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نتیجه جستجو - توصیه مالی

تعداد مقالات یافته شده: 2
ردیف عنوان نوع
1 It takes two to Tango: Households’ response to financial advice and the role of financial literacy
دو تانگو طول می کشد: پاسخ خانوادگی به توصیه مالی و نقش سواد مالی-2018
Using a unique dataset of over 6000 clients of a German advisory firm who have received rule-based financial advice on basic retirement provision and the insurance of major life risks, we investigate households’ response to advice when the risk of product misselling is effectively minimized. Overall, we document a low degree of following standardized financial advice: two thirds of the households under review ignore the advice completely and if they choose to heed it, they tend to follow it only to a relatively little extent. Moreover, we find that standardized financial advice is not able to break up the negative effect of financial literacy on following advisors’ recommendations. Instead, even in a setting where the potential for misselling is mitigated, the negative impact of advisees’ financial knowledge on their propensity to implement financial advice remains statistically and economically significant for all advisees under review except for the affluent households. Our findings support the notion that an increase in financial literacy leads to a higher confidence in ones own judgment and prompts individuals to use financial advice as just another source of information they process when making their financial decisions.
keywords: Financial advice |Financial literacy |Household finance |Retirement provision
مقاله انگلیسی
2 Peer effects, personal characteristics and asset allocation
تاثیرات همتا، ویژگی های فردی و تخصیص دارایی-2018
We study the relative importance of social factors (including household, workplace, and neighborhood peer effects) and personal characteristics (including age, gender, tax rates, and funds under management) for asset allocation decisions. The most important factors (in order) are household peer effects, personal characteristics and workplace peer effects. Neighborhood peer effects and financial advice play a less important role. We use instrumental variables for both household and workplace peer effects and find results that are consistent with causal peer effects.
keywords: Asset allocation |Behavioral finance |Financial advice |Household finance |Individual investors |Mutual funds |Personal characteristics |Peer effects |Social
مقاله انگلیسی
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بازدید امروز: 3096 :::::::: بازدید دیروز: 3097 :::::::: بازدید کل: 37363 :::::::: افراد آنلاین: 55