광주전남지역 직장인의 재테크 행태에 관한 연구

Abstract

A Study on the Financial Technology Behavior of Salary Workers in Gwangju-Jeonnam Area

Ahn Young-Duk Advisor : Prof. Kim, Ahn-Ho Ph. D. Department of Economics, Graduate School of Chosun University

Wage workers have an increasing interest in growing their funds due to the job insecurity in the aftermath of economic depression and financial polarization in the society, and the number of wage workers who are actually growing their fund has soared. The survey found that most wage workers are growing their funds or are willing to grow their funds in the future, but it is hard to figure out exactly in relation to wage workers growing their funds because there are not much related data. Most of books on the shelves of bookstores, related to fund-growing techniques, are about stocks and real estate management, and there is rarely a guideline on the fund-growing techniques based on the investment of wage workers. Despite those realistic constraints, wage workers are playing increasingly important role in the fund-growing market with their constant participation. However, they have not achieve a qualitative improvement, compared with their quantitative improvement. In response to that, the purpose of this study was to examine and the way to reduce the risk to wage workers and identify constructive and successful investment strategy. The specific details are as follows: First, the concept of fund-growing techniques was discussed in order to clearly define the fund-growing techniques. It is intended to rectify the misconception about the fund-growing techniques which may be wrongly perceived as an unrealistic and speculative means, and promote the right understanding of the fund-growing techniques in order to highlight the necessity and importance of the fund-growing techniques. Second, this study examined the fund-growing activities of wage workers. In intended to look into their interest and participation in the fund-growing activities of wage workers and the purpose and portfolio composition of the fund-growing, so as to analyze the situation related to their fund-growing activities. The accurate examination of the situation related to their trend and related problems, and the proposal of alternative plan based on the analysis and related criteria. Finally, this study researched on successful way to grow funds. In consideration that a majority of wage workers, who are individual investors, end up with loss, this study explored the desirable strategy and techniques for investment and fund-growing. It will be very difficult to identify a successful investment technique useful for wage workers to grow their funds, though problems may be easily found by looking into the actual activities of wage workers to grow their funds. However, this study intended to propose a fundamental solution which may facilitate the risk management and profit earning, by presenting the desirable fund-growing techniques based on the discussion and research on measures which may lead to the minimum loss and the earning of profit. Household asset management has come into the spotlight as we are living in the low interest rate environment and the aging society. Considering that there is no turning back to the double-digit interest rates of the past, a prevailing view at present, though the marker interest rate may rise in upcoming years, wage workers need to rely on different way to build their wealth, a way differentiated from their parent generation. The low childbirth rate, the most influential factor which determines the future investment environment, implies that the long-term low interest rate environment will slow down the speed of wealth accumulation and make it impossible to preserve the purchasing power in worse scenario. Therefore, it is reasonable to set up a long-term financial plan and hedge against inflation to preserve the value of asset over the long-term, and select the investment commodity which can bring maximum returns. With more influence in the financial market, wage workers need to make deep consideration and explore various ways because they directly benefit or suffer loss from a wide-ranging variety of financial commodities released by financial organizations and that is directly associated with their quality of life. They must find ways to make themselves and their families happy by pursuing successful strategies to grow their funds. Though this study is limited and requires further research, this researcher hopes that this study will provide an opportunity for wage workers to be provided with practical and important information, knowledge and guideline necessary to successfully grow their funds.