Author(s): Chunyu Ben
Financial literacy plays a crucial role in shaping investment decisions, especially among young adults in developing economies. As financial markets evolve and investment options become more complex, the ability to make informed financial choices is increasingly tied to an individual’s financial education. This paper explores the relationship between financial literacy and investment behavior among young adults, identifying how knowledge of financial concepts affects risk perception, asset choice, and long-term financial planning. The article highlights challenges such as limited access to financial education, socioeconomic constraints, and digital misinformation. Policy implications and recommendations for improving financial literacy programs are discussed as strategies to enhance the economic resilience of youth populations in developing regions.