Planning and Financial Literacy: How Do Women Fare?
利用2004年健康与退休研究数据，发现老年女性金融素养低于整体老年人口，且金融素养低的女性更少为退休做规划，这对促进老年金融安全的政策有启示。
Many older US households have done little or no planning for retirement, and there is a substantial population that seems to undersave for retirement. Of particular concern is the relative position of older women, who are more vulnerable to old-age poverty due to their longer longevity. This paper uses data from a special module we devised on planning and financial literacy in the 2004 Health and Retirement Study. It shows that women display much lower levels of financial literacy than the older population as a whole. In addition, women who are less financially literate are also less likely to plan for retirement and be successful planners. These findings have important implications for policy and for programs aimed at fostering financial security at older ages.