20 março 2023

Educação Financeira e Poupança para aposentadoria

Afinal, a educação financeira afeta as decisões financeiras das pessoas? O debate continua, agora olhando a influência na poupança para a aposentadoria: 

Since individuals are increasingly required to manage their own retirement portfolios, policy levers that increase retirement planning and saving have become increasingly important. We use variation in timing and presence of state-required personal finance coursework in high schools to estimate the effect of the financial education coursework on the likelihood of holding and amount in retirement accounts in adulthood (ages 25–40). Our results show no definitive increases in account ownership, non-retirement investment accounts, or homeownership. Since prior work finds required high school financial education improves credit and debt outcomes, we recommend that states and educators prioritize content that is more immediately relevant for 18-year-olds, such as budgeting, long-term debt, and credit.

Does financial education affect retirement savings? - Melody Harvey & Carly Urban - Journal of the Economics of Ageing, February 2023 

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