Zur finanziellen Bildung der privaten Haushalte in Deutschland: Ausgewählte Ergebnisse aus der Studie „Private Haushalte und ihre Finanzen (PHF)“
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Zur finanziellen Bildung der privaten Haushalte in Deutschland: Ausgewählte Ergebnisse aus der Studie „Private Haushalte und ihre Finanzen (PHF)“
Schmidt, Tobias | Tzamourani, Panagiota
Vierteljahrshefte zur Wirtschaftsforschung, Vol. 86(2017), Iss. 4 : pp. 31–49 | First published online: June 20, 2018
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Deutsche Bundesbank
Deutsche Bundesbank
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Abstract
As financial products get increasingly complex as private pensions become more important for old-age provision, households face more and more important and far-reaching financial decisions. Therefore financial literacy and financial knowledge are becoming ever more important. Measuring financial literacy and its implications is thus an important concern. The ?Panel on household finances (PHF)' data shows that about 60 percent of the responding households have a high financial literacy, as measured by the three standard financial literacy questions on understanding of inflation, interest rates and portfolio diversification. The level of financial literacy differs by households’ and individuals’ characteristics. Persons in households with high income or high wealth exhibit higher literacy levels than other households, for example. Different levels of financial literacy are correlated with different investment decisions. Households with high literacy are more likely to own securities and more willing to take at least average investment risks.