Journal of Families and Better Life (가정과삶의질연구)

Korean Home Management Association (가정과삶의질학회)
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The Household's investment on risky and safe financial assets

가계의 위험자산과 안전자산 투자분석 -금융자산을 중심으로-

  • 양정순 (이화여자대학교 가정관리학과)
  • Published : 1996.09.01
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Abstract

While theories of portfolio selection have been developed very little is known about how individuals actually go about constructing their asset potfolios. This study investigates empirically the characteristics of household's assets and which factor associated with risky and safe asset amount. Data used in this study consisted of 2,164 households and the statistics employed to analyze the data are univariate procedure Logit analysis and OLS. The results of this study were as follows: Among 2,164 households 505 housholds(23.3%) had risky assets. Average risky asset amount is 8,351,500 won and average safe asset amount is 7,086,900 won. Region education and occupation of household head home ownership transfer and other income and total expenditure had significant effects on either and other income and total expenditure had significant effects on either household having risky asset or safe asset. Financial income transfer and other income and total expenditure had significantly p sitive relation with the risky asset amount. Whereas age and the occupation of household head the sense of economic wellbeing earned financial tranfer and other income and total expenditure had significantly positive relation with safe asset amount.

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