20.500.12556/DKUM-95154 Analiza upokojitvenih pričakovanj v združenih državah amerike An analysis of retirement expectations in the United States Upokojitev je obdobje, ki ga dočaka delavec ob koncu delovne dobe. Da pa bi ohranil življenjski standard iz aktivnega delovnega obdobja, mora svojo upokojitev načrtovati že v letih pred upokojitvijo. Na upokojitvena pričakovanja ameriških potrošnikov vplivajo gospodarski, socialni, politični in drugi dejavniki, ki lahko odigrajo ključno vlogo pri načrtovanju upokojitve. Da bi se posameznik čim bolje pripravil na obdobje po upokojitvi, izbira med različnimi naložbami in dodatnimi viri dohodkov, ki bi mu v obdobju po upokojitvi prinesli dodatna denarna sredstva. V empiričnem delu diplomske naloge smo se bolj podrobno ukvarjali z upokojitvenimi pričakovanji ameriških potrošnikov. Tako smo Američane razdelili po demografskih skupinah glede na spol, stopnjo izobrazbe, višino dohodka in na starostne skupine. V opazovanem obdobju je na upokojitvena pričakovanja močno vplivala kriza Covid-19, ki je upokojitvena pričakovanja marsikateremu Američanu postavila na glavo. Glavna spoznanja so bila, da delež ljudi, ki pričakujejo, da bodo zaposleni po dopolnjenem 62. in 67. letu starosti, upada, kriza Covid-19 pa je povzročila porast deleža ameriških potrošnikov, ki pričakujejo, da bodo zaposleni za polni delovni čas po dopolnjenem 62. in 67. letu starosti. Retirement is a period that a worker reaches at the end of their working life. However, in order to maintain the standard of living from their active working years, a person must plan for retirement in the years leading up to it. The retirement expectations of American consumers are influenced by economic, social, political and other factors that can play crucial role in retirement planning. To better prepare for life after retirement, individuals choose among various investments and additional sources of income that could provide them with extra financial resources during retirement. In the empirical part of the thesis, we focused more closely on the retirement expectations of American consumers. We divided Americans into demographic groups based on gender, level of education, income level and age groups. During the observed period retirement expectations were strongly affected by the Covid-19 crisis, which turned the retirement expectations of many Americans upside down. The main findings were that the share of people expecting to be employed after the ages of 62 and 67 is declining, while the Covid-19 crisis caused an increase in the share of American consumers who expect to work full-time after reaching the ages of 62 and 67. upokojitev upokojitvena pričakovanja viri dohodkov pokojnina zdravstveno zavarovanje vpliv krize Covid-19 na upokojitvena pričakovanja retirement retirement expectations sources of income pension health insurance impact of the Covid-19 crisis on retirement expectations true true false K. Sodec] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2025-09-08 08:44:38 2025-10-24 11:26:54 2025-10-25 03:26:06 0000-00-00 00:00:00 2025 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 005.956.6 254642947 UN_Sodec_Klemen_2025.pdf UN_Sodec_Klemen_2025.pdf 1 2E130BB1AF668128DE3D39871C5FAC51 3dda73ccc54989e71e18540daa7dce942f5858ee3e5bced9b32126b6352281d9 ad842cd1-9d44-11f0-8bbe-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=199354 Ekonomsko-poslovna fakulteta 0 0 0