Análise dos aspectos comportamentais dos investimentos financeiros utilizados pelos membros da comunidade da universidade federal do Ceará

Abstract

The easy access to credit and the increase in the population's consumption have resulted in personal indebtedness or little savings, as many individuals start to commit a significant portion of their income to the purchase of goods and services, sometimes motivated by behavioral aspects. Behavioral finance literature indicates that the level of financial education can influence the behavior of individuals when making decisions about their financial investments or dealing with indebtedness. Notoriously, behavioral biases can be reflected in investors' attitudes. That said, this work investigates whether the financial products chosen by members of the academic community at UFC (Federal University of Ceará) and their level of financial education are related to behavioral biases cataloged in the literature. The investigation was carried out through a questionnaire applied to the entire UFC community. It seeks to assess the relationship between socioeconomic variables (such as gender, age, income and education) with indebtedness, resulting in their investment choices in order to draw a profile. The results show the notorious presence of two biases: the present bias and loss aversion.