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Trí thông minh tài chính là gì?| Sử dụng tiền hợp lý
03 May, 2021
đó là học hành bài bản, chứ ko phải nghe và hành động theo một video clip của ca sĩ hay người đẹp nào đó, chỉ là sản phẩm marketing mà thôi...
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Financial literacy month arrives
April is financial literacy month (tháng tư là tháng thông minh tài chính), which means you should expect a steady stream of celebrities like Miley Cyrus exhorting us to "learn more about stocks."
Why it matters: Financial illiteracy is a real problem, but it's not one that can be fixed with a 90-second video or a jaunty (vui nhộn, hoạt bát) slideshow.
When you see a financial education site emblazoned (ca ngợi, tán dương; trang trí phù hiệu; vẽ nó nét (như trên huy hiệu)) with the logo of a financial-services company or a celebrity, what you're looking at is marketing, not useful instruction.
Driving the news: The SEC recently put out an investor alert warning that "Even if a celebrity is involved in a SPAC, investing in one may not be a good idea for you."
The big picture: Arguments in favor of financial literacy generally put the onus on the poor to educate themselves. Financial literacy month effectively turns poverty into a series of individual problems, rather than one big societal problem.
It doesn't work very well. Lauren E. Willis of Loyola Law School has examined the research on financial literacy and has found no "causal chain from financial education to higher financial literacy to better financial behavior to improved financial outcomes."
If anything, a little financial education can be a bad thing, causing overconfidence (quá tự tin) rather than sensible (có óc xét đoán) caution (thận trọng) in the face of complex financial structures (kết cấu tài chính phức tạp).
The bottom line: A carefully-structured school curriculum from the likes of Next Gen Personal Finance can, over time, help kids get up to speed on important financial concepts. A glitzy (giả tạo, phù phiếm) celebrity-endorsed marketing campaign, on the other hand, will do nothing of the sort.
Tags: finance
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