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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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| Paper Title: | A GENERATIONAL STUDY ON THE INFLUENCE OF FINANCIAL LITERACY ON RETIERMENT PLANNING INTENTIONS AMONG MILLENNIALS AND GEN Z WITH SPECIAL REFERENCE TO KERALA STATE |
| Authors Name: | Alan James , Josna Jose , Navya K.S , Vishnumaya. P |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_204077
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| Published Paper Id: | IJRTI2505216 |
| Published In: | Volume 10 Issue 5, May-2025 |
| DOI: | https://doi.org/10.56975/ijrti.v10i5.204077 |
| Abstract: | Abstract: Today's rapidly evolving financial landscape highlights the importance of early and informed retirement planning, particularly for younger generations such as Millennials and Generation Z. As traditional pension systems withdraw and as individuals assume more responsibility for their own financial futures, understanding the relationship between financial literacy and retirement planning is imperative. This research study focuses on the influence of financial literacy on retirement planning intentions, specifically for Millennials and Generation Z in Kerala. This study examines the generational differences in financial literacy, perceived barriers to planning, and willingness to utilize digital financial tools. Using a quantitative cross-sectional survey design, data was collected from 400 respondents in the two generational cohorts. The results identified significant differences in levels of financial literacy with implications for retirement planning behaviours. The study also identified socio-economic status, access to education, and the availability of digital financial tools as barriers to retirement planning intentions. This study contributes to the growing literature around financial preparedness in youth in addition to providing insights for policymakers, educators, and financial institutions in regard to retirement preparedness in young adults. The study advocates for generation-appropriate strategies and accessible digital tools that improve the financial capability of youth and decrease the financial literacy and retirement planning behaviours gap. |
| Keywords: | Financial literacy, Retirement planning, Millennials, Generation Z, Generational differences, Financial behaviour. |
| Cite Article: | "A GENERATIONAL STUDY ON THE INFLUENCE OF FINANCIAL LITERACY ON RETIERMENT PLANNING INTENTIONS AMONG MILLENNIALS AND GEN Z WITH SPECIAL REFERENCE TO KERALA STATE", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 5, page no.c171-c178, May-2025, Available :http://www.ijrti.org/papers/IJRTI2505216.pdf |
| Downloads: | 000633 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2505216
Registration ID:204077
Published In: Volume 10 Issue 5, May-2025
DOI (Digital Object Identifier): https://doi.org/10.56975/ijrti.v10i5.204077
Page No: c171-c178 Country: Malappuram, Kerala , India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2505216 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2505216 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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