全球风险研究院：2026年公众“过度自信”、退休收入体系认知与退休规划行为研究报告（英文版）

Previous research shows that the level of confidence in one’s financial ability is important for decision-making, especially in the realm of retirement planning. We expand on this literature by using survey responses to objective and subjective measures of financial literacy and retirement knowledge. We find that even though overconfident individuals are more likely to state that they have a retirement plan, they are less likely to have registered retirement savings, and when they do, they h