经济衰退与预期退休年龄：对证据的再审视
Recession and expected retirement age: another look at the evidence.
作者信息
Szinovacz Maximiliane E, Martin Lauren, Davey Adam
机构信息
*Address correspondence to Maximiliane E. Szinovacz, Department of Gerontology, University of Massachusetts Boston, 100 Morrissey Blvd, Boston, MA 02125. E-mail:
出版信息
Gerontologist. 2014 Apr;54(2):245-57. doi: 10.1093/geront/gnt010. Epub 2013 Feb 28.
PURPOSE
This article expands on earlier analyses that assessed whether the recent recession influenced retirement expectations.
DESIGN AND METHODS
Acknowledging that planning for retirement is a complex process influenced by personal preferences, resources, economic factors, institutional policies, and social norms, we test more comprehensive models than those used in previous studies, using data from the 2006 and 2008 waves (Waves 8 and 9) of the Health and Retirement Study.
RESULTS
Our results confirm that economic changes impinge on retirement expectations, but they also show stronger influences of other factors such as debts and the work environment.
IMPLICATIONS
As the baby boom cohorts approach retirement age, it will be important to better understand how workers consider macro factors such as the state of the economy and firm-level factors and personal finances when planning for retirement.
目的
本文在早期分析的基础上进行拓展，该早期分析评估了近期的经济衰退是否影响退休预期。
设计与方法
鉴于退休规划是一个受个人偏好、资源、经济因素、制度政策和社会规范影响的复杂过程，我们使用来自健康与退休研究2006年和2008年两轮调查（第8轮和第9轮）的数据，测试了比以往研究中使用的模型更全面的模型。
结果
我们的结果证实经济变化会影响退休预期，但也表明债务和工作环境等其他因素的影响更强。
启示
随着婴儿潮一代接近退休年龄，在工人为退休做规划时，更好地了解他们如何考虑宏观因素（如经济状况）、企业层面因素和个人财务状况将非常重要。
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