Educação financeira: um estudo sobre investimentos e aposentadoria com professores e alunos da Universidade Federal do Ceará (UFC) - Campus Sobral

Abstract

Financial education and the Brazilian social security system have been topics of important debate throughout the country. Within these debates, one of the greatest challenges has been how to discuss and propose ideas that increase the level of information of the entire population on these topics. This study aims to understand the levels of knowledge about financial education, the investor profile and the understanding of retirement among professors and students at the Federal University of Ceará – Sobral Campus. In order to achieve this objective, the technique used for data collection was an online questionnaire, applied to the target population. In addition to the social profile of the participants, the instrument sought to identify the respondents' perspectives on what they expect from retirement, knowledge of financial education, financial planning, as well as investments and debt. The results indicate that although students and professors have a reasonable knowledge of financial education and investments, the number of individuals who do not have long-term investments and who do not plan their finances, especially among students, is considerably high. Most of the interviewees agreed on the importance of having knowledge of financial education and having a financial plan, but a large percentage had not taken any courses on the subject and did not fully plan their finances. The survey also showed that efforts to disseminate knowledge of financial education and planning are still insufficient. Therefore, a change in perception is needed regarding the need to return to and encourage the study of financial education and financial planning from a young age. Therefore, the path to be taken in order to provide information and awareness to the population is long and for this to be possible, the commitment of the entire society is necessary