HERE is a test. Suppose you had $100 in a savings account that paid an interest rate of 2% a year. If you leave the money in the account, how much would you have accumulated after five years: more than $102, exactly $102, or less than $102?
This test might seem a little simple for readers of The Economist. But a survey found that only half of Americans aged over 50 gave the correct answer.
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"Do Financial Education Programs Work?", Ian Hathaway and Sameer Khatiwada, working paper 08-03, April 2008
"Financial Literacy: What Works? How Could It Be More Effective?", William G. Gale and Ruth Levine, October 2010
"The Impact of Financial Literacy Education on Subsequent Financial Behaviour", Lewis Mandell and Linda Schmid Klein
"The Financial Education Fallacy", Lauren E Willis, presentation to American Economic Association
Economist.com/blogs/buttonwood
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