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<\/p>\n\u00deann 16. ma\u00ed 2025 f\u00f3r fram fyrirlestur \u00e1 vegum ranns\u00f3knarstofnunar l\u00edfeyrism\u00e1la \u00fear sem Arna \u00d3lafsson, lektor \u00ed fj\u00e1rm\u00e1lum vi\u00f0 Copenhagen Business School, flutti erindi um \u00e1hrif barneigna \u00e1 sparna\u00f0. Ranns\u00f3knin byggir \u00e1 \u00edtarlegum g\u00f6gnum fr\u00e1 \u00edslenskum vi\u00f0skiptabanka \u00e1samt spurningalistum sem sendir voru \u00e1 vi\u00f0skiptavini bankans.<\/p>\n
Helstu ni\u00f0urst\u00f6\u00f0ur eru \u00fe\u00e6r a\u00f0 f\u00e6\u00f0ing fyrsta barns foreldra hefur mismunandi \u00e1hrif \u00e1 fj\u00e1rm\u00e1la\u00e1kvar\u00f0anir \u00feeirra. Laun kvenna l\u00e6kka markt\u00e6kt vi\u00f0 komu fyrsta barns (\u00ed samanbur\u00f0i vi\u00f0 fe\u00f0ur) en \u00fear a\u00f0 auki eru konur l\u00edklegri til a\u00f0 draga \u00far sparna\u00f0i s\u00ednum og \u00f3l\u00edklegri a\u00f0 kaupa ver\u00f0br\u00e9f \u00ed samanbur\u00f0i vi\u00f0 n\u00fdbaka fe\u00f0ur.<\/p>\n
\u00c1 myndinni h\u00e9r a\u00f0 ne\u00f0an s\u00e9st mat \u00e1 \u00fev\u00ed hvort einstaklingurinn lag\u00f0i inn \u00e1 sparireikning, eftir kyni, \u00ed kringum f\u00e6\u00f0ingu barns. Myndin s\u00fdnir a\u00f0 m\u00e6\u00f0ur draga markt\u00e6kt \u00far sparna\u00f0i s\u00ednum fr\u00e1 f\u00e6\u00f0ingu fyrsta barns en fe\u00f0ur gera \u00fea\u00f0 \u00ed gr\u00f3fum dr\u00e1ttum ekki. \u00c1 l\u00e1r\u00e9tta \u00e1snum eru m\u00e1nu\u00f0ir \u00ed kringum f\u00e6\u00f0ingu barns sem \u00e1 s\u00e9r sta\u00f0 \u00e1 t=0. L\u00f3\u00f0r\u00e9tta l\u00ednan er vi\u00f0mi\u00f0unarm\u00e1nu\u00f0ur, u.\u00fe.b. einum m\u00e1nu\u00f0i fyrir getna\u00f0 barns.<\/p>\n
\u00dea\u00f0 vir\u00f0ist einnig vera munur \u00ed s\u00e9reignarsparna\u00f0i, \u00fear sem konur draga \u00far honum eftir f\u00e6\u00f0ingu en karlar gera \u00fea\u00f0 ekki, sj\u00e1 mynd h\u00e9r a\u00f0 ne\u00f0an (Figure 4).![\"\"](\"https:\/\/pension-research.is\/wp-content\/uploads\/2025\/02\/Arna-Picture2-300x187.png\")
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\u00cd lj\u00f3si \u00feess a\u00f0 flest fyrstu b\u00f6rn \u00edslenskra kvenna eru f\u00e6dd utan hj\u00f3nabands og a\u00f0 st\u00f3r hluti n\u00fdbaka\u00f0ra foreldra sl\u00edta sambandi s\u00ed\u00f0ar \u00e1 \u00e6vinni hefur \u00feessi munur raunveruleg \u00e1hrif \u00e1 efnahagslega st\u00f6\u00f0u foreldranna, og er ekki jafna\u00f0ur \u00fat vi\u00f0 skilna\u00f0.<\/p>\n
L\u00edflegar umr\u00e6\u00f0ur sk\u00f6pu\u00f0ust eftir fyrirlesturinn \u00fear sem mismunandi sj\u00f3narmi\u00f0 komu fram til a\u00f0 \u00fatsk\u00fdra \u00feennan mun \u00ed sparna\u00f0arheg\u00f0un kynjanna. \u00dear kom m.a. fram a\u00f0 \u00fea\u00f0 er munur \u00e1 innst\u00e6\u00f0um \u00e1 sparna\u00f0arreikningum barna eftir kyni, \u00fear sem str\u00e1kar ni\u00f0ur \u00ed 2ja \u00e1ra aldur eru me\u00f0 markt\u00e6kt meira \u00e1 s\u00ednum reikningum en st\u00f6llur \u00feeirra.<\/p>\n
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\u00fatdr\u00e1ttur \u00e1 ensku:<\/p>\n
Child Penalties in Personal Finances:<\/strong> Using detailed and comprehensive bank data, we study the impacts that children have Me\u00f0h\u00f6fundur: David Westerheide<\/p>\n Arna er pr\u00f3fessor \u00ed fj\u00e1rm\u00e1lum vi\u00f0 Copenhagen Business School. Sj\u00e1 meira um \u00d6rnu h\u00e9r<\/a>.<\/strong><\/p>\n <\/p>\n
\nEvidence from Bank Data<\/strong><\/p>\n
\non gender gaps in financial choices. It is well established that women are, on average,
\nless likely to participate in risky asset markets and save less. We show that the arrival of
\nchildren contributes to the gender gaps in these financial choices: At the exact point in
\ntime when women become mothers their propensity to participate in risky asset markets
\ndrops and their propensity to save through savings accounts does as well, the amounts
\nthey hold in savings accounts is reduced as well as their average monthly savings, and they
\ndraw down their private pensions. These outcomes are unaffected as men become fathers.
\nWe therefore conclude there are \u201cchild penalties\u201d in personal finances that contribute to
\nthe gender gaps in financial choices.<\/p>\n