Os benefícios da educação financeira aplicados aos investimentos financeiros dos alunos da Faculdade de Economia, Administração, Atuária, Contabilidade e Secretariado Executivo da Universidade Federal do Ceará

Abstract

The financial education is becoming more prominent in Brazil with increasingly easy access to information, brazilians greater interest in acquiring information to balance their finances, as well as investing in fixed and variable income securities. Research on possible advantages that financial education brings to small investors in investment securities, in order to identify if students of the Faculdade de Economia, Administração, Atuária, Contabilidade e Secretariado Executivo of the Universidade Federal do Ceará consider that there are benefits of financial education applied to financial investments. Therefore, it is necessary to verify the perception of the importance of financial education for students, to identify which financial instruments in which these students invest and to relate these investments with their knowledge in financial education. Then, a practical research with a descriptive objective is carried out under the hypothetical-deductive method, a qualitative approach, performed with bibliographic and field research procedures. Given this, it appears that most students have had contact on the subject and carry out financial planning. Among the portion of those who invest, fixed income securities are more common and are predominantly present as they have applications in savings accounts and government bonds by the Tesouro Direto. In addition, most students agree that their knowledge of financial education helps them to make good investment choices, which means that better financial planning strengths allow them to invest and already understand their knowledge in achieving strategies in the decisions of their investments, in search of greater profitability and better risk management.