Sex Differences, Financial Education, and Retirement Goals

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1 Oxford Scholarship Online You are looking at 1-9 of 9 items for: Financial Literacy ecofin economicsfinance Sex Differences, Financial Education, and Retirement Goals Robert L. Clark, Madeleine B. d'ambrosio, Ann A. McDermed, and Kshama Sawant in Pension Design and Structure: New Lessons from Behavioral Finance Published in print: 2004 Published Online: January 2005 ISBN: eisbn: This chapter examines sex differences in retirement goals and responses to financial education seminars. Gender differences were observed in terms of desired retirement age, and savings and investment choices. Financial education seminars alter individual retirement objectives, with participants likely to raise their income objectives after the seminar. Challenges in Financial Regulation STIJN CLAESSENS in International Finance: A Survey Published in print: 2012 Published Online: May 2013 ISBN: eisbn: acprof:oso/ Financial intermediation and financial services industries have undergone many changes in the past two decades due to deregulation, technological advances, and globalization. The recent financial crisis is forcing the industry through additional sharp adjustments. The framework for regulating finance has seen many changes as well and the crisis has led to many new regulations and proposals for other changes. The objective of this chapter is to review thinking on what kind of regulatory framework is necessary to develop a financial sector that is efficient and provides proper access to households and firms, while maintaining its stability. The chapter outlines four areas of current debate: (1) the special role of banks, (2) competition policy, (3) consumer protection, and (4) the costs of regulation and harmonization of rules Page 1 of 5

2 across products, within markets, and globally. The chapter concludes with some areas where more research would be useful. Chapter Chapter Educating Pension Plan Participants William J. Arnone in Reinventing the Retirement Paradigm Published in print: 2005 Published Online: February 2006 ISBN: eisbn: This chapter argues that firms and plan sponsors have an obligation to provide financial education in conjunction with their retirement plans. A practical definition of employer-sponsored participant education is a program that helps employees develop skills to make informed decisions and take action to improve their financial well-being in retirement. This definition incorporates the following: helping individuals based on their status as employees of an organization; providing recipients with skill development, which may include either new competencies or the enhancement of existing competencies; enabling participants to make decisions about issues; providing a basis of accurate, unbiased information for such decisions; taking an action-oriented stance and thereby attempting to affect behaviour; and seeking the long-term result of improved financial well-being. Money Attitudes and Retirement Plan Design: One Size Does Not Fit All Donna M. MacFarland, Carolyn D. Marconi, and Stephen P. Utkus in Pension Design and Structure: New Lessons from Behavioral Finance Published in print: 2004 Published Online: January 2005 ISBN: eisbn: The chapter examines how workers attitudes about money and retirement planning influence their participation in defined contribution (DC) pension plans. Workers were grouped into five money attitude clusters. Individuals showed difference preferences for the types of planning activities needed to be successful in conventional DC plans. Page 2 of 5

3 Education and the Labour Market Michael Sanderson in Work and Pay in 20th Century Britain Published in print: 2007 Published Online: May 2007 ISBN: eisbn: acprof:oso/ This chapter analyses matching education to the needs of the labour market. During the 20th century, the education system and labour force structure were reasonably well matched at various points. In 1950, 68% of children received education at a secondary modern school, 28% at grammar school, and only 4% at secondary technical schools. By 1985, only 0.06% of children were at technical schools as a result of a swing away from science and technology during the 1960s. After 1950, many writers point to a shortfall in vocational skills, industrial training, and apprenticeship. Yet during this period the economy was growing strongly. Why the COAG Reform Agenda Has Floundered: Recent Developments in Federalism and Reform in Australia Stephen Howes and Sam Engele in Federal Reform Strategies: Lessons from Asia and Australia Published in print: 2013 Published Online: September 2013 ISBN: eisbn: acprof:oso/ Although Australia s modern reform era began with the election of the Hawke Government in 1983, it was not till the National Competition Policy (NCP) which ran from 1995 to 2005, that a collaborative reform effort emerged between the central and state governments. The subsequent period, covers the National Reform Agenda (NRA) which was aborted after a couple of years and the Council of Australian Governments (COAG) Reform Agenda which is currently under implementation. The interim assessment of the COAG Reform Agenda contained in this chapter identifies several problems. Its main conclusion is that that for cooperative federal reform efforts to work there has to be a basis for cooperation, namely buy-in to an agreed solution to the identified problem. Unfortunately, this seems to be missing from much of the COAG Reform Agenda. As long as that remains the case, progress is likely to be slow and tortuous. Page 3 of 5

4 The Uncertain Subjects of Everyday Investment Paul Langley in The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America Published in print: 2008 Published Online: September 2008 ISBN: eisbn: acprof:oso/ This chapter considers the embodiment of transformations in Anglo- American saving, and addresses the making of everyday investor subjects with particular reference to the pension guides produced by state agencies on both sides of the Atlantic. The chapter is organized as follows. The first part marks out a specific route to understanding the making of investor subjects. Concerns with the disciplinary assembly of the entrepreneurial self are extended to consider financial and especially investor subjectivity. The second part focuses on the calling up of everyday investor subjects in occupational and personal pension networks. Particular reference is made to the financial literacy programmes of US and UK governmental agencies in the individualization of responsibility and risk in pensions. The final part of the chapter explores the so-called investment shortfalls on both sides of the Atlantic that suggest that the subject position of the investor is not simply occupied and performed by individuals in a straightforward manner. Britain's Twentieth-Century Productivity Performance in International Perspective Stephen Broadberry and Mary O'Mahony in Work and Pay in 20th Century Britain Published in print: 2007 Published Online: May 2007 ISBN: eisbn: acprof:oso/ This chapter provides an overview of Britain's labour productivity performance during the 20th century, incorporating the catching-up and convergence perspective. It is shown that physical capital and human capital have both played an important part in Britain's productivity performance, accounting for large portions of British labour productivity growth and Britain's labour productivity gaps with the United States and continental Europe. Page 4 of 5

5 Ethics Management in Banking and Finance Boudewijn de Bruin in Capital Failure: Rebuilding Trust in Financial Services Published in print: 2014 Published Online: October 2014 ISBN: eisbn: acprof:oso/ This chapter discusses how the values which individuals hold will help to frame choices and so influence the choices that are made. If ethical issues in finance have limited moral intensity in comparison to other industries, banks will more often than in other industries fail to recognise an ethical issue and to engage in ethical behaviour. Therefore the primary task of ethics management in banking is to ensure that norms of behaviour make reference to values, and to develop tools to help management and employees to recognise ethical issues. The chapter suggests that the financial services industry would benefit from using deliberative polls, a newly developed decision-making tool. It gives an example of an ethics training programme and considers codes of ethics. Page 5 of 5

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