{"id":"https://openalex.org/W1565624385","doi":null,"title":"Influences on consumers\u2019 KiwiSaver investment fund choices","display_name":"Influences on consumers\u2019 KiwiSaver investment fund choices","publication_year":2011,"publication_date":"2011-01-01","ids":{"openalex":"https://openalex.org/W1565624385","mag":"1565624385"},"language":"en","primary_location":{"id":"pmh:oai:aut.researchgateway.ac.nz:10292/3459","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10292/3459","pdf_url":"http://hdl.handle.net/10292/3459","source":{"id":"https://openalex.org/S4306401809","display_name":"Tuwhera (Auckland University of Technology)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I39854758","host_organization_name":"Auckland University of Technology","host_organization_lineage":["https://openalex.org/I39854758"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Thesis"},"volume":null,"type":"dissertation","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://hdl.handle.net/10292/3459","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5030184853","display_name":"Allan Blake Lee","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Allan Blake Lee","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5030184853"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/kiwisaver","display_name":"KiwiSaver","score":0.9990000128746033},{"id":"https://openalex.org/keywords/behavioral-finance","display_name":"behavioral finance","score":0.6489999890327454},{"id":"https://openalex.org/keywords/financial-risk-attitude","display_name":"financial risk attitude","score":0.6629999876022339},{"id":"https://openalex.org/keywords/retirement-planning","display_name":"retirement planning","score":0.7070000171661377},{"id":"https://openalex.org/keywords/financial-advice","display_name":"financial advice","score":0.4490000009536743},{"id":"https://openalex.org/keywords/auto-enrolment","display_name":"auto-enrolment","score":0.6899999976158142},{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.5},{"id":"https://openalex.org/keywords/trust-in-media","display_name":"media trust","score":0.48100000619888306},{"id":"https://openalex.org/keywords/purchase-decision","display_name":"purchase decision","score":0.4480000138282776},{"id":"https://openalex.org/keywords/peer-influence","display_name":"peer influence","score":0.40400001406669617},{"id":"https://openalex.org/keywords/financial-incentives","display_name":"financial incentives","score":0.4440000057220459},{"id":"https://openalex.org/keywords/financial-reporting-quality","display_name":"financial reporting quality","score":0.40799999237060547},{"id":"https://openalex.org/keywords/focus-groups","display_name":"focus groups","score":0.5040000081062317}],"concepts":[{"id":"https://openalex.org/C36588987","wikidata":"https://www.wikidata.org/wiki/Q4201895","display_name":"Investment fund","level":3,"score":0.6187646985054016},{"id":"https://openalex.org/C11393971","wikidata":"https://www.wikidata.org/wiki/Q6746722","display_name":"Manager of managers fund","level":3,"score":0.5420300960540771},{"id":"https://openalex.org/C27548731","wikidata":"https://www.wikidata.org/wiki/Q88272","display_name":"Investment (military)","level":3,"score":0.5042814016342163},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4818483591079712},{"id":"https://openalex.org/C6243943","wikidata":"https://www.wikidata.org/wiki/Q1195348","display_name":"Index fund","level":5,"score":0.4582618176937103},{"id":"https://openalex.org/C17738144","wikidata":"https://www.wikidata.org/wiki/Q7685888","display_name":"Target date fund","level":5,"score":0.45664119720458984},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4091297388076782},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3436152935028076},{"id":"https://openalex.org/C155301685","wikidata":"https://www.wikidata.org/wiki/Q493177","display_name":"Open-end fund","level":4,"score":0.19189170002937317},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.10270291566848755},{"id":"https://openalex.org/C206757995","wikidata":"https://www.wikidata.org/wiki/Q1665188","display_name":"Institutional investor","level":3,"score":0.08179765939712524},{"id":"https://openalex.org/C183582576","wikidata":"https://www.wikidata.org/wiki/Q184783","display_name":"Market liquidity","level":2,"score":0.07472166419029236},{"id":"https://openalex.org/C39389867","wikidata":"https://www.wikidata.org/wiki/Q380767","display_name":"Corporate governance","level":2,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C94625758","wikidata":"https://www.wikidata.org/wiki/Q7163","display_name":"Politics","level":2,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"pmh:oai:aut.researchgateway.ac.nz:10292/3459","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10292/3459","pdf_url":"http://hdl.handle.net/10292/3459","source":{"id":"https://openalex.org/S4306401809","display_name":"Tuwhera (Auckland University of Technology)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I39854758","host_organization_name":"Auckland University of Technology","host_organization_lineage":["https://openalex.org/I39854758"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Thesis"},{"id":"pmh:oai:openrepository.aut.ac.nz:10292/3459","doi":null,"is_oa":true,"landing_page_url":"https://hdl.handle.net/10292/3459","pdf_url":"https://openrepository.aut.ac.nz/bitstreams/71a0d77c-6145-4106-a582-9ab570e21ea0/download","source":{"id":"https://openalex.org/S4306401809","display_name":"Tuwhera (Auckland University of Technology)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I39854758","host_organization_name":"Auckland University of Technology","host_organization_lineage":["https://openalex.org/I39854758"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Thesis"},{"id":"mag:1565624385","doi":null,"is_oa":false,"landing_page_url":"https://aut.researchgateway.ac.nz/handle/10292/3459","pdf_url":null,"source":null,"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":null}],"best_oa_location":{"id":"pmh:oai:aut.researchgateway.ac.nz:10292/3459","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10292/3459","pdf_url":"http://hdl.handle.net/10292/3459","source":{"id":"https://openalex.org/S4306401809","display_name":"Tuwhera (Auckland University of Technology)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I39854758","host_organization_name":"Auckland University of Technology","host_organization_lineage":["https://openalex.org/I39854758"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Thesis"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W1565624385.pdf","grobid_xml":"https://content.openalex.org/works/W1565624385.grobid-xml"},"referenced_works_count":176,"referenced_works":["https://openalex.org/W22440634","https://openalex.org/W115394847","https://openalex.org/W154509653","https://openalex.org/W191609959","https://openalex.org/W392907305","https://openalex.org/W564902180","https://openalex.org/W604972776","https://openalex.org/W608669958","https://openalex.org/W642841646","https://openalex.org/W645415914","https://openalex.org/W645560061","https://openalex.org/W1503159956","https://openalex.org/W1511005963","https://openalex.org/W1513938845","https://openalex.org/W1515587369","https://openalex.org/W1540783052","https://openalex.org/W1544133109","https://openalex.org/W1571167924","https://openalex.org/W1574791629","https://openalex.org/W1575357148","https://openalex.org/W1588965071","https://openalex.org/W1654874180","https://openalex.org/W1965761421","https://openalex.org/W1966576011","https://openalex.org/W1969099150","https://openalex.org/W1971526329","https://openalex.org/W1972557675","https://openalex.org/W1973238209","https://openalex.org/W1976943697","https://openalex.org/W1977880816","https://openalex.org/W1979290264","https://openalex.org/W1979887907","https://openalex.org/W1980054641","https://openalex.org/W1980605284","https://openalex.org/W1981282589","https://openalex.org/W1981363896","https://openalex.org/W1983721542","https://openalex.org/W1990969594","https://openalex.org/W1990969945","https://openalex.org/W1991000509","https://openalex.org/W1991324264","https://openalex.org/W1991670833","https://openalex.org/W1993161021","https://openalex.org/W1993325457","https://openalex.org/W1993841658","https://openalex.org/W1994634179","https://openalex.org/W1998775765","https://openalex.org/W2000117884","https://openalex.org/W2000228957","https://openalex.org/W2004184632","https://openalex.org/W2004567634","https://openalex.org/W2006003012","https://openalex.org/W2012622145","https://openalex.org/W2018288346","https://openalex.org/W2019461396","https://openalex.org/W2019585945","https://openalex.org/W2020056535","https://openalex.org/W2027798612","https://openalex.org/W2031550464","https://openalex.org/W2032179810","https://openalex.org/W2033279962","https://openalex.org/W2035705372","https://openalex.org/W2036389121","https://openalex.org/W2037119150","https://openalex.org/W2038650590","https://openalex.org/W2041444418","https://openalex.org/W2041765503","https://openalex.org/W2041946752","https://openalex.org/W2045483295","https://openalex.org/W2046411892","https://openalex.org/W2046707233","https://openalex.org/W2048687276","https://openalex.org/W2049883086","https://openalex.org/W2051123421","https://openalex.org/W2052327508","https://openalex.org/W2053583812","https://openalex.org/W2055194045","https://openalex.org/W2055559567","https://openalex.org/W2056699027","https://openalex.org/W2059179344","https://openalex.org/W2059916607","https://openalex.org/W2059920020","https://openalex.org/W2060426157","https://openalex.org/W2060989260","https://openalex.org/W2062363309","https://openalex.org/W2064683297","https://openalex.org/W2071034312","https://openalex.org/W2072883562","https://openalex.org/W2074882760","https://openalex.org/W2077617176","https://openalex.org/W2078603723","https://openalex.org/W2082324698","https://openalex.org/W2083162801","https://openalex.org/W2084659862","https://openalex.org/W2084735543","https://openalex.org/W2089845703","https://openalex.org/W2093030710","https://openalex.org/W2093598301","https://openalex.org/W2093705991","https://openalex.org/W2094013842","https://openalex.org/W2094556891","https://openalex.org/W2097816650","https://openalex.org/W2099967393","https://openalex.org/W2100304338","https://openalex.org/W2102309240","https://openalex.org/W2103053251","https://openalex.org/W2106174165","https://openalex.org/W2106904540","https://openalex.org/W2107719042","https://openalex.org/W2108946685","https://openalex.org/W2110354947","https://openalex.org/W2110564479","https://openalex.org/W2112102313","https://openalex.org/W2112931418","https://openalex.org/W2114417570","https://openalex.org/W2118549410","https://openalex.org/W2123785891","https://openalex.org/W2124573299","https://openalex.org/W2128797229","https://openalex.org/W2133469585","https://openalex.org/W2134235713","https://openalex.org/W2137630282","https://openalex.org/W2138257644","https://openalex.org/W2140515979","https://openalex.org/W2142425067","https://openalex.org/W2143069758","https://openalex.org/W2143121772","https://openalex.org/W2146007705","https://openalex.org/W2148283815","https://openalex.org/W2148962857","https://openalex.org/W2152095411","https://openalex.org/W2154381586","https://openalex.org/W2156323638","https://openalex.org/W2157241717","https://openalex.org/W2159172402","https://openalex.org/W2159666151","https://openalex.org/W2164371985","https://openalex.org/W2168578824","https://openalex.org/W2170039208","https://openalex.org/W2222892958","https://openalex.org/W2322144418","https://openalex.org/W2329395632","https://openalex.org/W2332527697","https://openalex.org/W2413570632","https://openalex.org/W2480742789","https://openalex.org/W2504128430","https://openalex.org/W2530063673","https://openalex.org/W2790841064","https://openalex.org/W2886814869","https://openalex.org/W2888749168","https://openalex.org/W2889813007","https://openalex.org/W2890543267","https://openalex.org/W2953795272","https://openalex.org/W2970341950","https://openalex.org/W3001472365","https://openalex.org/W3021589323","https://openalex.org/W3027820740","https://openalex.org/W3030034768","https://openalex.org/W3041754228","https://openalex.org/W3121229766","https://openalex.org/W3121806576","https://openalex.org/W3121918578","https://openalex.org/W3121990477","https://openalex.org/W3122152812","https://openalex.org/W3122442489","https://openalex.org/W3123346202","https://openalex.org/W3124260419","https://openalex.org/W3124550172","https://openalex.org/W3125129652","https://openalex.org/W3125684880","https://openalex.org/W3125780646","https://openalex.org/W3126062738","https://openalex.org/W3126065285","https://openalex.org/W3143415319","https://openalex.org/W3147181238","https://openalex.org/W3206060221"],"related_works":["https://openalex.org/W2182727190","https://openalex.org/W4237671404","https://openalex.org/W2947163214","https://openalex.org/W3124299461","https://openalex.org/W2902974659","https://openalex.org/W12241591","https://openalex.org/W2257083017","https://openalex.org/W2912560643","https://openalex.org/W2758152038","https://openalex.org/W2617033370"],"abstract_inverted_index":{"When":[0],"it":[1],"launched":[2],"KiwiSaver":[3,21,54,118,164,272,368],"in":[4,105,117,121,139,189,239,257,355],"2007,":[5],"New":[6,46,73],"Zealand":[7],"joined":[8],"a":[9,53,79,82,215,234,243,258,403],"growing":[10],"international":[11],"trend":[12],"towards":[13],"second-tier":[14],"personal":[15],"pension":[16,325],"schemes.":[17],"The":[18,95,151,392],"uptake":[19],"of":[20,112,153,173,242,245,260,309,405,416],"has":[22],"exceeded":[23],"expectations,":[24],"with":[25,413],"1.75":[26],"million":[27],"people":[28,398],"joining":[29],"by":[30,91,196,214,330,335,339,345],"June":[31,108],"2011,":[32,109],"thanks":[33],"to":[34,48,68,70,77,87,157,274,285,299,313,373,381],"an":[35,57],"auto-enrolment":[36],"provision":[37],"and":[38,44,56,148,219,226,231,290,306,311,317,344,378,384,390,418],"financial":[39,252,346,374],"incentives":[40,332],"from":[41,65,232,387,422],"the":[42,49,159,176,190,203,240,266,282,292,318,331,336,340,349,363,400,414],"government":[43],"employers.":[45],"recruits":[47,273],"scheme":[50,319,326,356],"can":[51],"choose":[52,78],"provider":[55,80],"investment":[58],"fund":[59,83,177,206,358],"for":[60,185],"their":[61,146,287,315,371,376,423],"savings.":[62],"Funds":[63],"range":[64],"low-risk":[66],"conservative,":[67],"balanced,":[69],"higher-risk":[71],"growth.":[72],"members":[74,165,327,369],"who":[75,269,280,295],"decline":[76],"or":[81,170],"are":[84,138,370],"automatically":[85],"allocated":[86],"conservative":[88,103,123,140],"schemes":[89,97],"run":[90],"government-appointed":[92],"default":[93,96,342],"providers.":[94,424],"have":[98,102,128,281,323],"been":[99,129],"popular,":[100],"as":[101,402],"funds":[104,114,141],"general.":[106],"By":[107],"57":[110],"percent":[111],"total":[113],"under":[115],"management":[116],"were":[119,212,224,328],"invested":[120],"broadly":[122],"(including":[124],"default)":[125],"funds.":[126],"Concerns":[127],"raised":[130],"that":[131,142,162,192,396],"too":[132],"many":[133],"KiwiSavers,":[134],"particularly":[135],"younger":[136],"members,":[137],"do":[143],"not":[144],"match":[145],"age":[147,377],"risk":[149],"profile.":[150],"aim":[152],"this":[154,186],"thesis":[155],"is":[156,254,410],"identify":[158],"main":[160],"factors":[161,204,354,366],"influence":[163],"when":[166],"they":[167],"make":[168],"\u2013":[169,175],"opt":[171],"out":[172,202],"making":[174],"choice":[178],"decision.":[179],"A":[180],"qualitative":[181],"approach":[182],"was":[183,237],"adopted":[184],"exploratory":[187],"study":[188,361,393],"belief":[191],"in-depth":[193],"discussion":[194],"provided":[195],"focus":[197,209],"group":[198,210,222],"interviews":[199],"would":[200,270,296],"tease":[201],"influencing":[205,247,367],"choice.":[207,359],"Three":[208],"meetings":[211],"supplemented":[213],"stimulus":[216],"card":[217],"exercise":[218],"questionnaire.":[220],"Focus":[221],"transcripts":[223],"analyzed":[225],"interpreted":[227],"using":[228],"thematic":[229],"analysis":[230],"there":[233,409],"tentative":[235],"theory":[236],"developed":[238],"form":[241],"model":[244],"potential":[246],"factors.":[248],"Research":[249],"into":[250],"retirement":[251],"planning":[253],"often":[255],"framed":[256],"context":[259],"two":[261,351],"competing":[262],"theoretical":[263],"schools:":[264],"first,":[265],"neoclassical":[267],"theorists":[268,294],"expect":[271,297],"be":[275,300],"rational,":[276],"informed":[277],"decision":[278],"makers":[279],"cognitive":[283,304],"ability":[284,305],"maximize":[286],"long-term":[288],"wealth;":[289],"second,":[291],"behavioural":[293],"KiwiSavers":[298],"na\u00efve,":[301],"short":[302],"on":[303,333,407],"willpower,":[307],"nervous":[308],"risks,":[310],"prone":[312],"following":[314],"friends":[316,389],"defaults.":[320],"Previous":[321],"studies":[322],"found":[324,362,395],"influenced":[329],"offer,":[334],"enrolment":[337],"regime,":[338],"scheme\u2019s":[341],"rules,":[343],"education":[347],"programmes,":[348],"latter":[350],"being":[352],"important":[353],"members\u2019":[357],"This":[360],"most":[364],"prevalent":[365],"attitude":[372],"risk,":[375],"perceived":[379],"time":[380],"reaching":[382],"retirement,":[383],"advice":[385],"coming":[386,421],"family,":[388],"colleagues.":[391],"also":[394],"while":[397],"trust":[399],"media":[401],"source":[404],"information":[406,417],"KiwiSaver,":[408],"some":[411],"dissatisfaction":[412],"quality":[415],"performance":[419],"reporting":[420]},"counts_by_year":[],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2016-06-24T00:00:00"}