{"id":2176,"date":"2024-01-29T11:51:45","date_gmt":"2024-01-29T11:51:45","guid":{"rendered":"https:\/\/price.tonaflod.is\/?page_id=2176"},"modified":"2024-04-16T13:10:07","modified_gmt":"2024-04-16T13:10:07","slug":"rannsoknir-i-vinnslu","status":"publish","type":"page","link":"https:\/\/pension-research.is\/en\/rannsoknir\/rannsoknir-i-vinnslu\/","title":{"rendered":"Ranns\u00f3knir \u00ed vinnslu"},"content":{"rendered":"
Ranns\u00f3kn \u00e1 \u00e1hrifum h\u00e6kka\u00f0s framlags vinnuveitenda \u00ed l\u00edfeyrissj\u00f3\u00f0 \u00e1 sparna\u00f0arheg\u00f0un f\u00f3lks (sj\u00e1 n\u00e1nar<\/a>)<\/h5>\n

H\u00f6fundar<\/strong>: Svend Hougaard Jensen<\/a>, Sigur\u00f0ur P\u00e1ll \u00d3lafsson<\/a>, Arnaldur Sm\u00e1ri Stef\u00e1nsson<\/a>, \u00deorsteinn Sigur\u00f0ur Sveinsson<\/a> og Gylfi Zoega<\/a><\/p>\n

\u00datdr\u00e1ttur<\/strong>: \u00c1rin 2016-18 h\u00e6kka\u00f0i framlag margra atvinnurekenda \u00e1 almennum vinnumarka\u00f0i til skyldul\u00edfeyrissparna\u00f0ar \u00e1 sama t\u00edma og framlag til opinberra starfsmanna h\u00e9lst \u00f3breytt. H\u00e9r er \u00fev\u00ed um n\u00e1tt\u00farulega tilraun a\u00f0 r\u00e6\u00f0a. Fari\u00f0 er \u00ed saumana \u00e1 \u00fev\u00ed hva\u00f0a \u00e1hrif \u00feessi breyting \u00ed skyldul\u00edfeyrissparna\u00f0i haf\u00f0i \u00e1 annan sparna\u00f0 einstaklinga. Ranns\u00f3knin byggir \u00e1 g\u00f6gnum fengnum \u00far skattask\u00fdrslum allra landsmanna. Ni\u00f0urst\u00f6\u00f0ur eru \u00fe\u00e6r a\u00f0 annar sparna\u00f0ur dr\u00f3st ekki saman \u00feegar skyldusparna\u00f0ur j\u00f3kst, \u00fevert \u00e1 kenningar um neysludreifingu yfir t\u00edma (e. intertemporal consumption smoothing). Ni\u00f0urst\u00f6\u00f0ur spurningak\u00f6nnunar sem ger\u00f0 var sem hluti af \u00feessari ranns\u00f3kn benda til \u00feess a\u00f0 \u00e1 heildina liti\u00f0 s\u00e9 \u00feekking almennings \u00e1 l\u00edfeyriskerfinu takm\u00f6rku\u00f0 og a\u00f0 f\u00e1ir hafi vita\u00f0 a\u00f0 framlagi\u00f0 til skyldul\u00edfeyrissparna\u00f0ar hafi h\u00e6kka\u00f0.<\/p>\n

\n

 <\/p>\n

Ranns\u00f3kn \u00e1 samhengi menntunarstigs og neysluhneig\u00f0ar fr\u00e1 v\u00f6ggu til grafar (sj\u00e1 n\u00e1nar<\/a>)<\/h5>\n

H\u00f6fundar<\/strong>: Svend Hougaard Jensen<\/a>, Sigur\u00f0ur P\u00e1ll \u00d3lafsson<\/a>, \u00deorsteinn Sigur\u00f0ur Sveinsson<\/a> og Gylfi Zoega<\/a><\/p>\n

\u00datdr\u00e1ttur<\/strong>: \u00cd ritger\u00f0inni eru notu\u00f0 g\u00f6gn \u00far skattsk\u00fdrslum allra landsmanna \u00e1rin 2005-2019 til \u00feess a\u00f0 rannsaka hvernig tekjur og neysla \u00fer\u00f3ast yfir \u00e6vi f\u00f3lks me\u00f0 menntun \u00e1 mismunandi n\u00e1msstigi. \u00deetta t\u00edmabil n\u00e6r yfir fj\u00e1rm\u00e1la\u00e1falli\u00f0 2008 en \u00ed kringum \u00fea\u00f0 voru talsver\u00f0ar sveiflur \u00ed r\u00e1\u00f0st\u00f6funartekjum. Einnig er rannsaka\u00f0 hvernig ja\u00f0arneysluhneig\u00f0 (breyting \u00ed neyslu \u00feegar tekjur breytast) fylgir menntunarstigi. Helstu ni\u00f0urst\u00f6\u00f0ur eru \u00fe\u00e6r a\u00f0 einstaklingar me\u00f0 h\u00e1sk\u00f3lamenntun jafna neyslu (e. consumption smoothing) meira yfir \u00e6vina en a\u00f0rir. \u00de\u00e1 er ja\u00f0arneysluhneig\u00f0 a\u00f0 jafna\u00f0i l\u00e6gri me\u00f0al \u00feeirra sem hafa h\u00e6rra menntunarstig, \u00fe.e. neysla \u00feeirra breytist minna en annarra vi\u00f0 tekjubreytingar. \u00deeir sem hafa loki\u00f0 n\u00e1mi \u00e1 framhaldssk\u00f3lastigi hafa l\u00e6gri ja\u00f0arneysluhneig\u00f0 en \u00feeir sem hafa einungis loki\u00f0 grunnsk\u00f3lapr\u00f3fi og \u00feeir h\u00e1sk\u00f3lamenntu\u00f0u hafa a\u00f0 sama skapi l\u00e6gstu ja\u00f0arneysluhneig\u00f0ina. Ni\u00f0urst\u00f6\u00f0ur ritger\u00f0arinnar benda \u00fev\u00ed til a\u00f0 h\u00e6rra menntunarstig dempi hagsveiflur vegna \u00feess a\u00f0 sveiflur framlei\u00f0slu og tekna hafa minni \u00e1hrif \u00e1 einkaneyslu heimla..<\/p>\n

\n
<\/h5>\n
Ranns\u00f3kn \u00e1 \u00e1hrifum fj\u00e1rm\u00e1lahrunsins 2008 \u00e1 sparna\u00f0arheg\u00f0un \u00cdslendinga<\/h5>\n

H\u00f6fundur<\/strong>:\u00a0Sigur\u00f0ur P\u00e1ll \u00d3lafsson<\/a><\/p>\n

\u00datdr\u00e1ttur<\/strong>:\u00a0 \u00cd ranns\u00f3kninni eru skattag\u00f6gn notu\u00f0 til \u00feess a\u00f0 meta \u00e1hrif fj\u00e1rm\u00e1la\u00e1falssins 2008 \u00e1 neyslu- og sparna\u00f0arheg\u00f0un \u00cdslendinga. T\u00edmabili\u00f0 sem er lagt til grundvallar \u00ed ranns\u00f3kninni n\u00e6r yfir efnahagslegu uppsveifluna \u00e1 \u00e1runum fyrir fj\u00e1rm\u00e1lakreppuna, fall bankanna og fj\u00e1rm\u00e1lakreppuna\u00a0 og \u00e1rin eftir kreppuna.\u00a0 Miklar sveiflur tekna og mikil \u00f3vissa um framt\u00ed\u00f0ar\u00fer\u00f3un r\u00e1\u00f0st\u00f6funartekna gefur t\u00e6kif\u00e6ri til \u00feess a\u00f0 meta breytingar \u00e1 sparna\u00f0arhneig\u00f0 \u00cdslendinga, einkum vark\u00e1rnissparna\u00f0i sem \u00e6tla\u00f0 er a\u00f0 m\u00e6ta \u00f3v\u00e6ntum \u00e1f\u00f6llum \u00ed framt\u00ed\u00f0inni. Metnar eru l\u00edkur \u00e1 atvinnumissi fyrir hvern skattgrei\u00f0anda og s\u00ed\u00f0an eru \u00e1hrif \u00feessa \u00fe\u00e1ttar \u00e1 einkaneyslu metin. Ni\u00f0urst\u00f6\u00f0ur benda til \u00feess a\u00f0 auknar l\u00edkur \u00e1 atvinnumissi dragi \u00far einkaneyslu til lengri t\u00edma. \u00deessi \u00e1hrif eru s\u00e9rstaklega sterk fyrir heimili me\u00f0 ver\u00f0trygg\u00f0 l\u00e1n. Heimili sem voru skuldug \u00ed ver\u00f0trygg\u00f0um l\u00e1num l\u00e6kku\u00f0u \u00feannig einkaneyslu s\u00edna meira en hin sem h\u00f6f\u00f0u minni skuldir.<\/p>\n

\n

 <\/p>\n

Ranns\u00f3kn \u00e1 sparna\u00f0arheg\u00f0un l\u00edfeyris\u00feegar \u00e1 \u00cdslandi<\/h5>\n

H\u00f6fundar<\/strong>: Torben M Andersen<\/a>, Andri S Scheving<\/a> og Gylfi Zoega<\/a><\/p>\n

\u00datdr\u00e1ttur<\/strong>: \u00deessi ranns\u00f3kn sn\u00fdst um a\u00f0 m\u00e6la sparna\u00f0 f\u00f3lks sem er h\u00e6tt \u00fe\u00e1ttt\u00f6ku \u00e1 vinnumarka\u00f0i. Ni\u00f0urst\u00f6\u00f0ur s\u00fdna a\u00f0 einstaklingar halda \u00e1fram a\u00f0 spara \u00fe\u00f3tt starfs\u00e6vinni s\u00e9 loki\u00f0. \u00deetta er \u00e1hugavert \u00ed al\u00fej\u00f3\u00f0legu samhengi vegna \u00feess a\u00f0 \u00e1 \u00cdslandi \u00fearf ekki a\u00f0 spara til \u00feess a\u00f0 m\u00e6ta v\u00e6ntanlegum kostna\u00f0i vi\u00f0 heilbrig\u00f0is\u00fej\u00f3nustu og dv\u00f6l \u00e1 hj\u00fakrunarheimilum eins og reyndin er t.d. \u00ed Bandar\u00edkjunum. Umfang sparna\u00f0ar fer eftir fj\u00f6lda uppkominna barna, tekjum barna og sparna\u00f0i \u00feeirra. Sparna\u00f0ur l\u00e6kkar miki\u00f0 og ver\u00f0ur neikv\u00e6\u00f0ur \u00e1rin eftir fr\u00e1fall maka sem bendir til \u00feess a\u00f0 eftirlifandi foreldri grei\u00f0i uppkomnum b\u00f6rnum \u00fat arf.<\/p>\n

\n

 <\/p>\n

Ranns\u00f3kn \u00e1 \u00fev\u00ed hva\u00f0 \u00e1kvar\u00f0ar snemmt\u00f6ku l\u00edfeyris<\/h5>\n

H\u00f6fundar<\/strong>: Torben M Andersen<\/a>, Andri S Scheving<\/a> og Gylfi Zoega<\/a><\/p>\n

\u00datdr\u00e1ttur<\/strong>: \u00c1 \u00cdslandi er algengt a\u00f0 f\u00f3lk \u00e1 sj\u00f6tugsaldri fari \u00ed hlutastarf e\u00f0a hverfi af vinnumarka\u00f0i \u00e1\u00f0ur en l\u00f6gbundnum eftirlaunaaldri er n\u00e1\u00f0. \u00cd ranns\u00f3kn \u00feessari er rannsaka\u00f0 hva\u00f0a \u00fe\u00e6ttir orsaka snemmt\u00f6ku l\u00edfeyris. Horft er til hj\u00f3nabandsst\u00f6\u00f0u, vinnumarka\u00f0s\u00fe\u00e1ttt\u00f6ku maka, launatekna, l\u00edfeyris, eignarhalds \u00e1 h\u00fasn\u00e6\u00f0i og skulda. B\u00faist er vi\u00f0 a\u00f0 ni\u00f0urst\u00f6\u00f0ur liggi fyrir \u00ed lok sumars 2024.<\/p>","protected":false},"excerpt":{"rendered":"

Ranns\u00f3kn \u00e1 \u00e1hrifum h\u00e6kka\u00f0s framlags vinnuveitenda \u00ed l\u00edfeyrissj\u00f3\u00f0 \u00e1 sparna\u00f0arheg\u00f0un f\u00f3lks (sj\u00e1 n\u00e1nar) H\u00f6fundar: Svend Hougaard Jensen, Sigur\u00f0ur P\u00e1ll \u00d3lafsson, Arnaldur Sm\u00e1ri Stef\u00e1nsson, \u00deorsteinn Sigur\u00f0ur Sveinsson og Gylfi Zoega \u00datdr\u00e1ttur: \u00c1rin 2016-18 h\u00e6kka\u00f0i framlag margra atvinnurekenda \u00e1 almennum vinnumarka\u00f0i til skyldul\u00edfeyrissparna\u00f0ar \u00e1 sama t\u00edma og framlag til opinberra starfsmanna h\u00e9lst \u00f3breytt. H\u00e9r er \u00fev\u00ed um […]<\/p>","protected":false},"author":2,"featured_media":0,"parent":1668,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2176","page","type-page","status-publish","hentry","wpbf-post"],"acf":[],"_links":{"self":[{"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/pages\/2176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/comments?post=2176"}],"version-history":[{"count":39,"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/pages\/2176\/revisions"}],"predecessor-version":[{"id":2698,"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/pages\/2176\/revisions\/2698"}],"up":[{"embeddable":true,"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/pages\/1668"}],"wp:attachment":[{"href":"https:\/\/pension-research.is\/en\/wp-json\/wp\/v2\/media?parent=2176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}