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31.
Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education 总被引:2,自引:0,他引:2
Economists are beginning to investigate the causes and
consequences of financial illiteracy to better understand
why retirement planning is lacking and why so many
households arrive close to retirement with little or no
wealth. Our review reveals that many households are
unfamiliar with even the most basic economic concepts
needed to make saving and investment decisions. Such
financial illiteracy is widespread: the young and older
people in the United States and other countries appear
woefully under-informed about basic financial concepts,
with serious implications for saving, retirement planning,
mortgages, and other decisions. In response, governments
and several nonprofit organizations have undertaken initiatives
to enhance financial literacy. The experience of other countries, including a saving campaign in Japan
as well as the Swedish pension privatization program,
offers insights into possible roles for financial literacy
and saving programs.
JEL Classification A2, G2 相似文献