退休财务准备的心理决定因素。

Psychological determinants of financial preparedness for retirement.

作者信息

Hershey D A, Mowen J C

机构信息

Department of Psychology, Oklahoma State University, Stillwater 74078, USA.

出版信息

Gerontologist. 2000 Dec;40(6):687-97. doi: 10.1093/geront/40.6.687.

DOI:10.1093/geront/40.6.687

PMID:11131085

Abstract

PURPOSE

Economists predict that in the coming decades an unprecedented number of American baby boomers will enter retirement lacking adequate resources. The present investigation was designed to examine the factors that influence individuals' financial preparedness for retirement.

DESIGN AND METHODS

A total of 230 participants each completed a multifaceted questionnaire on their own personal retirement planning practices. Structural equation modeling techniques were used to examine the relationships among individuals' personality characteristics, their financial knowledge, and financial preparedness.

RESULTS

The adopted structural model revealed that both personality constructs and financial knowledge were significant predictors of pre-retirement planning.

IMPLICATIONS

The findings from this study have important implications for how educational and marketing efforts should be developed for individuals who are differentially prone toward saving.

摘要