Reflections on the Curriculum Development of “Investment Wisdom in Everyday Life”

The growing complexity of financial markets and personal investment decision-making highlights the critical need for practical, application-oriented financial education. This study addresses the disconnect between theoretical financial literacy and real-world application by developing a curriculum framework titled “Investment Wisdom in Everyday Life.” Grounded in constructivist learning theory and behavioral economics, the curriculum systematically integrates theoretical foundations, practical investment skills, and cognitive bias mitigation. Research methods included a systematic literature review, stakeholder interviews with educators, financial professionals, and learners, and case studies of successful global initiatives. The curriculum was designed in three progressive modules and tested with diverse learner groups. Results demonstrated significant improvements in investment competencies, particularly in risk assessment, portfolio diversification, and rational decision-making. Furthermore, the integration of localized examples from the Chinese financial market enhances its cultural relevance and offers a scalable template for adaptation in other contexts. This study contributes to investment education by bridging the gap between theory and practice, offering a replicable framework for promoting financial literacy across diverse settings. It also provides insights for developing culturally adaptive financial education models in other regions.