francaisLes croyances et les perceptions des individus qui sont sur le point de demarrer leur activite d’investissement sur les marches financiers sont un sujet peu explore par la Sociologie de la Finance. Dans cet article, nous presentons de nouvelles preuves sur les opinions des futurs investisseurs, en ayant recours a un questionnaire distribue a un groupe de 177 etudiants universitaires entre 2014 et 2016. Les resultats obtenus suggerent que les individus ont des perceptions inconsistantes sur les marches financiers, mettant aussi en lumiere un conflit entre le besoin abstrait de reglementation et les consequences subjectives qui decoulent de l’application de pratiques reglementaires. portuguesAs crencas e percepcoes dos individuos que estao prestes a iniciar a sua actividade de investimento nos mercados financeiros tem sido uma materia pouco explorada pela Sociologia das Financas. Neste artigo apresentamos nova evidencia acerca das opinioes dos futuros investidores, recorrendo a um questionario distribuido a um grupo de 177 estudantes universitarios entre os anos 2014 e 2016. Os resultados obtidos sugerem que os individuos tem percepcoes inconsistentes acerca dos mercados financeiros, evidenciando-se igualmente um conflito entre a necessidade abstracta de regulacao e as consequencias subjectivas decorrentes da aplicacao das praticas regulatorias. EnglishIn the field of the Sociology of Finance, the beliefs and perceptions of individuals about to begin investing in financial markets has not been an issue thoroughly explored in the literature. In this article, we present new evidence about the opinions of future investors taken from a survey of 177 university students from 2014-2016. The results suggest that individuals have inconsistent perceptions about the financial markets; in addition, there is conflict between the abstract need for regulation and the subjective consequences arising from the application of regulatory practices.