This study focused on examining financial literacy and financial behavior as determinants of sustainable investment practices among Overseas Filipino Workers (OFWs) in China. Guided by the Theory of Planned Behavior and the Financial Capability Framework, the study aimed to determine the level of financial literacy, financial behavior, and sustainable investment practices among OFWs in China, as well as the significant relationships among these variables. The study used a mixed-methods research design through a convergent parallel approach. The quantitative component applied a descriptive-correlational design, while qualitative responses were analyzed using thematic analysis through coding, categorization, and theme development to further support and explain the quantitative findings. Quantitative and qualitative results were analyzed separately and integrated during the interpretation stage to provide a more comprehensive understanding of the financial practices of OFWs in China. A total of 104 OFWs currently working in mainland China participated in the study through purposive sampling. Data were collected using a self-administered questionnaire and were analyzed using frequency, percentage, mean, standard deviation, Pearson Product-Moment Correlation, and multiple linear regression analysis. The findings showed that OFWs in China generally demonstrated positive financial literacy, particularly in cash management, and positive financial behaviors, especially in saving and controlled spending practices. Sustainable investment practices were also found to be generally positive. Qualitative findings further revealed that participants viewed saving, budgeting, and financial discipline as essential foundations for long-term investment and financial security, reinforcing the quantitative results. The regression analysis further revealed that both financial literacy and financial behavior had significant relationships with sustainable investment practices, although financial behavior showed a stronger predictive influence. The study concluded that sustainable investment practices among OFWs in China were influenced not only by financial knowledge but also by actual financial habits and behaviors. The findings emphasized the importance of strengthening practical and behavior-focused financial education programs for OFWs in China.

Keywords: financial literacy, financial behavior, sustainable investment practices, investment behavior, Overseas Filipino Workers