Retirement Financial Behaviour: How Important Is Being Financially Literate?
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 measur...
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| Published in | Journal of consumer policy Vol. 43; no. 3; pp. 543 - 564 |
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| Main Authors | , , , |
| Format | Journal Article |
| Language | English |
| Published |
New York
Springer US
01.09.2020
Springer Nature B.V |
| Subjects | |
| Online Access | Get full text |
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| Abstract | 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. |
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| AbstractList | 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. |
| Author | Gärling, T. Nicolini, G. Carlander, A. Hauff, J. C. |
| Author_xml | – sequence: 1 givenname: J. C. orcidid: 0000-0003-0396-4529 surname: Hauff fullname: Hauff, J. C. email: Jeanette.hauff@handels.gu.se organization: School of Business, Economics and Law, University of Gothenburg – sequence: 2 givenname: A. surname: Carlander fullname: Carlander, A. organization: Department of Psychology, University of Gothenburg – sequence: 3 givenname: T. surname: Gärling fullname: Gärling, T. organization: Department of Psychology, University of Gothenburg – sequence: 4 givenname: G. surname: Nicolini fullname: Nicolini, G. organization: Tor Vergata |
| BackLink | https://gup.ub.gu.se/publication/289354$$DView record from Swedish Publication Index |
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| Copyright | The Author(s) 2020 The Author(s) 2020. This work is published under https://creativecommons.org/licenses/by/4.0/ (the “License”). Notwithstanding the ProQuest Terms and Conditions, you may use this content in accordance with the terms of the License. |
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| SubjectTerms | age Behavior Business Administration Commercial Law correlation Economic Policy Financial literacy Financial literacy Financial retirement behaviour Survey data Literacy measures Financial planning Företagsekonomi gender income issues and policy Item response theory Literacy Marketing Original Paper planning Retirement Retirement planning Savings plans Social Sciences surveys |
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| Title | Retirement Financial Behaviour: How Important Is Being Financially Literate? |
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