Study of Demographic Factors and Financial Literation and its Effect on Individual Investment Decision in Generation X and Generation Y

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Valendy Pradita, Lestari Wiwik


Individual investment decision behaviors are strongly influenced by factors including demographics and financial literacy levels. The changing times such as technology developments, education levels, and income levels affect the difference of financial literacy levels between millennials and the previous ones. This study is aims to examine and analyze the influence of genders, education level, income level, investment experience, financial knowledge, financial behavior, and financial attitudes towards individual investment decisions generations X and Y. In this study it is explained that the benefits for investment decisions are to know the levels of financial literacy owned and as a material consideration in determining investment decisions wisely.

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