<abstract xmlns="http://www.w3.org/1999/xhtml">

<p>Canadians benefit from a robust government pension system that is designed to alleviate poverty. Concerns remain that Canadians are not saving enough for retirement. This study examines whether expected reliance on Canada’s government pension system is associated with non-retired Canadians’ engagement with retirement saving behaviour. Controlling for a variety of demographic and socioeconomic factors, this study supports the hypotheses that Canadians who expect to rely on government pensions are less likely to save and/or calculate retirement needs. This may contribute to retirement shortfalls. Implications for policymakers, practitioners, and researchers are discussed.</p>
</abstract>

Canadian Retirement Planning Behavior: How Reliance on a Government Pension Relates to Pre-Retirement Savings and Planning Behaviours

<abstract xmlns="http://www.w3.org/1999/xhtml">

<p>Our study investigates the usage of Buy Now Pay Later (BNPL) of young Australian adults (aged 18-25, n=308). We found females used BNPL instead of saving. Females exhibited a higher BNPL debt, but were less concerned about that debt compared with males. Self-reported financial literacy training was lower for females compared with males. Negative financial behaviours of both females and males, e.g. binge spending, were inconsistent with their long-term financial goals. We recommend that the relevance and effectiveness of financial literacy training for young adults addresses gender-specific BNPL behaviours and includes education on the psychology of overspending.</p>
</abstract>

Spend and Repeat! Young Adult’s Experiences with Buy Now Pay Later Services

Volume 9 (2023): Issue 1 (December 2023)

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Financial Planning Research Journal

The Financial Planning Research Journal (FPRJ) is a peer-reviewed open-access journal that publishes original, applied, and topical research articles to aid understanding of the practice and policy of financial planning in Australia. Published on behalf of the Financial Advice Association Australia, our articles span topics including behavioural finance, economics, finance, financial advice, financial literacy, financial education, financial planning, financial regulation, insurance, investment, retirement, and related disciplines. The journal also includes articles from the education, ethics, law, and psychology fields where they relate to financial planning and advice.  FPRJ provides an academic platform to discuss issues around personal financial planning and wealth management, changes in the financial planning industry, and professionalism in personal finance.  Published twice a year, FPRJ focuses on matters of interest to the financial advice community that will inform the practice and/or policy of the profession. FPRJ’s readership includes academic researchers, educators, practitioners, and policymakers. FPRJ articles are included on reading lists for university students, as continuing professional development for practitioners, and as preparatory resources for the National Financial Adviser exam in Australia.  While the journal has its origins in Australia, FPRJ encourages international submissions as it seeks to expand the body of knowledge in financial advice and financial planning and contribute to the development of financial planning as a profession.  Archiving Sciendo archives the contents of this journal in Portico - digital long-term preservation service of scholarly books, journals and collections. Plagiarism Policy The editorial board is participating in a growing community of Similarity Check System users to ensure that the content published is original and trustworthy. Similarity Check is a medium that allows for comprehensive manuscript screening, aimed to eliminate plagiarism and provide a high standard and quality peer-review process.

Financial Planning Research Journal

Volume 9 (2023): Issue 1 (December 2023)

Canadian Retirement Planning Behavior: How Reliance on a Government Pension Relates to Pre-Retirement Savings and Planning Behaviours

Spend and Repeat! Young Adult’s Experiences with Buy Now Pay Later Services

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