under åren. Utbudet av olika produkter som exempelvis olika typer av fonder och aktier har blivit allt större. Det finns idag många olika handelsplattformar för aktier och fonder. Samtidigt som utbudet av komplexa produkter ökar, läggs mer ansvar på individen i exempelvis hantering av premiepension. Det förutsätter att konsumenten är väl informerad och tar rätt beslut.

Stock lending is primarily a professional activity. The supply of stocks in the lending market comes mainly from pension funds and insurance companies, while intermediaries provide valuable services by taking positions as borrowers as well as lenders. Borrowers use stock lending for various reasons. For instance, hedge funds usually borrow stocks to cover a short position. There has been a lot of controversy in the stock lending industry and the debate has mainly concerned its effects for the stock markets.

Stock lending is primarily a professional activity. The supply of stocks in the lending market comes mainly from pension funds and insurance companies, while intermediaries provide valuable services by taking positions as borrowers as well as lenders. Borrowers use stock lending for various reasons. For instance, hedge funds usually borrow stocks to cover a short position. There has been a lot of controversy in the stock lending industry and the debate has mainly concerned its effects for the stock markets.

Europa står i dag inför stora demografiska förändringar med en allt äldre befolkning och minskade födelsetal. Tidigare forskning visar att förändrade levnadsförhållanden samt ekonomisk tillväxt har varit en bidragande orsak till att befolkningsstrukturen har förändrats. Eftersom det främst är politiker som fattar beslut angående åtgärder, fann vi det intressant att studera hur politikerna väljer att bemöta de demografiska förändringarna samt undersöka om det finns distinkta skillnader i politiken utifrån Esping-Andersens kategorisering av välfärdsstater. Syftet med denna undersökning var att finna om politikerna i Sverige och Spanien bemöter de demografiska förändringarna på olika sätt eftersom länderna tillhör olika välfärdsstater. Resultatet visade att några av de förslag som presenterades var utökad barnomsorg, bättre villkor för föräldrar att kombinera arbete och familjeliv, ökad pension samt förbättrad äldrevård.

The public sector has through the years been exposed to a rather radical alteration. The aim with this alteration has been to make the public sector more effective. It?s a dynamic society that Norrbottens läns landsting (NLL) operates in today and it is therefore of great importance that the managers get a solid foundation to rely on, since they have a central role in the ambition for efficiency. Another reason to educating the managers is that NLL can secure the future pension losses.

The voltage level in the power grid varies due to variations in load and production. Normally these variations are manageable, but they may be excessively large during a disturbance. If the voltage is too high it may damage the equipment in the grid and too low voltages may cause problems like voltage instability. The magnitude of the voltage variation depends on the short circuit power capacity of the point of interest.This problem may become lore prominent due to automatic voltage regulation that acts on shunt reactors and shunt capacitors. When the shunt reactor is connected or disconnected to the grid it may cause such large changes in the voltage that the shunt reactor starts hunting.