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The Financial Crisis effects on asset allocation.: A study regarding the individuals in Umeå financial behaviour in response to the financial crisis of 2008. 
Umeå University, Faculty of Social Sciences, Umeå School of Business and Economics (USBE), Business Administration.
Umeå University, Faculty of Social Sciences, Umeå School of Business and Economics (USBE), Business Administration.
2012 (English)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

This study presents the financial behavior of individuals in Umeå and how their allocation of financial assets has changed as an effect of the financial crisis of 2008. We have also elaborated further on what variables that has had the most impact on individuals’ reallocation behavior.

We have chosen a quantitative approach and based our findings on the data derived from 210 participants. Our entire sample was drawn from the geographical area of Umeå and the data was collected through the use of a survey. Our research is built upon a deductive approach; hence we are not generating new theory but rather drawing our conclusions from the comparison of our collected data with previous made research.

Our analysis led us to the conclusion that the majority of the individuals in Umeå have not chosen to reallocate their financial assets due to the financial crisis of 2008. Our research was to most parts in line with previous research made within this area. We were also able to determine some main variables that have had a evident effect on the individuals decision to reallocate or not. Some of the most prominent variables are; gender, income and risk willingness. 

Place, publisher, year, edition, pages
2012. , 99 p.
Keyword [en]
Financial Crisis, Financial assets, Allocation, Reallocation, Redistribution, Financial knowledge
National Category
Business Administration
URN: urn:nbn:se:umu:diva-64384OAI: diva2:600778
Educational program
International Business Program
Social and Behavioural Science, Law
Available from: 2013-01-30 Created: 2013-01-25 Last updated: 2013-01-30Bibliographically approved

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