Wpływ motywu spadku na decyzje oszczędnościowe w świetle badań własnych

LCH and PIH, named as Life Cycle model constitute the dominant, normative saving theory. As it is presented by numerous studies, while confronted with real human behaviours this model is doubtful. One of the model assumptions is consumption smoothing in time. In long term this phenomenon is related to notion of saving adequacy, whose size should let keep the previous level of consumption also at retired age. The studies carried out on this problem prove in many cases that the consumption level in this period of time diminishes. One of the reasons for such situation is willingness of individuals to leave bequest. The aim of article is to present the main approaches and models relating to creating and leaving of bequest and the analysis of bequest motive impact on saving decisions among individuals in the light of the surveys carried out in cooperation with IIBR between 27.02.2013 and 1.03.2013.