<![CDATA[Young investors on the IDX have experienced a significant increase in recent years. This could be a sign of how they are starting to pay attention to investments and savings. This study is aimed at finding out the factors that affect the investment and savings behavior of young people. This study adopts a quantitative research type. The approach used is the purposive sampling method. The data collection method used was a survey using a questionnaire. The questionnaire was given to young people in Indonesia through an online survey specifically designed to obtain data related to Investment and Savings factors. A total of 288 respondents were then used in the empirical analysis. The data obtained was analyzed using SEM data analysis techniques, using Smart PLS 4 software. The relationship hypothesis is created using partial and determinant structural equation modeling. The results of the partial test showed that financial knowledge and management liquidity had no effect on investment and savings variables. The variables of financial behavior and financial tax planning have a significant positive effect on the variables of investment and savings. Meanwhile, in terms of determination, independent variables correlated 46% with the dependent variables studied. This research has novelties of the variables of financial and tax planning, liquidity management that have not been studied by researchers before]]>
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