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Linda Sandris Larsen

Associate Professor

Subjects
Finance Savings Pensions Mortgage finance Securities

Primary research areas

House­hold fin­ance
Fin­an­cial de­cisions of house­holds re­gard­ing con­sump­tion, in­vest­ments, mort­gage loans, and sav­ings over the life-cycle.
Pen­sions and re­tire­ment sav­ings
Do in­di­vidu­als save enough for pen­sions, or do they save too much?
As­set al­loc­a­tion
Op­tim­al in­vest­ment strategies in fin­an­cial as­sets for the in­di­vidu­al in­vestor.

I re­veal the life-cycle im­pact of fin­an­cial de­cisions.

My research is on household finance, pensions, and retirement savings. I study how people save, invest, borrow, and spend across the life cycle, and why their real-life financial decisions often differ from what economic theory predicts. This matters because such decisions influence not only individual well-being, but also the sustainability of pension systems and financial stability in society. 

Publications

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9 September 2025

Mandatory Pension Contributions, Household Consumption, and Savings

Lin­da San­dris Lar­sen, Associate Professor

Ulf Ni­els­son, Associate Professor

Mara Nutu

Jes­per Rang­vid, Professor

Go to publication

March 2024

How Do Interest-only Mortgages Affect Consumption and Saving over the Life Cycle?

Lin­da San­dris Lar­sen, Associate Professor

Claus Munk, Professor

Jes­per Rang­vid, Professor

Go to publication

December 2023

The Design and Welfare Implications of Mandatory Pension Plans

Lin­da San­dris Lar­sen, Associate Professor

Claus Munk, Professor

Go to publication

Outside activities

Board mem­ber at Sydin­vest , 2013 -

I have been a mem­ber of the board at Sydin­vest since 2013 and served as Chair­man of the Board since 2021.