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首页> 外文期刊>Journal of consumer policy >Retirement Financial Behaviour: How Important Is Being Financially Literate?
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Retirement Financial Behaviour: How Important Is Being Financially Literate?

机译：退休金融行为：在经济上有多重要？

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摘要

Using Item Response Theory to analyse survey data from a representative sample of 551 Swedish citizens, a new 16-question measure of fact-based financial literacy is developed and validated. Uni-dimensionality of the measure is verified, and expected correlations are observed with an existing measure of fact-based financial literacy, a measure of subjective financial literacy or confidence. and age, gender, and income. A significant impact of fact-based and subjective financial literacy are found on three time-ordered stages of individuals' retirement behaviour: planning, saving, and investment management. It is concluded that policies increasing final literacy are important in different phases of the life cycle.
机译：使用项目响应理论从551名瑞典公民的代表性样本分析调查数据，制定并验证了基于事实的财务扫盲的新16号问题。验证了措施的单维性，并观察到预期的基于事实的金融扫盲措施，是主观金融扫盲或信心的衡量标准。和年龄，性别和收入。基于事实和主观的金融扫盲的重大影响是在三次有序的个人退休行为的三个时间阶段发现：规划，储蓄和投资管理。得出结论，最终识字的政策在生命周期的不同阶段非常重要。

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