
Finanzwissen in der Bevölkerung: Herausforderungen für die Altersvorsorgeplanung
References
- Almenberg, J. & Säve-Söderbergh, J. (2011). Financial literacy and retirement planning in Sweden. Journal of Pension Economics & Finance, 10(4), 585–598.
- Aprea, C. & Suna, M. (2024). Finanzbildungsangebote in Deutschland: Bestandsaufnahme, kritische Würdigung und Perspektiven für die nationale Strategieentwicklung. Zeitschrift für ökonomische Bildung, 13, 238–335.
- Behrman, J. R., Mitchell, O. S., Soo, C. K. & Bravo, D. (2012). How Financial Literacy Affects Household Wealth Accumulation. American Economic Review, 102(3), 300–304.
- Beshears, J., Choi, J. J., Laibson, D., Madrian, B. C. & Milkman, K. L. (2015). The Effect of Providing Peer Information on Retirement Savings Decisions. Journal of Finance, 70(3), 1161–1201.
- Bianchi, M. (2018). Financial Literacy and Portfolio Dynamics. Journal of Finance, 73(2), 831–859.
- Börsch-Supan, A., Bucher-Koenen, T., Coppola, M. & Lamla, B. (2015). Savings in times of demographic change: Lessons from the German experience. Journal of Economic Surveys, 29(4), 807–829.
- Bucher-Koenen, T., Alessie, R., Lusardi, A. & van Rooij, M. (2025). Fearless Woman: Financial Literacy, Confidence, and Stock Market Participation. Management Science, 71(9), 7414–7430.
- Bucher-Koenen, T., Hackethal, A., Kasinger, J. & Laudenbach, C. (2022). Disparities in financial literacy, pension planning, and saving behavior. SAFE Working Paper, 362.
- Bucher-Koenen, T., Janssen, B., Knebel, C. & Tzamourani, P. (2023). Financial literacy, stock market participation, and financial wellbeing in Germany. Journal of Financial Literacy and Wellbeing, 1(3), 486–513.
- Bucher-Koenen, T. & Knebel, C. (2021). Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich? Vierteljahrshefte zur Wirtschaftsforschung, 90(1), 11–32.
- Bucher-Koenen, T. & Lusardi, A. (2011). Financial literacy and retirement planning in Germany. Journal of Pension Economics & Finance, 10(4), 565–584.
- Carlin, B., Olafsson, A. & Pagel, M. (2023). Mobile Apps and Financial Decision Making. Review of Finance, 27(3), 977–996.
- Chan, S. & Stevens, A. H. (2008). What You Don’t Know Can’t Help You: Pension Knowledge and Retirement Decision-Making. Review of Economics and Statistics, 90(2), 253–266.
- Clark, R., Lusardi, A. & Mitchell, O. S. (2017). Financial knowledge and 401(k) investment performance: a case study. Journal of Pension Economics and Finance, 16(3), 324–347.
- Cziriak, M. (2022). Households’ financial fragility during the COVID-19 pandemic in Germany. ZEW Discussion Papers, 22-070.
- D’Acunto, F., Prabhala, N. & Rossi, A. G. (2019). The Promises and Pitfalls of Robo-Advising. Review of Financial Studies, 32(5), 1983–2020.
- Daminato, C., Filippini, M. & Haufler, F. (2024). Digitalization and Retirement Contribution Behavior: Evidence from Administrative Data. Review of Financial Studies, 37(8), 2510–2549.
- Deuflhard, F., Georgarakos, D. & Inderst, R. (2019). Financial Literacy and Savings Account Returns. Journal of the European Economic Association, 17(1), 131–164.
- Dolls, M., Doerrenberg, P., Peichl, A. & Stichnoth, H. (2018). Do retirement savings increase in response to information about retirement and expected pensions? Journal of Public Economics, 158, 168–179.
- Elling, S. & Lentz, L. (2018). Tien jaar UPO: Een terugblik en vooruitblik op inhoud, doelen en effectiviteit. Design Paper, 102, 1–42. Netspar Industry Series.
- EU – Europäische Union. (2025). EU to boost financial literacy and investment opportunities for citizens [Press release]. European Commission, IP/25/2236.
- Fornero, E. & Monticone, C. (2011). Financial literacy and pension plan participation in Italy. Journal of Pension Economics and Finance, 10(4), 547–564.
- Goda, G. S., Manchester, C. F. & Sojourner, A. J. (2014). What will my account really be worth? Experimental evidence on how retirement income projections affect saving. Journal of Public Economics, 119, 80–92.
- Haupt, M. (2014). Konsumentensouveränität im Bereich privater Altersvorsorge: Informationen und Institutionen.
- Hentzen, J. K., Hoffmann, A. O. I. & Dolan, R. M. (2022). Which consumers are more likely to adopt a retirement app and how does it explain mobile technology-enabled retirement engagement? International Journal of Consumer Studies, 46(2), 368–390.
- Kaiser, T., Lusardi, A., Mitchell, O. S. & Oberrauch, L. (2026). Measuring Financial Literacy with the Big Three: Why It Works. NBER Working Paper, 35342. National Bureau of Economic Research.
- Kalda, A., Loos, B., Previtero, A. & Hackethal, A. (2021). Smart(Phone) Investing? A within Investor-time Analysis of New Technologies and Trading Behavior. NBER Working Paper Series, 28363.
- Lusardi, A., Michaud, P.-C. & Mitchell, O. S. (2017). Optimal Financial Knowledge and Wealth Inequality. Journal of Political Economy, 125(2), 431–477.
- Lusardi, A. & Mitchell, O. S. (2007). Baby Boomer retirement security: The roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, 54(1), 205–224.
- Lusardi, A. & Mitchell, O. S. (2008). Planning and Financial Literacy: How Do Women Fare? American Economic Review, 98(2), 413–417.
- Lusardi, A. & Mitchell, O. S. (2011). Financial Literacy and Planning: Implications for Retirement Well-being. In A. Lusardi & O. S. Mitchell (2011), Financial Literacy: Implications for Retirement Security and the Financial Marketplace (S. 17–49). Oxford Press.
- Lusardi, A. & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44.
- Lusardi, A. & Mitchell, O. S. (2023). The Importance of Financial Literacy: Opening a New Field. Journal of Economic Perspectives, 37(4), 137–154.
- Lusardi, A., Mitchell, O. S. & Oggero, N. (2020). Debt and Financial Vulnerability on the Verge of Retirement. Journal of Money, Credit and Banking, 52(5), 1005–1034.
- Lusardi, A., Mitchell, O. S. & Oggero, N. (2026). Understanding debt in the older population. Journal of Pension Economics & Finance, 25(1), 25–42.
- Lusardi, A. & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics and Finance, 14(4), 332–368.
- Mastrobuoni, G. (2011). The role of information for retirement behavior: Evidence based on the stepwise introduction of the Social Security Statement. Journal of Public Economics, 95(7–8), 913–925.
- OECD – Organisation for Economic Co-operation and Development. (2016). OECD/INFE International Survey of Adult Financial Literacy Competencies. OECD Publishing.
- OECD – Organisation for Economic Co-operation and Development. (2017). G20/OECD INFE Report on ensuring financial education and consumer protection for all in the digital age. OECD Publishing.
- OECD – Organisation for Economic Co-operation and Development. (2024). Strengthening Financial Literacy in Germany: Proposal for a National Financial Literacy Strategy. OECD Publishing.
- Oggero, N., Figari, F., Fornero, E. & Rossi, M. (2023). Support for pension reforms: What is the role of financial literacy and pension knowledge? Journal of Accounting and Public Policy, 42(4), 107096.
- van Rooij, M., Alessie, R. & Lusardi, A. (2024). Financial literacy in the DNB Household Survey: insights from innovative data collection. Journal of Financial Literacy and Wellbeing, 2(1), 21–37.
- van Rooij, M., Lusardi, A. & Alessie, R. (2011). Financial literacy and stock market participation. Journal of Financial Economics, 101(2), 449–472.
- van Rooij, M. C. J., Lusardi, A. & Alessie, R. J. M. (2012). Financial Literacy, Retirement Planning and Household Wealth. The Economic Journal, 122(560), 449–478.
- Von Gaudecker, H.-M. (2015). How Does Household Portfolio Diversification Vary with Financial Literacy and Financial Advice? Journal of Finance, 70(2), 489–507.
- Wiersma, J. T. E., Alessie, R. J. M., Kalwij, A. S., Lusardi, A. & van Rooij, M. C. J. (2025). Skating on Thin Ice: New Evidence on Financial Fragility. Journal of Consumer Affairs, 59(2), e70017.
- Yakoboski, P., Lusardi, A. & Hasler, A. (2022). How Financial Literacy Varies Among U.S. Adults: The 2022 TIAA Institute-GFLEC Personal Finance Index. TIAA Institute Research Paper Serie, 2022-01.
- Yakoboski, P. J., Lusardi, A. & Hasler, A. (2023). Financial literacy, longevity literacy, and retirement readiness. SSRN Electronic Journal.
Language: German, English
Page range: 481 - 487
Published on: Aug 6, 2026
Published by: ZBW – Leibniz-Informationszentrum Wirtschaft
In partnership with: Paradigm Publishing Services
Publication frequency: 12 issues per year
Related subjects:
© 2026 Tabea Bucher-Koenen, Caroline Knebel-Seitz, Sara Gregori, published by ZBW – Leibniz-Informationszentrum Wirtschaft
This work is licensed under the Creative Commons Attribution 4.0 License.