Trygg, sviken eller osäker : Tankar och förberedelser inför pensioneringen
Safe, betrayed or uncertain : Thoughts and preperations for retirement
Author
Summary, in English
The analysis is based on the model Reflexive Planning for Later Life, coping, bounded rationality, behavioural finance and the concept of governmentality, and has been performed by categorising the content of the transcribed interviews. In doing this, three recurrent themes have emerged as key elements in a persons´ preparation for retirement: Life context, Adjustment and Choice. Sweden’s new pension system is still mainly a pay as you go-system, but among other changes, an enhanced lifetime earnings principle and an element of funding have made the individual responsible for how a part of their pension develops. The results suggest that people’s perceived knowledge about the rules of "their" pension schemes affects their view of their retirement preparations. The older respondents see themselves, even if they describe a lack of knowledge, as secure and confident with "their" pension system. Those in the middle group, often feel betrayed by the reform. The younger respondents are often confused and feel uncertain about the long-term durability of the system, but are to some degree more positive towards individual choice. People make retirement preparations in relation to their lives.
The intentions behind the reform, to delay peoples´ retirement and make individuals responsible for their future pensions, have not been realised. Few individuals want to prolong their working lives based on their life situation. The intentions behind the new pension system are to put the risk and responsibility onto the individual. However, many interviewees express concern over the individualized responsibility. The information about the reform and the new pension system has been extensive, but people don’t easily adapt to the change. Few read the Orange envelope, few people make fund choices. Many people feel they have a lack of knowledge about the system, an ignorance that seems to strengthen their lack of trust in the system.
Department/s
Publishing year
2012
Language
Swedish
Publication/Series
Lund Dissertations in Social Work
Volume
44
Full text
Document type
Dissertation
Publisher
Lund University
Topic
- Social Work
Keywords
- pension system
- pension
- planning
- pension savings
- preparations
- welfare system
- governmentality
- reflexivity
- reflexive planning for later life
- coping
- behavioural finance
- pension
Status
Published
Supervisor
ISBN/ISSN/Other
- ISSN: 1650-3872
- ISBN: 978-91-89604-51-3
Defence date
20 April 2012
Defence time
10:15
Defence place
Edens hörsal, Paradisgatan 5, Hus H, Lund
Opponent
- Jan Petersson (Professor)