INVESTOR PROFILES: HOW CULTURE AND FINANCIAL EDUCATION SHAPE INVESTMENT PREFERENCES IN BRAZIL AND IN DEVELOPED COUNTRIES
DOI:
https://doi.org/10.56238/arev7n7-003Keywords:
Financial Education, Investment Preferences, Types of InvestorsAbstract
This study aims to analyze the preferences of Brazilian investors, with an emphasis on the conservative tendency that is common among many of this group. The research seeks to understand which elements, whether of historical, cultural or economic origin, drive this aversion to risk and why a significant portion of Brazilians prefer investment options that offer greater security compared to potentially more profitable alternatives, such as stocks or higher-risk investment funds. Thus, the relevance of this study is due to the need to clarify the complexity of financial behavior in Brazil, taking into account the uniqueness of the country, which is marked by periods of economic instability and a significant lack of financial education. In addition, an analysis will be carried out of the investment alternatives present in the Brazilian market, of investor preferences and of the factors that encourage a conservative stance, compared to investors from developed countries, where the investment culture is more established. The approach used will involve a thorough bibliographical research, together with secondary data, which will allow researchers to obtain detailed insights into the dynamics that affect financial decisions in Brazil. Thus, the aim is to contribute to a better understanding of financial education needs and to promote a stronger investment environment among Brazilians, considering the specificities and challenges they face in a constantly changing investment scenario.