Syfte: Denna studie syftar till att undersöka vilka variabler som påverkar olika frågor gällande pension. De frågorna angående pensionen som undersöks är:Vilka människor?? har tänk på sin pension?? har ett privat pensionssparande?? tänker jobba och ta ut pension samtidigt?? planerar att gå i pension tidigt respektive sent?Metod: Undersökningen utförs med en kvantitativ metod. Enkätundersökningen som analyseras kommer från en tidigare undersökning gjord av Finseraas och Jakobsson (2013). Uppsatsen följer en induktiv metod.Slutsats: Studien visar att variablerna som ingick i grundmodellen, vilka är kön, ålder, utbildningsnivå, civilstånd och inkomst, alla var signifikanta i en eller fler av frågorna som undersöks.

As most developed countries Norway has an ageing population meaning that the number of pensioners is predicted to grow rapidly over the coming years. As a consequence the Norwegian pension system will not be able to provide for these future pensioners. Meanwhile, a rising number of early retirees and disability pension claimants is diminishing the real retirement age. Also the individual pension amount is growing while the pension system itself reaches maturity. In short, major reforms are needed in the Norwegian pension system.

In the future the Swedish pension system will face major problems. With an increasing aging population combined with a decreasing share of working population the financing of the pension system is becoming a bigger problem than previously predicted. This means the individual himself will have a bigger responsibility to invest money for their future retirement. It has been shown that a large proportion of the people who invests for their future pension have neither the interest nor the time to actively invest their pension capital. To make it easier for those who invest for their retirement, some Swedish banks have created so-called generation funds.

Pensionen är en viktig del av en individs framtida liv som mycket väl kan innebära skillnaden mellan ett lyckligt eller miserabelt liv som pensionerad. I vardagen kan vi höra om pensionen och var vi bör vända oss, vare sig det gäller media, affischer eller annan reklam, men vet vi tillräckligt för att kunna pensionsplanera? Denna kvantitativa studie använder sig av data från en norsk enkätundersökning på internet, för att ta reda på vilka faktorer som kan påverka individers pensionsplanering i form av privat sparande. Studien lyckas bekräfta en positiv relation mellan privat sparande och fyra variabler; årsinkomst, åldersgrupp, tankar kring pension samt sysselsättning..

In the future the Swedish pension system will face major problems. With an increasing aging population combined with a decreasing share of working population the financing of the pension system is becoming a bigger problem than previously predicted. This means the individual himself will have a bigger responsibility to invest money for their future retirement. It has been shown that a large proportion of the people who invests for their future pension have neither the interest nor the time to actively invest their pension capital. To make it easier for those who invest for their retirement, some Swedish banks have created so-called generation funds.

The aim of this study was to examine how individuals with disability pension reason about a return to work. Action theory, as presented by Berglind, was used as theoretical approach. Qualitative interviews were conducted with five individuals who have disability pension due to mental illness. The respondents describe how they weigh benefits and disadvantages against each other. The main reason for a return to work is economical.

The purpose of this study was to try to understand the Swedish population regarding the perceptions of the Swedish welfare system, based on the reactions that occurred after Sweden's Prime Minister Fredrik Reinfeldt's statement about raising the retirement age. Our results demonstrate that the reactions on changes in the pension system in fact rooted in a safety factor and not the change in the pension system itself, through which the Swedish welfare system acts as a safety net for the population. Further the results shows that these safety factors create a form of egoism. With an interaction between empiricism and theory, where the starting point of the material was of an inductive approach, the material abstracted into different levels from which the result emerged. The focus of this study lies in the understanding of how human beings act according to one's need for security in major changes, which may be of importance to a comprehensive understanding of changes in social structures..

Genom en traditionell juridisk metod avser den här uppsatsen att studera det svenska allmänna pensionssystemet över tid (igår, idag och imorgon) för att utreda den rättsliga grunden för allmän pension. Den allmänna pensionsrätten är en del av de tre pelare som idag utgör det svenska pensionssystemet. De andra pelarna utgörs av den privata pensionen och avtalspensionen. Allmän pension har sedan början av 1900-talet erbjudits den svenska befolkningen. De första lagarna om allmän pension kan inte jämföras med det allmänna pensionssystemet som idag finns.

One trend that can be seen in the EU countries is that employees want to exit from the workforce before they turn 60 years. A Dutch study of some EU countries has noticed that an early retirement from labor in many countries is considered as a social right. This has created an ?early exit-culture?. Large early outflows of the labor have created an institutionalization, the right to cease work early.

A reforming trend is captured showing that countries are shifting from defined benefit pension systems towards defined contribution systems. The reforms have been justified through predictions that the defined benefit systems will not manage to provide good enough pensions to members in the future. The newer defined contribution pension plans often include individual financial accounts where individuals have the possibility to choose how a part of their pension savings should be invested. Sweden was early to introduce such a system, which at the moment provides more than 800 funds to choose from. The aim of this thesis is to capture the market risk associated with these individual investments and does so by using Monte Carlo simulations for six selected pension funds.

The purpose of this essay is to examine for the age discrimination towards older people in the working life. The essay practice EU-law and national law to examine the age discrimination. It also looks for the limits towards age discrimination. A presentation of the rules will make it easier to see how employers are possible to get around the ban against age discrimination. This essay also illustrates how age discrimination emerges in recruitment processes and then how to discourage age discrimination.

Syftet med denna uppsats är att undersöka huruvida en aktiv individ får högre framtida pensionsutbetalningar än en individ som låter kapitalet vara kvar i Premiesparfonden.Vår undersökning har en deduktiv ansats, då ekonomiska teorier har utgjort grunden för de beräkningar som har gjorts. Beräkningarna bygger på hårddata, i form av historiska fondvärden, och studien är därmed kvantitativ. Tidigare undersökningar och beräkningar används för att styrka uppsatsen, som i och med detta är en sekundäranalys.  Den placeringsstrategi som visade sig ge högst framtida utbetalningar med hänsyn tagen till risken var den aktiva placeringen. De portföljer som de aktiva premiepensionstagarna har att välja mellan i vår studie, ger alla högre framtida utbetalningar än Premiesparfonden. Vidare kan tilläggas att Premiesparfonden är ett av alternativen som har för hög risk i förhållande till dess låga avkastning.Det skulle vara intressant att om några år, då Premiespar-fonden har förändrats till generationsfonder, göra om denna studie och då undersöka om detta leder till högre pensionsutbetalningar för de icke-aktiva premiepensionstagarna.Denna studie bidrar med och stärker, genom konkreta exempel, det som en del andra författare redan påpekat, att de icke- aktiva premiepensionsspararna får lägre framtida utbetalningar än de som är aktiva i sitt sparande..

The purpose of this essay was to compare the Swedish and the Japanese pension system and see if there were any big differences or similarities. I was looking for answers to such questions as if the systems were modelled with the problematic demographic situation in mind and also how these two countries had tried to manage the problems. Path dependency was also a central conception when I studied the reforms of the two pension systems. I mainly used literature and Internet sources in my study. There were many books on the Swedish pension system and the debates that had been going on since the 80's.

Trenden i samhället idag är att det tillbringas kortare tid i arbetslivet samtidigt som det finns ett hot om en framtida arbetskraftsbrist. Syftet med studien var att undersöka faktorer som är av betydelse för äldre medarbetares beslut om tidpunkt för pensionering. Variablerna krav, kontroll, stöd, ekonomisk situation, hälsa och attityd till pension undersöktes genom ett frågeformulär. 117 assistenter i Örebro kommun deltog i undersökningen. Resultatet visade att attityd till pension hade ett negativt samband med hälsa, civilstånd samt ålder.

This examine illustrates the section heads' and caregiving staffs' perceptions of the influence of New Public Management (NPM) in public retirement homes in Malmö. A central theme is to investigate if the main features of New Public Management are noticeable and if that's the case, are the consequences an advantage or disadvantage? The main features of New Public Management in this examine are: decentralization, competition, internal market, cost- conscious, management by objectives with a focus on results and costumer focus. To reach answers to the questions above, a quantitative and a qualitative approach has been chosen. The study is based on 41 questionnaires with enrolled nurses/nurse's assistants and four semi-structured interviews with section heads of retirement homes. Four different retirement homes have been participated in this study.