International Journal of Scientific Research and Engineering Development

Financial knowledge plays an important role in shaping employees’ investment and financial planning decisions. In today’s complex financial environment, individuals need adequate understanding of financial concepts to manage their income, savings, and investments effectively. This study examines the effect of financial knowledge on financial decision-making using primary data collected through a structured questionnaire. The analysis focuses on areas such as investment, savings, budgeting, insurance, and retirement planning. The findings indicate that employees with higher financial knowledge make more informed decisions, practice better financial planning, and show greater financial stability. In contrast, those with limited knowledge face difficulties in managing finances and making investment choices. The study concludes that improving financial knowledge is essential for enhancing financial well-being and promoting effective financial planning among employees.

Ramya.S, Akila.S,"A Study Assessing the Effect of Financial Knowledge on Investment and Financial Planning Decisions of Employees" International Journal of Scientific Research and Engineering Development, V9(2): Page(894-899) Mar-Apr 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.