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Self-employment, financial knowledge, and retirement planning

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  • Anoosheh Rostamkalaei
  • Miwako Nitani
  • Allan Riding

Abstract

The level of self-employed individuals’ financial knowledge holds implications with respect to financial stability, economic welfare, and growth of young enterprises. This study found that self-employed individuals did not differ significantly from employed workers in terms of their financial knowledge. Self-employed workers were less likely than employed workers to be engaged in financial practices that improved their long-term financial health. However, there was no difference in the level of confidence in future retirement prospects between self-employed individuals and their employed counterparts. With the ongoing erosion of social protection systems, this research provides a basis for addressing the issue of relatively poor retirement planning among self-employed workers.

Suggested Citation

  • Anoosheh Rostamkalaei & Miwako Nitani & Allan Riding, 2022. "Self-employment, financial knowledge, and retirement planning," Journal of Small Business Management, Taylor & Francis Journals, vol. 60(1), pages 63-92, January.
    • Handle: RePEc:taf:ujbmxx:v:60:y:2022:i:1:p:63-92
    DOI: 10.1080/00472778.2019.1695497
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