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A necessity for forming the investment portfolio of households

Title:



A necessity for forming the investment portfolio of households



Authors:


Sydorchuk, Anatoliy


Affiliation:

 

 

Ternopil National Economic University 11 Lvivska str., 46020 Ternopil, Ukraine e-mail: a.sydorchuk@tneu.edu.ua Ph.D., Assoc. Prof., Serhiy Yuriy Department of Finance Orcid iD 0000-0003-0280-1285


Bibliographic description:

 


Sydorchuk, A. (2017). A necessity for forming the investment portfolio of households. Socio-Economic Problems and the State. 17 (2), 162-170. http://sepd.tntu.edu.ua/images/stories/pdf/2017/17saapoh.pdf.


Issue Date:


1-dec-2017


Submitted date:


sep-2017


Publisher:


Ternopil Ivan Puluj National Technical University


UDC:

336:1

JEL: 


G11
E21


Keywords:

 

the investment portfolio of households
welfare of households
household
development
finance of households


Abstract:  

In the article, micro- and macroeconomic prerequisites for the formation of the investment portfolio of households have investigated. Microeconomic pre-conditions are conditioned by a circumstance that the forms of riches of households in the process of its life are different. If the financial and material form of riches must have a tendency to the increase, then a human form (ability to work) has a tendency to falling. Necessary course of action, when in spite of the gradual decline of ability to work, the level of financial form of riches of households will grow. Savings in the period of labor activity of households have been the source of such development only. As the influence on savings level is the level of interest rate and set of tools are presented at the financial market of the country. Macroeconomic pre-conditions are conditioned by equalization that shows an important fact, that for an economy, on the whole, the savings of subjects of financial relations are always equal to the investments. Interest rate as an instrument of financial market counterbalances suggestion and demand of free resources "uniting" macroeconomic and microeconomic aspect of the necessity of investment portfolio of households. The needs to improve the financial literacy of households Ukraine have considered. The study proves the relationship between the level of interest rates and incentives to saving of population. Namely, the higher the interest rate, the less incentive to save should be, and vice versa - a low-interest rate should stimulate the savings of domestic households. In this context, the need to raise the level of financial literacy of the population of Ukraine has considered.


Description: Supplementary data associated with this article can be found, in the online version, at http://sepd.tntu.edu.ua/images/stories/pdf/2017/17saapoh.pdf

ISSN:

  

2223-3822


Copyright owner:  


Електронне наукове фахове видання «Соціально-економічні проблеми і держава», 2017


URL for reference material:


http://sepd.tntu.edu.ua/images/stories/pdf/2017/17saapoh.pdf
http://www.ukrstat.gov.ua/


References:


1.Sydorchuk, A. A. (2016) Neobkhidnist formuvannia investytsiinoho portfelia domohospodarstv [The necessity for forming the investment portfolio of households]. Uzhhorod: Uzhhorodskyi natsionalnyi universytet. (in Ukrainian).
2.Struktura sukupnykh vytrat domoghospodarstv (2017) [Structure of total household expenses] / Derzhavnyj komitet statystyky Ukrainy. Available at: http://www.ukrstat.gov.ua/ (accessed 08 June 2017).
3.Kizyma, T. O., Karpyshyn, N. I., Sydor, I. P., Shuluk, B. S. & Sydorchuk, A. A. (2015) Finansy domoghospodarstv [Finance of households]. Ternopil': Vektor. (in Ukrainian).
4.Samuelson P., & Nordhaus, W. D. (2008) Ekonomika [Economics]. Moskow: «I.D. Vilyams». (in Russian).
5.Kizyma, T. O. (2010) Finansy domoghospodarstv: suchasna paradyghma ta dominanty rozvytku [Finance of households: contemporary paradigm and developmental trends]. Kyiv: Znannja. (in Ukrainian).
6.Fabotstsi, F. (2000) Upravlenie investitsiyami [Investment managment]. Moskow: INFRA-M. (in Russian).
7.Teorija ryzyku investycij Ghari Markovica (2017) [Gary Markowitz Investment Risk Theory] / Wikipedia. Available.


Appears in Collections: Scientific Journal "Socio-Economic Problems and the State", Vol.17, No.2

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