scholarly journals Determinants Of Risk Tolerance In The Baby Boomer Cohort

2010 ◽  
Vol 8 (5) ◽  
Author(s):  
John E. Gilliam ◽  
Swarn Chatterjee ◽  
Dandan Zhu
Keyword(s):  
Educational Attainment ◽  
Baby Boomers ◽  
Perceived Risk ◽  
Financial Risk ◽  
Positive Association ◽  
Risk Tolerance ◽  
Net Worth ◽  
Higher Educational Attainment ◽  
And Gender ◽  
Using Data

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt; mso-pagination: none;"><span style="color: black; font-size: 10pt;"><span style="font-family: Times New Roman;">Using data from 26,759 respondents, this study examined the differences in financial risk tolerance among leading baby boomers and trailing baby boomers. The study also investigated differences between these two sub-cohorts in perceived risk tolerance and measured risk tolerance as determined by the FinaMetrica Risk Profiling System. The results of this study found that leading boomers were less risk tolerant than trailing boomers. Variables with a positive association with risk tolerance for both groups include higher educational attainment, income, net worth, and gender with men having higher risk tolerance than women. There was dissimilarity between married for leading boomer and trailing boomer. Being marred was negatively associated with risk tolerance for leading boomers and positive for trailing boomers. It was also found that leading boomers, those with less educational attainment, lower income earners and those with a greater number of financial dependents tend to underestimate their risk tolerance.</span></span></p>

DETERMINANTS OF TRANSITIONS TO FIRST SEXUAL INTERCOURSE, MARRIAGE AND PREGNANCY AMONG FEMALE ADOLESCENTS: EVIDENCE FROM SOUTH NYANZA, KENYA

2009 ◽  
Vol 41 (3) ◽  
pp. 409-427 ◽  
Author(s):  
MONICA A. MAGADI ◽  
ALFRED O. AGWANDA
Keyword(s):  
Educational Attainment ◽  
Sexual Intercourse ◽  
Cox Regression ◽  
Sub Saharan Africa ◽  
First Sexual Intercourse ◽  
First Marriage ◽  
Higher Educational Attainment ◽  
Sub Saharan ◽  
And Gender ◽  
Using Data

SummaryThe timing of transitions to sexual activity, marriage and childbearing in sub-Saharan Africa is undergoing profound changes. This study investigates the determinants of adolescent transitions in South Nyanza, a socioeconomically deprived setting in Kenya where adolescent reproductive health is a particular concern. The analysis is based on Cox regression of timing of first sexual intercourse, first marriage and first pregnancy, using data from a survey of 1247 females aged 12–19 years. The results show that higher household socioeconomic status and educational attainment are associated with delayed onset of all three transition events. Furthermore, mother’s higher educational attainment is protective for initiation of sexual intercourse while rural residence is protective for pregnancy experience. Other protective factors include communication with parents or with fellow girlfriends. However, discussing sexual matters with boyfriends, high internal locus of control, and gender bias are associated with early onset of the three transition events.

Resources, Time and Gender: Determinants of Women’s Housework in Bahir Dar and Nearby Rural Villages, Northwest Ethiopia

2019 ◽  
Vol 41 (4) ◽  
pp. 507-541
Author(s):  
Chalachew Getahun Desta
Keyword(s):  
Poverty Reduction ◽  
Positive Association ◽  
Household Survey ◽  
Past Research ◽  
Developed Countries ◽  
Northwest Ethiopia ◽  
Rural Villages ◽  
Housework Time ◽  
And Gender ◽  
Using Data

Women’s disproportionate engagement in housework and its determinants has been relatively well studied for developed countries, but such research is absent for less developed countries. Unless barriers to women’s participation in development efforts are addressed, poverty reduction programs may not succeed. Using data from a household survey of 502 women and employing a multivariate linear regression model, this paper analyzed determinants of women’s hours of housework. Results show that, in line with theory and past research, time availability and resources or bargaining power have statistically significant negative associations with a woman’s housework time. Similarly, traditional gender perception/practice has the expected positive association with a woman’s housework time. National strategies aiming at poverty reduction may need to pay more attention to educate women, help them overcome shortage of working capital, and improve employment opportunities since these may increase resources available to women, empower them, and thereby minimize gendered housework.

scholarly journals Consumer perceived risk in online shopping environment via Facebook as medium

2018 ◽  
Vol 7 (4) ◽  
pp. 2485 ◽  
Author(s):  
Charu Panwar
Keyword(s):  
Perceived Risk ◽  
Financial Risk ◽  
Online Shopping ◽  
Shopping Behavior ◽  
Purchase Behavior ◽  
Primary Study ◽  
Product Risk ◽  
Considerable Impact ◽  
And Gender ◽  
Online Shopping Behavior

The study aims to understand the consumer buying behavior while shopping online. The study unveils the multidimensional perceived risk in online shopping that will be helpful for the marketers in mitigating the perceived risk. The study used universally accepted determinants of consumers’ perceived risk namely financial risk, product risk, delivery risk, time risk and privacy risk. This multi-pronged perceived risk has significant impact on the online shopping behavior of the customer and adversely affects their purchase behavior. The total number of 180 respondent has been selected for the primary study. The convenient sampling method of non-probability sampling has been used for selection of respondents. The study found that the demographics have a major role to play on consumers’ perception towards online shopping. Income and gender are the two important factors identified that may have considerable impact on consumers’ perception towards online shopping. T-test, ANOVA and regression analysis has been used for data analysis purpose. 

Financial Risk Tolerance, Sensation Seeking, and Locus of Control Among Pre-Retiree Baby Boomers

2020 ◽  
pp. JFCP-18-00072
Author(s):  
Abed G. Rabbani ◽  
Zheying Yao ◽  
Christina Wang ◽  
John E. Grable
Keyword(s):  
Locus Of Control ◽  
Baby Boomers ◽  
Capital Accumulation ◽  
Sensation Seeking ◽  
Financial Risk ◽  
Personal Characteristic ◽  
Risk Tolerance ◽  
Least Square ◽  
Control Orientation ◽  
Financial Risk Tolerance

Financial risk tolerance is an important personal characteristic that is widely used by financial professionals to guide the development and presentation of client-centered recommendations. As more baby boomers enter retirement, research on how these individuals perceive their willingness to take financial risks has gained importance, particularly as the focus of investment portfolios changes from capital accumulation to capital preservation in retirement. This study examined the role of sensation seeking and locus of control on financial risk tolerance for a pre-retiree baby boomer sample using the 2014 wave of the National Longitudinal Survey of Youth 1979. Findings from three ordinary least square (OLS) regression models showed that baby boomers who were not sensation seekers, and those who displayed an external locus of control orientation were more likely to exhibit a low tolerance for financial risk. Furthermore, those who engaged in sensation-seeking behavior were more likely to have an internal locus of control orientation and a high tolerance for risk.

scholarly journals Immigrant Bilingualism in Spain: An Asset or a Liability?

2017 ◽  
Vol 51 (3) ◽  
pp. 632-666 ◽  
Author(s):  
Maria Medvedeva ◽  
Alejandro Portes
Keyword(s):  
Educational Attainment ◽  
Native Language ◽  
Theory And Practice ◽  
Ongoing Debate ◽  
Bilingual Advantage ◽  
Negative Effect ◽  
Higher Educational Attainment ◽  
Using Data ◽  
Positive Effect ◽  
Ethnic Origins

This study contributes to the ongoing debate about bilingual advantage and examines whether bilingual immigrant youths fare better, as well as, or worse academically than the matching group of monolinguals. Using data from Spain, where close to half of immigrants speak Spanish as their native language, we found no evidence of costs of bilingualism: bilingual youths did benefit from their linguistic skills. Their advantage, however, manifested itself not uniformly across discrete outcomes, but in a direct trajectory toward higher educational attainment. Bilingualism neutralized the possible negative effect of ethnic origins and extended the positive effect of high parental ambition. Implications for theory and practice are discussed.

ASSESSING FINANCIAL RISK TOLERANCE OF PORTFOLIO INVESTORS USING DATA ENVELOPMENT ANALYSIS

2005 ◽  
Vol 04 (03) ◽  
pp. 491-519 ◽  
Author(s):  
PARISA HOSSEINI ARDEHALI ◽  
JOSEPH C. PARADI ◽  
METTE ASMILD
Keyword(s):  
Data Envelopment Analysis ◽  
Financial Risk ◽  
Large Data ◽  
Investment Strategy ◽  
Risk Tolerance ◽  
Data Envelopment ◽  
Data Set ◽  
Personal Investment ◽  
Using Data ◽  
Financial Risk Tolerance

For some investors their own personal investment counsellors address their investment strategy; for others automated means are used. To protect investors, the Canadian Government has enacted the "Know Your Client" Act requiring that all investment dealers and vendors of securities must know their clients and advise them on the appropriate investment strategy. This paper uses Data Envelopment Analysis (DEA) in a novel manner by applying it to a large data set of answers to a number of psychological questions. A Slacks Based Model was used to estimate investor risk tolerance. The model analyses the risk profile of the investor and can be used as a guide to match the risk rating of the investment vehicles for the client. Statistical comparisons were also carried out to show how risk tolerance relates to various demographic variables. Finally, the DEA results were validated through comparisons with the commercial system already in use.

scholarly journals The effect of age and gender on financial risk tolerance of South African investors

2018 ◽  
Vol 15 (2) ◽  
pp. 96-103 ◽  
Author(s):  
Zandri Dickason ◽  
Sune J. Ferreira
Keyword(s):  
South African ◽  
Financial Risk ◽  
Risk Tolerance ◽  
Financial Decisions ◽  
Investment Companies ◽  
Risk Profiling ◽  
Gender And Age ◽  
And Gender ◽  
Financial Risk Tolerance ◽  
Effect Of Age

Financial risk tolerance refers to the amount of risk a person is willing to take when making financial decisions. Previous researchers have found that demographic factors when used as independent variables to have an effect on the risk tolerance behavior of investors. Within this study, emphasis was given to gender and age within a sample of South African investors. Not much research on risk tolerance and demographics has been done in South Africa. Hence, an opportunity for further research within this field emerged. This study aimed to contribute towards the accurate risk profiling of South African investors based on their level of risk tolerance considering their gender and age. This study can be used as a future forecasting tool for investment companies to predict risk tolerance levels based on gender and age levels. Results from this study correspond to previous studies where male investors are more risk tolerant than female investors. A statistical difference was also found between male and female investors within the age categories of 35-49 years and investors older than 50 years. All age categories were found to be more risk tolerant for investors older than 50 years based on the binary regression.

scholarly journals The Relationship of Investor’s Demographic Traits and Personality Type with Financial Risk Tolerance in Investment Decisions.

2019 ◽  
Vol 6 (1) ◽  
pp. 87
Author(s):  
Muhammad Nauman Sadiq ◽  
Muhammad Akhtar
Keyword(s):  
Financial Risk ◽  
Personality Type ◽  
Risk Tolerance ◽  
Academic Qualification ◽  
Demographic Traits ◽  
Type A Personality ◽  
And Gender ◽  
Risk Taker ◽  
Relationship Of ◽  
Financial Risk Tolerance

With an assorted sample of customers from various banks of Pakistan, the authors tried to establish relationship of investor’s demographic traits and personality type with financial risk tolerance during the choice of investment. Results provide sustenance for the projected hypotheses such as investor’s age, income, financial knowledge, family size, occupation and academic qualification has association with financial risk tolerance capability.Investors doing service in an organization tolerate more risk as compare to the investor having their own business. However, Investors marital status and gender has no effect on financial risk tolerance. Investor either married or unmarried showed similar attitude toward financial risk tolerance. Empirical results also provide evidence that investors having type A personality are more financial risk taker as compare to type B personality.

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