Dr Charline Uhr

Her research journey developed through doctoral work at Goethe University Frankfurt, where she earned her PhD in 2021. During this period she built a strong foundation in household and behavioural finance, using detailed investor-level data to move beyond theoretical models and observe how people respond to uncertainty, market information, incentives and their own behavioural tendencies.

Her early published research investigated economic concerns, attention and retail trading. She then examined self-control failure in investment decisions, showing how personal behavioural characteristics can influence overtrading, investment biases and net portfolio performance. This stream also explored whether financial advisers can act as a commitment mechanism for investors who struggle with impulsive decision-making.

Dr Uhr’s later work broadened toward ambiguity, financial advice and the changing structure of retail trading. Her studies analyse how investors react when uncertainty rises, how experiences with adviser recommendations affect future demand for advice, and how different fee arrangements influence portfolio value, diversification and performance. She has also examined neo-brokers and payment-for-order-flow to understand the execution costs faced by private investors.

Across these projects, her research translates individual trading records and client–adviser interactions into evidence with practical relevance for investors, financial institutions and policymakers, contributing to a clearer understanding of when advice improves outcomes, why investors repeat costly behaviours and how market design or pricing can influence household financial welfare.

With more than 10 research works and a Google Scholar h-index of 6, Dr Uhr has developed a focused record in empirical household and behavioural finance, using real-world evidence to explain private-investor behaviour and to identify how advice, incentives, uncertainty and financial-market structures can improve or weaken investment decisions.