Börsch-Supan Axel, Bucher-Koenen Tabea, Hurd Michael D, Rohwedder Susann
Munich Center for the Economics of Aging at the Max Planck Institute for Social Law and Social Policy, Munich, Germany.
Technical University of Munich, Germany.
J Econ Psychol. 2023 Jan;94. doi: 10.1016/j.joep.2022.102577. Epub 2022 Nov 22.
In countries, where a substantial proportion of retirement income rests on savings, there is much concern that a sizeable fraction of the population reaches retirement with insufficient financial resources. We define saving regret as the wish in hindsight to have saved more earlier in life. We measured saving regret and possible determinants in a survey of U.S. households in which respondents were aged 60-79. We find high levels of saving regret, affirmed by some 58%. Saving regret exhibits significant and plausible correlations with personal characteristics and wealth: Married, older, healthier and wealthier respondents are less likely to report saving regret, suggesting the measure's validity. We find only weak evidence for correlations between saving regret and measures of procrastination: persons with traits associated with procrastination express saving regret about as often as those without those traits.
在那些很大一部分退休收入依赖储蓄的国家，人们非常担心有相当一部分人口在退休时财务资源不足。我们将储蓄遗憾定义为事后希望早年能多储蓄一些。我们在一项针对60 - 79岁美国家庭的调查中测量了储蓄遗憾及可能的决定因素。我们发现储蓄遗憾程度很高，约58%的受访者予以肯定。储蓄遗憾与个人特征和财富之间存在显著且合理的相关性：已婚、年龄较大、健康状况较好且较富有的受访者报告储蓄遗憾的可能性较小，这表明该测量方法的有效性。我们仅发现储蓄遗憾与拖延测量指标之间存在微弱的相关性证据：具有与拖延相关特质的人表达储蓄遗憾的频率与没有这些特质的人差不多。
