20.500.12556/DKUM-81700 Finančna pismenost nepoučenih vlagateljev v zlato Financial literacy of uninformed gold investors V trenutnem ekonomskem okolju, zaznamovanim z negotovostjo, se cena zlata ponovno viša in s tem obuja možnosti o njenih naložbenih lastnostih. Zlato je v zadnjem času pritegnilo pozornost tudi nepoučenih, malih vlagateljev, kateri iščejo boljše alternativne oblike naložb za investiranje. Pri tem je pomembna tudi finančna pismenost, ki postaja vse bolj pomembna življenjska veščina. Vendar domače, kot tudi tuje raziskave kažejo, da je finančna pismenost med odraslimi nizka, kar kaže na to, da so možne še izboljšave na tem področju. V magistrskem delu se tako osredotočamo na povezavo med finančno pismenostjo in naložbenim zlatom ter raziskujemo kakšno je finančno razumevanje nepoučenih vlagateljev v zlato, kot obliko naložbe. Zanimalo nas je, v kolikšni meri so naklonjeni varčevanju in investiranju ter naložbenemu zlatu, kako ga dojemajo, ter ali bi bili pripravljeni vlagati v zlato v prihodnosti. V teoretičnem delu smo na podlagi pregleda strokovne literature opredelili pojem finančne pismenosti ter povzeli ugotovitve različnih domačih in tujih raziskav o stopnji finančne pismenosti. Predstavili smo nekatere primere dobre prakse, ki dvigujejo finančno opismenjevanje pri nas, kot tudi v tujini. V nadaljevanju smo opravili historično analizo gibanja cene zlata zadnjih 50 let ter opredelili glavne dejavnike, ki so vplivali na gibanje cene zlata. Utemeljili smo status zlata kot varne naložbe, status hranilca vrednosti oziroma kdaj naj bi ščitil pred inflacijo ter kakšen je vpliv zlata na razpršitev portfelja. Nadalje smo analizirali naložbene lastnosti zlata ter njegovo donosnost v različnih obdobjih, opravili pa smo tudi primerjavo z nekaterimi drugimi naložbenimi razredi, kot so depozit, vzajemni skladi, delnice in kripto sredstva. V okviru opravljene raziskave smo ugotovili, da večina anketiranih drži svoja denarna sredstva na računih bank v obliki depozitov ali denar varčuje doma. V naložbeno zlato investira le desetina anketiranih. Le-ti v večini pravilno ocenjujejo lastnosti naložbenega zlata, predvsem kot dolgoročno naložbo in kot dober hranilec vrednosti. Zlato v večini ne prepoznavajo kot naložbo, ki bi v prihodnosti prinašala visoke donose, čeprav več kot polovica anketiranih dopušča možnost, da bi v prihodnosti vlagali v zlato. Najbolj močan razlog tistih, ki ne bi vlagali v zlato pa je bil ravno nizka informiranost in pomanjkanje znanja v to obliko naložbe. In the current economic environment, marked by uncertainty, the price of gold is rising again and thus resulting in raising opportunities for its investment properties. Gold has also recently attracted the attention of small investors, lacking information, looking for better alternative forms of investment to invest in. Financial literacy, which is becoming an increasingly important life skill, is also important. However, domestic as well as foreign research, show that financial literacy among adults is low, indicating that further improvements are possible in this area. In the master's thesis, we focus on the connection between financial literacy and gold investment and explore the financial understanding of data-lacking investors in gold as a form of investment. We were interested in the extent, up to which they are in favour of saving and investing in gold, how they perceive it, and whether they would be willing to invest in gold in the future. In the theoretical part, based on a review of the professional literature, we defined the concept of financial literacy and summarized the findings of various domestic and foreign research regarding the level of financial literacy. We have presented some examples of good practices that have raised financial literacy in Slovenia as well as abroad. In the following, we performed a historical analysis of the price trends of gold over the last 50 years and identified the main factors that influenced the price trends of gold. We substantiated the status of gold as a safe haven, the status of a store of value or inflation hedge, and what is the impact of gold on portfolio diversification. We further analysed the investment properties of gold and its profitability in different periods, and also made a comparison with some other investment classes, such as deposits, mutual funds, shares and crypto assets. As part of the research, we found that most respondents keep their money in bank accounts in the form of deposits or save money at home. Only a tenth of respondents invest in gold. Most of them correctly assess the properties of investment in gold, especially as a long-term investment and as a good store of value. Most do not recognize gold as an investment that would bring high returns in the future, although more than a half of respondents allow the possibility of investing in gold in the future. The strongest reason for those who would not invest in gold was the low level of information and lack of knowledge considering this form of investment. Finančna pismenost zlato naložba vlagatelj. Financial literacy gold investment investor. true true false E. Bolcar Slovenski jezik Angleški jezik Magistrsko delo/naloga 2022-05-13 14:12:57 2022-07-14 12:25:30 2022-08-10 00:45:18 0000-00-00 00:00:00 2022 0 [Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.74 115375107 MAG_Bolcar_Eva_2022.pdf MAG_Bolcar_Eva_2022.pdf 1 30434F603FD4C0ABAF207FB11461B65F e25c9d87e187d49e6823d33bd54ddc4843a4d3dbfc944489147bc607f9a52751 26c3dcb5-e1e7-11ec-aeaa-00155d000105 20.500.12556/dkum/1ae5b830-1a2e-4565-9c87-ed38eda89d61 https://dk.um.si/Dokument.php?lang=slv&id=158260 Ekonomsko-poslovna fakulteta 0 0 0