{"id":409,"date":"2016-11-21T01:20:43","date_gmt":"2016-11-21T01:20:43","guid":{"rendered":"https:\/\/golfdaleconsulting.com\/?p=409"},"modified":"2020-07-17T17:57:23","modified_gmt":"2020-07-17T17:57:23","slug":"rethinking-financial-literacy","status":"publish","type":"post","link":"https:\/\/golfdaleconsulting.com\/rethinking-financial-literacy\/","title":{"rendered":"Rethinking Financial Literacy"},"content":{"rendered":"

Perhaps \u201cfinancial literacy\u201d needs new branding. It sounds \u2014 and dare I say often is \u2014 boring. It is often impersonal and irrelevant. The term also sounds condescending \u2014 throwing around statistics such as only\u00a022% of men and 15% of women possess basic financial literacy<\/a>\u00a0is not helpful in a vacuum and makes us feel \u201cilliterate\u201d. It\u2019s like the days in school when someone told us we are bad in math (or physics or some other subject), which turned us off it for good rather than motivating us to do better. We need to reach people in authentic ways, in an approachable manner and \u201cin the moment\u201d. Hoping that those lacking financial \u201cliteracy\u201d will become spontaneously interested and start reading the plethora of materials produced by financial organisations, companies and governments is just not realistic.<\/p>\n

Financial Information Is Complex<\/h4>\n

Financial products and services, and therefore the information about them, is complex. Even the most simplified and gamified education materials are not easy to absorb, and even harder to retain in the long run. That does not mean we can\u2019t all learn more about managing our financial needs and be more successful in setting and achieving goals. It just means that we need to change our mindset around what financial literacy means and bring it down to the individual level rather than looking at it as a societal score-card. Not everybody needs to understand the whole enchilada of products and services, practice how to calculate compound interest, be able to set target rates of return, etc. But everybody deserves to understand their own needs, have basic tools to set financial goals and have positive reinforcement along the way. Let\u2019s not try to shame people into being financially literate but instead, nudge them to become financially successful.<\/p>\n

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Let\u2019s not try to shame people into being financially \u201cliterate\u201d but instead, nudge them to become financially successful.<\/p>\n<\/blockquote>\n

In her paper\u00a0The Financial Education Fallacy<\/a>, Lauren E. Willis describes how the complexity of financial decisions and the heterogeneity of consumer financial circumstances and values makes it impossible to offer mass public education campaigns effectively. Instead, intensive, audience-tailored instruction would be required, Willis argues. But she then points out that delivering such personalised financial education would be too expensive and too intrusive. I agree with Willis\u2019 articulation of the problem, but I disagree that her solution is unachievable. If we have all gone the way of one-to-one marketing for the consumption of virtually any product, why would we not provide one-to-one consumer education to improve personal financial outcomes and personal financial knowledge? The key to doing so is to factor in the role that financial advisors can play to educate the public.<\/p>\n

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The reality is that most consumers are unable to make good financial decisions by themselves and need help. But accessing and processing the information to make good decisions is more challenging for some consumers than for others, such as elders suffering cognitive decline and those with language and educational barriers. There is even a gap in financial knowledge between men and women.<\/p>\n

Given that a higher level of financial knowledge is correlated with a greater degree of retirement preparation, as well as other desirable financial behaviours, isn\u2019t it time we take more effective action on increasing personal financial awareness? Although poor financial decision-making cuts across socio-economic categories, it is most pronounced among the poorest, oldest, youngest, least financially literate, least educated consumers \u2014 in other words, those most vulnerable financially to begin with.<\/p>\n

Role of Financial Advisors<\/h4>\n

Access to financial advice has positive benefits for consumers of all income and education levels, but it has the most profound impact on consumers who lack financial knowledge. Advice can significantly improve financial outcomes as well as improve general financial literacy. Advisors provide consumers with information and choices relevant to their particular circumstances at the time of planning rather than a consumer reading theoretical and generic information with \u201cwhat if\u201d scenarios. Advisors assist clients by applying their expertise, guiding clients away from common behavioural biases and encouraging the development of positive financial behaviours, ultimately leading to better financial outcomes. A longitudinal study of Canadian households found that after four years, advised households\u2019 assets are 190 percent greater than those of unadvised households. This gap rises to 390 per cent after fifteen years (Montmarquette and Viennot-Briot, 2016<\/a>). A recent survey of advised investors in Canada finds that clients\u2019 perception of the value of advice is aligned with the empirical evidence. More than 80% of respondents credit their adviser for their improved savings and investment habits (Pollara 2015<\/a>).<\/p>\n

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By reaching consumers with information that is personalised and presented in the moment needed, knowledgeable professionals can make great strides in improving household financial outcomes.<\/p>\n<\/blockquote>\n

Financial advice can be the key to better financial knowledge and better personal financial outcomes. New regulatory initiatives such as the Client Relationship Model in Canada, for example, provide for improved, expanded yet simple disclosures for Mutual Funds clients. This can help tremendously in informing investors of the products and services that they are accessing, the costs associated with their choices as well as their rights and responsibilities. Similar initiatives could be helpful in other financial services areas. By reaching consumers with information that is personalised and presented in the moment needed, knowledgeable professionals can make great strides in improving household financial outcomes.<\/p>\n","protected":false},"excerpt":{"rendered":"

Financial advice can be the key to better financial knowledge and better personal financial 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