Predictive analytics serves as the method through which this research evaluates how financial knowledge affects investment decisions. Current investors focus on data-based strategies because of financial markets’ advancing complexity for improving investment positions and lowering risk exposure. The capacity to understand financial concepts enables investors in making better investment decisions with predictive analytics tools and effectively using them. This research investigates both the interpretation methods of predictive analytics results applied by investors who have different levels of financial literacy knowledge alongside their subsequent decision-making steps. The research implements a blend of methods to acquire both survey-based quantitative information and investigative qualitative findings from individual investors and financial advisors. Higher financial literacy leads to improved abilities among investors to use predictive analytics tools efficiently for making better strategic investment choices. This research delivers necessary understanding to financial teaching institutions together with government officials and technological developers to create improved training systems that match investor skillsets.