Planejamento financeiro de longo prazo e vieses comportamentais: uma análise da intenção de adesão de jovens universitários a produtos financeiros

Abstract

This undergraduate thesis analyzes the influence of behavioral biases and financial planning habits on young university students' adherence to long-term financial products. The study was designed as an exploratory quantitative research and it was conducted through a survey applied to 150 students from the Center of Applied Social Sciences (CCSA) at the Federal University of Paraíba (UFPB).The data were analyzed using descriptive statistics and non-parametric tests (Mann-Whitney U Test). The results show that although almost all students (92.0%) acknowledge the importance of future financial planning, effective adherence to long-term products is low, with 60.7% not owning any product. Income constraints emerged as the main objective barrier (37.3%), combined with a lack of practical financial knowledge (25.3%) and the implicit impact of present bias. However, comparative analysis revealed that the group of students owning long-term financial products presents statistically higher levels of technical knowledge (investment differentiation, comprehension of compound interest, and risk), proactivity in searching for financial information, and more structured habits regarding saving, emergency reserves, and goal setting. The study concludes that increasing young adults' adherence to long-term investments requires a combination of practical financial literacy, market solution simplification, and the deconstruction of behavioral biases.