Maestas Nicole
J Hum Resour. 2010 Summer;45(3):718-748. doi: 10.1353/jhr.2010.0011.
This paper analyzes a puzzling aspect of retirement behavior known as "unretirement." Nearly 50 percent of retirees follow a nontraditional retirement path that involves partial retirement or unretirement, and at least 26 percent of retirees later unretire. I explore two possible explanations: 1) unretirement transitions result from failures in planning or financial shocks; and 2) unretirement transitions are anticipated prior to retirement, reflecting a more complex retirement process. I show that unretirement was anticipated for the vast majority of those returning to work, and is not a result of financial shocks, poor planning or low wealth accumulation.
本文分析了退休行为中一个令人困惑的方面,即“重返工作岗位”。近50%的退休人员遵循非传统的退休路径,包括部分退休或重返工作岗位,并且至少26%的退休人员后来会重返工作岗位。我探讨了两种可能的解释:1)重返工作岗位是由于规划失误或财务冲击导致的;2)重返工作岗位在退休前就已被预期到,这反映了一个更为复杂的退休过程。我发现,绝大多数重返工作岗位的人在退休前就已预期到这一点,这并非财务冲击、规划不善或财富积累不足所致。