Browsing by Author "Silva, Ana Loriga da"
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- Profile of young people facing financial riskPublication . Rosário, Cátia; Silva, Ana Loriga da; Costa, António AugustoThe year 2020 brought big challenges to the financial market, caused largely by the pandemic originated by SARS-COV 19. Who already invested came across large oscillations in their profitability, leaving many apprehensive investors and who did not invest was more reluctant to give the first steps in the financial market. On the other hand, others have seen an opportunity to invest and seek to increase their income. It can thus be understood that not all people behave in the same way in the face of the possibility of investing and vis-à-vis different investments. That is, investors have different behaviors to the uncertainty inherent to financial investments. This uncertainty is at risk and is a concept of psychology, economy, and finance, based on human behavior (especially consumers and investors). In other words, risk aversion is a person's reluctance to accept a business with an uncertain return, rather than another deal with a more guaranteed return, but possibly lower. According to the Securities Market Commission there is no harmonization of investor profiles between financial institutions acting as financial intermediaries. However, the most common designations for the various types of investors are conservative or prudent, balanced, or moderate, dynamic, and bold. In this study, the characteristics that best characterize young investors and their aversion to financial risk are identified. This study was conducted through a questionnaire applied to the students of Lusófona University – Lisbon, Portugal, seeking to identify what types of investments are presented as more alliciant for young people and what their behavior towards the uncertainty of profitability and guarantee invested capital.