like credit, savings, and managerial constraints. Using panel data, this study identifies subgroups that would benefit by … interventions aiming to reduce savings or managerial constraints could be effective when targeting the correct subgroups. …

savings and investment decisions grew much more rapidly than the use of financial planners for those decisions. A multivariate … investment decisions had a negative effect on the likelihood of using a financial planner for savings and investment decisions … analysis of the use of financial planners showed that all other things being equal, use of the internet for savings and …