Educação financeira e sua influência na formação do perfil de investidor dos discentes da FEAAC/UFC

Abstract

In a scenario in which more and more Brazilians seek knowledge in finance in order to take advantage of opportunities in the national financial market, this paper wants to understand how financial education, linked to adequate financial planning, influences the ability of consumers to deal with different situations in liquidity, profitability and risk. Bearing in mind that the research was developed considering the reality of undergraduate students at the Faculdade de Economia, Administração, Atuária e Contabilidade of Universidade Federal do Ceará, the following question was defined as the guiding question of the research: What is the influence of financial education on the investor profile of undergraduate students at FEAAC / UFC? The survey found that most students frequently consult information about financial education, with the college itself being one of its main sources of research. The financial planning, linked to the constant monitoring of its results, also proved to be common among the respondents, mainly about what they declared to identify with bolder profiles and with a lower level of loss aversion. Finally, concludes about the need to stimulate, through disciplines and extension projects, financial education with a focus on financial planning in order to overcome barriers to the development of investors more open to the most diverse opportunities in terms of risk, liquidity and profitability, as well as to train individuals capable of rationally dealing with loss aversion.