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Upravljanje osebnih financ je ključ do naše finančne prihodnosti. Kljub temu pa veliko posameznikov ne varčuje redno ali pa niso prepričani, katera oblika varčevanja jim najbolj ustreza. Da bi se izognili temu problemu, je pomembno finančno načrtovanje. Analizirati moramo svoje trenutno finančno stanje, določiti cilje ter časovno obdobje, v katerem bomo cilje dosegli. Cilje lahko dosežemo z uporabo različnih naložbenih alternativ. Pri izbiri primerne oblike varčevanja pa moramo upoštevati nekatere dejavnike: svoje znanje, pretekle izkušnje, razpoložljive dohodke ter odnos do tveganja. Raziskovali in analizirali smo tudi varčevalne navade in motive za varčevanje v Sloveniji pred, med in po izbruhu svetovne finančne krize ter ugotovili, da je ostal trend varčevanja v opazovanem obdobju (od leta 2001 do 2014) dokaj nespremenjen. V Sloveniji kljub nizkim obrestnim meram, ki jih ponujajo banke, še vedno prevladuje varčevanje na banki. Razloga sta dva: Slovenci smo pri svojih finančnih naložbah zelo konservativni varčevanje na banki je za posameznika najbolj varna in enostavna finančna naložba. The management of personal finances is a key to our financial future. Despite this, many individuals do not save regularly or they are not sure which form of savings is the most appropriate for them. To avoid this problem it is necessary to make a financial plan. We have to analyse our financial situation, determine our goals and time period to achieve all of the goals. The goals could be reached with the use of different investment alternatives. Bay choosing of appropriate means of savings we have to consider some of the factors: our knowledge,previous experinces, available incomes and our risk attitude. We have researched and analysed financial habits and motives for savings in Slovenia before, during and after the financial crisis. The research has shown us that the trend of savings has remained the same between 2001 and 2014. In Slovenia, despite the low interest offered by banks, still dominates the saving in the bank. There are two reasons for this: Slovenians are very conservative and also because the saving at the banks is the safetest and the easiest financial investment for an individual. |
