In the study the ways that economic environment and personality influence investment decision making are investigated with an emphasis on the experience of regret. Eighty-four Chinese college students completed an investment questionnaire and NEO-FFI (Costa & McCrae, 1992). Results indicated that the environment mainly affects willingness to invest. Participants exhibited a strong desire to save their money when the macroeconomic situation was pessimistic; in an optimistic environment more money was invested. It was also found that personality influences investment-related regret more than does environment. Those with a higher level of neuroticism were found to experience more regret than those lower in neuroticism, when faced with a wrong investment decision.
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