A necessity for forming the investment portfolio of households

Sydorchuk, Anatoliy

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

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.

1-dec-2017

sep-2017

Ternopil Ivan Puluj National Technical University

G11
E21

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

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.

2223-3822

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

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

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