Privatpersoners sparbeteende i Tillväxtmarknadsfonder Ryssland, Kina & Afrika
This paper includes astudy of the mutual fund market investors during a selected timeperiod. The reader is given a descriptive picture of how people in different age groups have acted in conjunction with the last major financial crisis. It has been studied whether people in the different age categories have saved,purchased or sold during this time period based on theories and analytic material from one of the largest fund operators in Sweden. The result enlightens people?s activity and risk appetite in relation to the fund market. The essay results in an explanation of the underlying cause of the behavior of the people in the different age categories.The paper assumes that the market is cyclical and that more crises will occur in the future. The most recent crisis developed during the years 2007-2008 and has therefore been selected to represent the analyzed period. Among other things, a general hypothesis was applicable to recurring tendency of nonprofessional retail client in extreme market situations to buy fund shares at a high value and sell them at low value in the market. The starting point was to criticize this hypothesis, which clearly turned out to be in favor for one of the mutual funds that have been observed.The result shows that more people in the middle age save more than those in their young years as well as those in the retirement age. Theconclusion of the study shows that when this crisis occurred there were no major withdrawals from any of the mutual funds. In fact the sales transaction was reduced in the period of time from the peak ofthe stock market in 2007 to the time market touched the ground in 2008.