Noone Jack, O'Loughlin Kate, Kendig Hal
Faculty of Health Sciences, University of Sydney, Sydney, New South Wales, Australia.
Australas J Ageing. 2012 Sep;31(3):194-7. doi: 10.1111/j.1741-6612.2012.00600.x. Epub 2012 Aug 1.
Research from around the Western World has shown that psychological, socioeconomic and demographic factors can influence levels of financial planning. This study aims to determine how these factors interrelate to predict planning outcomes.
Data from the Ageing Baby Boomers in Australia Study were used to examine the effects of multiple factors on financial planning for 709 employed Australians nearing retirement.
The results showed that higher income, future time perspective (FTP) and financial knowledge independently predicted levels of retirement planning. The effects of FTP and financial knowledge on financial planning were consistent across levels of socioeconomic status.
While similar issues in financial planning appeared across socioeconomic status, a 'one size fits all' approach to retirement policy may not be effective. Instead, policy should be targeted towards the diverse needs of different groups. Raising public awareness of FTP and financial knowledge may provide a useful starting point.
来自西方世界的研究表明，心理、社会经济和人口因素会影响财务规划水平。本研究旨在确定这些因素如何相互关联以预测规划结果。
澳大利亚婴儿潮一代老龄化研究的数据用于检验多种因素对709名即将退休的在职澳大利亚人的财务规划的影响。
结果表明，较高的收入、未来时间观（FTP）和金融知识独立预测退休规划水平。FTP和金融知识对财务规划的影响在社会经济地位的各个层面都是一致的。
虽然财务规划中的类似问题在不同社会经济地位中都存在，但“一刀切”的退休政策可能无效。相反，政策应针对不同群体的多样化需求。提高公众对FTP和金融知识的认识可能是一个有益的起点。
