Financiële geletterdheid en vrouwen, geen goede match?

Een nieuwe working paper van Annamaria Lusardi, Tabea Bucher-Koenen, Rob Alessie en Maarten van Rooij bekijkt in Duitsland, Nederland en de VS hoe goed vrouwen scoren op financiële geletterdheid in vergelijking met mannen. En het antwoord: niet zo best en dat kan negatieve gevolgen hebben:

We document strikingly similar gender differences in financial literacy across countries.  When asked to answer questions that measure knowledge of basic financial concepts, women are less likely than men to answer correctly and more likely to indicate that they do not know the answer.  In addition, women give themselves lower scores on financial literacy self-assessments than men.  Both young and old women show low levels of financial literacy.  Moreover, women for whom financial knowledge is likely to be very important–for example widows or single women–know little about concepts relevant for day-to-day financial decisions.  Even women in favorable economic conditions are less financially knowledgeable than men.  This is important because financial literacy has been linked to economic behavior, including retirement planning and wealth accumulation. Women live longer than men and are likely to spend time in widowhood. As a result, improving women’s financial literacy is key to helping them prepare for retirement and promoting their financial security.

De aanbevelingen voor beleid:

  • Target financial education to women. Due to their lower financial literacy and their awareness of their lower knowledge, women can profit substantially from targeted financial education programs.
  • Consider alternative ways of tailoring pension and financial communication to women. Because of their lower financial literacy, the way questions are framed may play a more important role for women than men.
  • Rethink the role of professional financial advice and consider how advisors can help women improve their financial decisions. Financial advisors are mostly used by individuals with high financial literacy, and it can be hard to judge the quality of their advice. Independent and easily understandable advice may thus be crucial to the financial decision-making of women, especially because women and men may benefit from different modes of advice.

Ik keek even de recente PISA-cijfers na, omdat ze toen ook naar economische kennis peilden, en ook hier bleken meisjes slechter te scoren, maar de OESO waarschuwde dat dit ook voor groepen jongens geldt.

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