More and more important to workers must rely on personal savings as on their private pension to fund their retirement as countries cut social benefits. As individuals increase their use of financial markets, it becomes more important that they understand at least basic principles of saving and investment.
Policymakers must be able to identify individuals who are most in need of financial education and the best ways to improve education, through government programs, employers, schools, or by combination of these approaches . The OECD has recently established a financial education project to study financial education programs in the OECD countries as well as a number of non-members.
In the first part of this study, we describe the types of financial education programs that exist, we will analyze the effectiveness of these programs, and finally, we develop a method that policymakers can use to compare strategies and programs in public and private sectors. The description of the types of financial education programs will be based on a survey of member countries.
The analysis of program effectiveness will be based on a review of relevant studies in economics, social policy, education, and related topics, as well as interviews with experts in the field of financial education. We use the information on the types of programs and program effectiveness to develop a method that policymakers can use in order to compare the strategies to improve financial knowledge
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