Financial Sophistication, Personality and Stock Market Participation: Theory and Evidence

In this empirical study, the authors examined the extent to which financial sophistication and personality effects stock market participation. Using archival research methodology, our hypothesis has been tested on a random sample of 451 stock market participants. Moderation has been tested through...

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Main Authors: Muhammad Akhtar, Dr. Faqir Muhammad, Dr. Muhammad Ayub Siddiqui
Format: Article
Language:English
Published: Lahore School of Economics 2018-10-01
Series:The Lahore Journal of Business
Subjects:
Online Access:https://journals.lahoreschool.edu.pk/LJB/LJB/article/view/69
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author Muhammad Akhtar
Dr. Faqir Muhammad
Dr. Muhammad Ayub Siddiqui
author_facet Muhammad Akhtar
Dr. Faqir Muhammad
Dr. Muhammad Ayub Siddiqui
author_sort Muhammad Akhtar
collection DOAJ
description In this empirical study, the authors examined the extent to which financial sophistication and personality effects stock market participation. Using archival research methodology, our hypothesis has been tested on a random sample of 451 stock market participants. Moderation has been tested through Andrew Hayes process. Extroversion and openness to experience positively impact stock market participation, while consciousness, agreeableness, and neuroticism have a negative impact. Financial literacy, trading experience and gender are the likely paths by which personality impacts stock market participation. Financial literacy can modify the relationship between some basic personality traits and stock market participation. It shows that behavior finance is not completely predetermined by one’s DNA and also identifies which traits are less influenced by financial literacy. Perhaps this implies that these traits are more predetermined by one’s innate characteristics. This study provides an interdisciplinary contribution by extending Big Five taxonomy as a viable approach for stock market participation. Future research may investigate the impact of family resources, investment exposure, and parent’s financial literacy, which were beyond the scope of the current study. The theoretical and practical implications of the study with respect to stock market participation are discussed.
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spelling doaj-art-74647a597c994d2da944b5aa6a8c0c7a2025-08-20T02:57:30ZengLahore School of EconomicsThe Lahore Journal of Business2223-00252791-31392018-10-0171Financial Sophistication, Personality and Stock Market Participation: Theory and EvidenceMuhammad Akhtar0Dr. Faqir Muhammad1Dr. Muhammad Ayub Siddiqui2 Assistant Professor, FAST School of Management, National University of Computer & Emerging Sciences, Islamabad. Professor, Air University School of Management (AUSOM), Faculty of Administrative Sciences, Air University, Islamabad. Professor, FAST School of Management, National University of Computer & Emerging Sciences, Islamabad. In this empirical study, the authors examined the extent to which financial sophistication and personality effects stock market participation. Using archival research methodology, our hypothesis has been tested on a random sample of 451 stock market participants. Moderation has been tested through Andrew Hayes process. Extroversion and openness to experience positively impact stock market participation, while consciousness, agreeableness, and neuroticism have a negative impact. Financial literacy, trading experience and gender are the likely paths by which personality impacts stock market participation. Financial literacy can modify the relationship between some basic personality traits and stock market participation. It shows that behavior finance is not completely predetermined by one’s DNA and also identifies which traits are less influenced by financial literacy. Perhaps this implies that these traits are more predetermined by one’s innate characteristics. This study provides an interdisciplinary contribution by extending Big Five taxonomy as a viable approach for stock market participation. Future research may investigate the impact of family resources, investment exposure, and parent’s financial literacy, which were beyond the scope of the current study. The theoretical and practical implications of the study with respect to stock market participation are discussed. https://journals.lahoreschool.edu.pk/LJB/LJB/article/view/69Financial sophisticationbig five personality traitsbehavioral financestock market participation.
spellingShingle Muhammad Akhtar
Dr. Faqir Muhammad
Dr. Muhammad Ayub Siddiqui
Financial Sophistication, Personality and Stock Market Participation: Theory and Evidence
The Lahore Journal of Business
Financial sophistication
big five personality traits
behavioral finance
stock market participation.
title Financial Sophistication, Personality and Stock Market Participation: Theory and Evidence
title_full Financial Sophistication, Personality and Stock Market Participation: Theory and Evidence
title_fullStr Financial Sophistication, Personality and Stock Market Participation: Theory and Evidence
title_full_unstemmed Financial Sophistication, Personality and Stock Market Participation: Theory and Evidence
title_short Financial Sophistication, Personality and Stock Market Participation: Theory and Evidence
title_sort financial sophistication personality and stock market participation theory and evidence
topic Financial sophistication
big five personality traits
behavioral finance
stock market participation.
url https://journals.lahoreschool.edu.pk/LJB/LJB/article/view/69
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AT drfaqirmuhammad financialsophisticationpersonalityandstockmarketparticipationtheoryandevidence
AT drmuhammadayubsiddiqui financialsophisticationpersonalityandstockmarketparticipationtheoryandevidence