20.500.12556/DKUM-58731 VARČEVANJE V SLOVENIJI V OBDOBJU MED 2004 IN 2014 SAVINGS CHANGES IN SLOVENIA DURING THE PERIOD BETWEEN 2004 AND 2014 Varčevanje je področje, kateremu ljudje namenimo različno pozornost. Nekateri so mu bolj, drugi manj naklonjeni. Nekateri varčujejo že od malih nog, spet drugi se za varčevanje odločajo kasneje. Odločitev za varčevanje je osebna komponenta in je v največji meri odvisna od motivov, ki nas k varčevanju vodijo, ter varčevalnih navad. Lahko gre za varčevanje za nakup nepremičnine, za šolanje otrok, za varnostno rezervo, za pokojnino ali za kaj drugega. Večina ljudi si namreč želi brezskrbnega življenja in lagodnosti tudi v prihodnje. Navedeno pa je možno le z zavestno odločitvijo o varčevanju. Smiselno je narediti finančni načrt, ki naj opredeljuje časovno komponento, višino sredstev, ki bodo varčevanju namenjena, cilje varčevanja ter izbiro produkta, s katerim bomo varčevali. Smiselno je, da pred odločitvijo o načinu varčevanja natančno proučimo ponudbo varčevalnih produktov in institucij, ki varčevanje ponujajo. Med slednjimi so namreč velike razlike in potrebno si je vzeti čas za pridobitev vseh potrebnih informacij. Potrebno je ugotoviti, kakšni so predvideni donosi varčevanja, stroški, ki so z varčevanjem povezani, ter ne nazadnje tveganja, katerim smo varčevalci pri določenem varčevalnem produktu izpostavljeni. Po pridobitvi potrebnih informacij bo namreč izbira načina varčevanja veliko lažja in skladna s cilji varčevanja. Saving money is an area that is given varying attention by different people. Some have stronger, while others have weaker preference for it. Some people start saving their money from their earliest years, while others take the decision to save their money later. The decision taken to save money is a personal component, which as far as possible depends on motives that lead us to saving, as well as our saving habits. Savings can be intended for the purchase of a real estate, for children's education, for safety margins, for pensions, or any other intentions. Most of the people want to continue to live a carefree and a leisurely life. The only way to achieve that is by taking a conscious decision to save money. It is appropriate to design a financial plan, which should determine the time component, the amount of assets to be saved, savings targets and savings products used for saving. Before taking the decision about saving, it would be reasonable to examine carefully the supply of savings products and institutions that offer saving. Comparing the latter ones, there are some large differences in their supply, which is why it is necessary to take enough time to acquire all the information needed. It is of great importance to find out what are projected savings yields, the expenses connected to savings, and finally, risks to which savers are exposed while using a certain savings product. After acquiring all the information needed, our decision about the way of saving will be much easier and, moreover, consistent with our savings goals. varčevanje varčevalne navade finančni načrt varčevalni cilji produkti varčevanja institucije donosi varčevanja tveganja saving saving habits financial plan savings targets savings products institutions savings yields risks true true false [G. Kerec] Slovenski jezik Angleški jezik Diplomsko delo 2016-04-25 23:28:25 2016-09-22 11:24:41 2022-06-17 03:07:28 2019-07-11 10:49:57 2016 0 Murska Sobota 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 12503836 URN:SI:UM:DK:3CBGHUG7 VS_Kerec_Gorazd_2016.pdf VS_Kerec_Gorazd_2016.pdf 1 D3CDCF7433EC8DD57CD5B4AE52FD4563 2ca94d8d4bfae2f5f894b9c39f249e5de7298d853e2e6c1a713509d9fd26f43b 96ae34f2-7c0c-11eb-bb7a-00155d0001ca https://dk.um.si/Dokument.php?lang=slv&id=93071 Ekonomsko-poslovna fakulteta 0 0 0