da Silva Eduarda A S R G, Silva César A T
School of Economy, Business Administration, Accounting and Public Policies (FACE), University of Brasilia (UnB), Brasília, Brazil.
J Aging Res. 2023 Oct 10;2023:2020189. doi: 10.1155/2023/2020189. eCollection 2023.
A large proportion of older persons in developing countries do not have access to pension, which also constrains their ability to afford healthcare services and entails extensive challenges to the well-being of older people. This study aimed to analyze the financial preparedness of different age groups for retirement in Brazil. Data were derived from a survey to empirically validate the proposed relationships between and (financial well-being (FWB) outcomes) on the one hand and among aspects, , , and "key" on the other hand. The sample consisted of 412 individuals aged between 22 and 79 years. FWB was measured using the financial capability and well-being model and regressed on a number of sociodemographic and psychological variables using linear regression analyses. The results demonstrated that was strongly related to older age. Additionally, age was correlated with close to zero, which indicates no relationship. and the of self-control and confidence were positively and strongly related to better for all age groups. In addition, g and were positively related to better in the older age group. Furthermore, the variables of retirement contribution were seemingly not viewed as important to the older group compared with their young and mature counterparts. Multidimensional interventions, especially targeting and patterns, could, therefore, be recommended in advance to young and mature groups to prepare them to secure their old age and achieve FWB.
发展中国家很大一部分老年人没有养老金，这也限制了他们支付医疗服务的能力，并给老年人的福祉带来了诸多挑战。本研究旨在分析巴西不同年龄组退休后的财务准备情况。数据来自一项调查，以实证验证一方面与（财务福祉（FWB）结果）之间以及另一方面在方面、、、和“关键”之间拟议的关系。样本包括412名年龄在22岁至79岁之间的个体。使用财务能力和福祉模型测量FWB，并使用线性回归分析对一些社会人口统计学和心理变量进行回归。结果表明，与年龄较大密切相关。此外，年龄与接近零相关，这表明没有关系。自我控制和信心的以及对所有年龄组而言，与更好的呈正相关且密切相关。此外，在老年组中，g和与更好的呈正相关。此外，与年轻和成熟组相比，退休缴款变量对老年组似乎不被视为重要。因此，可以提前向年轻和成熟组推荐多维干预措施，特别是针对和模式的措施，以使他们为保障老年生活和实现FWB做好准备。
