Retirement Attitude Research Articles

중장년 직장인의 노후생활인식이 퇴직태도와 라이프스타일 및 은퇴준비에 미치는 영향

Objectives In this study, we selected the variables of retirement life perception, retirement life, and lifestyle that affect the retirement preparation of middle-aged office workers, and analyzed the structural relationship among them.
 Methods To conduct this study, we performed the survey using the Naver Form on 530 male and female office workers aged 40 to 65 years living across the country and used the final analysis from 507 people. We conducted a correlation analysis on the collected data using the SPSS Ver 24.0 program to observe the relationship between retirement life perception, retirement life, and lifestyle of middle-aged office, and a structural relationship analysis was conducted using the AMOS 24 program.
 Results The analysis results are as follows. First, the difference according to the demographic characteristics of middle-aged office workers is that women showed a more positive level of retirement life perception than men, and in the retirement preparation men were better than women. Also, the higher educational level positively influ-ences retirement attitude, and lifestyle was not statistically significant. Second, we found that the perception of retirement life, retirement attitude, lifestyle, and retirement preparation of middle-aged office workers have pro-portional direction. Third, there were direct and indirect effects on retirement life, retirement attitude, lifestyle, and retirement preparation which middle-aged office workers perceived. Fourth, the retirement attitude and lifestyle perceived by middle-aged office workers showed a positive mediating effect in the causal relationship between the perception of retirement life and retirement preparation.
 Conclusions Our study suggests that the perception of retirement life as perceived by middle-aged office workers not only has a direct positive effect on retirement preparation, but is also a variable that indirectly helps retirement preparation through retirement attitude and lifestyle.

Using the Theory of Planned Behaviour to Explore Predictors of Financial Behaviour Among Working Adults in Malaysia

The current study sought to explore the predictors of financial behaviour among working adults based on the theory of planned behaviour. This study employed the correlational cross-sectional questionnaire-based research design. In total, 558 samples were obtained through a purposive sampling technique. The measurement model and proposed research model were evaluated using partial least squares structure equation modelling. The findings revealed that financial knowledge is positively associated with the attitudes towards retirement, perceived behavioural control, subjective norms, and financial behaviour of working adults. In addition, the findings demonstrated that retirement attitude, perceived behavioural control, and subjective norms each had a positive relationship with behavioural intention towards planning for retirement. Furthermore, the results showed that behavioural intention and perceived behavioural control are positively associated with the financial behaviour of working adults. The findings could aid financial educators and advisors in delivering the correct blend of financial knowledge to assist working adults in making better financial decisions and practising proper financial behaviour.

An Application of the Resource-Based Dynamic Process Model in the Context of Retirement Planning

AbstractRetirement planning is a widely promoted activity to enhance wellbeing for aging populations. However, there is limited follow-up data to understand the antecedents of multi-dimensional retirement planning activities, the resources such activities produce or the explanatory mechanisms. This research draws on recent theorizing, which suggests that retirement planning may play a mediating role in explaining how pre-retirement antecedents are transformed into retirement resources. Antecedents, planning and retirement resources were examined using 3 waves of follow-up data collected in 2006, 2008, and 2014. Four hundred thirty-five people originally employed in 2008 and retired by 2014 participated in the study. Health, income, and a positive retirement attitude (T1) were the strongest predictors of retirement planning (T2), but job satisfaction and occupation also played smaller predictive roles. Financial planning (T2) predicted health, psychosocial, and financial resources in retirement (T3). However, health, lifestyle, and psychosocial planning played a minimal role in explaining retirement resources, and only financial planning demonstrated noteworthy evidence of mediation. Findings can help to inform policy decisions by identifying those at greatest risk of not planning, and to isolate the factors most likely to explain the longer-term effects of planning. Understanding which resources are predicted by different domains of planning will also help inform the targeting of interventions.

The Effect of Resilience of Middle-aged Employees on Job Satisfaction: Meditating Effect of Retirement Attitude

The Effect of Resilience of Middle-aged Employees on Job Satisfaction: Meditating Effect of Retirement Attitude

The Effect of Resilience of Middle-aged Employees on Retirement Attitude and Retirement Preparation.

The Effect of Resilience of Middle-aged Employees on Retirement Attitude and Retirement Preparation.

Islamic Retirement Planning Among Indonesian Bankers

<p><em>This study aims to analyze differences in demographic factors towards retirement planning behavior according to Islamic perspective. This research wants to analyze the influence of clarity of purpose, retirement attitude and potential conflict towards retirement planning behavior according to among the Muslim who is working in a conventional bank and the Islamic Bank. The sample used in this study as many as 270 respondents of both conventional & Islamic Banker in Indonesia. There are two methods that are used in this research which are ANOVA and Multiple Linear Regression. The results identified several demographic variables that were significant such employment status (either working in the conventional bank or Islamic Bank) and income level. Furthermore, some demographic variables do not significant including age, number of dependents and level of education. This research also shows that non-demographic variables such as clarity of purpose, retirement attitudes and potential conflicts affect significantly to influence the behavior of bankers in retirement planning according to Islamic perspective. In conclusion, the conventional Muslim bankers know that they should manage their retirement according to the Shariah value. However, some of them didn’t believe that the Shariah investment instrument can fulfill their desired retirement goals. </em></p>

베이비부머의 퇴직불안과 퇴직태도가 노후생활계획에 미치는 영향

베이비부머의 퇴직불안과 퇴직태도가 노후생활계획에 미치는 영향

A Study on the Relationship between the Wage Peak System and the Retirement Attitude and Preparation of the Workers: focused on the public enterprise

A Study on the Relationship between the Wage Peak System and the Retirement Attitude and Preparation of the Workers: focused on the public enterprise

A Study on the Structural Relationship between Motive of Participation in Leisure, Retirement Attitudes, and Life Satisfaction of Social Workers

이 연구는 사회복지사들의 여가활동참여동기와 퇴직태도 그리고 생활만족도와의 구조적 관계를 파악하기 위해 2017년 11월 1일부터 2017년 12월 15일까지 서울과 경기지역에 근무하고 있는 사회복지사를 대상으로 연구를 진행하였다. 자료분석은 SPSS 20.0 for Windows 통계 패키지와 AMOS 7.0 프로그램을 활용하여 분석하였고, 이에 따른 분석결과는 다음과 같다. 첫째, 여가활동참여동기가 사회적응성에 미치는 영향을 분석한 결과에서 문화적 활동은 사회적응성에 유의한 영향을 미치지 않는 것으로 파악되었다. 그러나 정신적 활동, 신체적 활동, 사교적 활동은 사회적응성에 유의한 영향력이 있는 것으로 파악되었다. 둘째, 여가활동참여동기가 자아통합감에 미치는 영향을 분석한 결과에서 문화적 활동, 정신적 활동, 신체적 활동은 자아통합감에 유의한 영향을 미치지 않았지만 사교적 활동은 자아통합감에 유의한 영향을 미치는 것으로 분석되었다. 셋째, 퇴직태도가 생활만족도에 미치는 영향을 분석한 결과, 사회적응성은 생활만족도와 별다른 영향을 미치지 않았지만 자아통합감은 생활만족도에 직접적인 영향을 미치는 것으로 분석되었다. 따라서 사회복지사들의 퇴직태도를 긍정적인 방향으로 변화하고, 생활만족도를 높이기 위해서는 다양한 여가활동의 개발이 필요하고, 이에 대한 인식 변화가 있어야 할 것이다.The purpose of this study was to investigate the structural relationships between social workers motive of participation in leisure, retirement attitudes and life satisfaction. The results of this study are as follows: First, social worker in Seoul and Gyeonggi area from November 1, 2017 to December 15, The research was conducted. The analysis method of research data was analyzed using SPSS 20.0 for Windows statistical package program and AMOS 7.0 program, and the analysis results are as follows. First, as a result of analyzing the effect of leisure motivation on social adaptability, cultural activities did not have a significant effect on social adaptability. However, mental, physical, and social activities were found to have significant influence on social adaptability. Second, the results of analyzing the effect of leisure activity type on ego integrity showed that social activities, mental activities, and physical activities had no significant effect on ego integrity, but social activities had a significant effect on ego integrity. Third, as a result of analyzing the effects of retirement attitude on life satisfaction, it was analyzed that social adaptability had no significant effect on life satisfaction, but ego integrity directly affected life satisfaction. Therefore, in order to change the retirement attitude of social workers to positive direction and increase life satisfaction, it is necessary to develop diverse leisure activities and change their perception.

Job Satisfaction, Retirement Attitude and Intended Retirement Age: A Conditional Process Analysis across Workers' Level of Household Income.

In the contemporary workplace, insight into retirement behaviors is of crucial importance. Previous empirical evidence has found mixed results regarding the relationship between work attitudes, such as job satisfaction, and retirement behaviors, suggesting that further scholarly examination incorporating moderating and mediating variables into retirement models is needed. Drawing on comparative models of attitude to retirement, we hypothesized a direct relationship between job satisfaction and intended retirement age for workers with a high household income and an indirect relationship between job satisfaction and intended retirement age, via retirement attitude, for workers with a low or mean household income. We collected data from a sample of 590 United Kingdom workers aged 50+. Using conditional process analysis, we found that the underlying mechanisms in our research model differ according to socio-economic status. We found no direct effect between job satisfaction and intended retirement age. However, an indirect effect was observed between job satisfaction and intended retirement age, via retirement attitude, for both low- and mean-household income individuals. Specifically, the relationship between job satisfaction and retirement attitude differed according to socio-economic group: for high-household income older workers, there was no relationship between job satisfaction and retirement attitude. However, for low- and mean-household income older workers, we observed a negative relationship between job satisfaction and retirement attitude. Otherwise stated, increases in job satisfaction for mean and low household income workers are likely to make the prospect of retirement less attractive. Therefore, we argue that utmost care must be taken around the conditions under which lower income employees will continue their work when getting older in order to protect their sustainable employability.

기혼중년남성이 지각한 회복탄력성 및 은퇴태도가 의미있는 삶에 미치는 영향

The purpose of this study is to investigate the effects of resilience and retirement attitudes perceived by middle-aged married men on a meaningful life, and provide basic data based on empirical research for reexamining meaningful lives of middle-aged married men. For the study, a survey was conducted with middle-aged men aged between 40 and 60 who were married with children and employed and live in Seoul or Gyeonggido. A total of 476 copies of data were analyzed. For the analysis, SPSS 20.0 was used to perform frequency analysis, descriptive statistics, t-test, and one-way ANOVA, and the Duncan multiple range test and multiple regression analysis were performed. The result was as follows: First, Levels of resilience, retirement attitudes and meaningful life were moderate. Second, middle-aged married men had significant differences according to education, job, religion, Monthly family income, Wife's employment, marital status and Subjective health condition on meaningful life. third, middle-aged married men had an impact on resilience and retirement attitude on a meaningful life. In particular, the Affirmation of the resilience of the sub-region and the Transition to Old Age part of the retirement attitudes were significantly affected. Therefore, it is necessary to consider enough family support and social support for middle aged men.

한국 치과기공사의 은퇴태도

Purpose : The purpose of the study is to investigate the need for the retirement attitude of korean dental technicians. Retirement attitude is important in the study of retirement planning. Methods: A total of 778 dental technicians were selected by proportional stratified by region compared to extraction sampling from a list of korea dental technician association in 2012. The final sample size was 386. Questionnaires consisted of 10 questions general characteristics, 9 questions for the current life satisfaction and retirement preparation, and 4 questions about retirement attitudes on a Likert 5 scale. Cronbach's alpha was 0.812 in the study. All statistical analyzed were performed using SPSS 14.0(Statistical Packages for Social Science Ver. 14.0. Chicago, IL, USA). Results: An average of 3.01 ± 0.8 dental technicians were retirement attitude. To affect retirement attitude marital status, age, subjective health status, assets satisfaction, job type, job satisfaction and the economic outlook was living after retirement (p <0.05). Conclusions: This study suggested that retirement attitude of korean dental technicians was very important and the preparation must be connected with the social welfare policy.

Factors Affecting Retirement Attitude among Elementary School Teachers

This study investigated the relationships of teacher efficacy, perceived organizational control, and the teacher-student age gap with teachers’ retirement attitudes. Stratified random sampling was adopted to collect survey responses. A total of 498 valid surveys from 33 elementary schools were collected. Correlational analyses revealed significant positive correlations of efficacy for classroom management (teacher efficacy subdomain), efficacy for student engagement (teacher efficacy subdomain), efficacy for instructional strategies (teacher efficacy subdomain), and the teacher-student age gap with three subdomains of teacher retirement attitude. In addition, there were significant positive correlations of efficacy for instructional strategies and perceived organizational control with the cognitive and behavior subdomains of retirement attitude. Hierarchical regression analysis revealed that efficacy for classroom management can positively predict the affective and cognitive subdomains of retirement attitude. Perceived organizational control can positively predict retirement attitude and its cognitive and behavior subdomains. Finally, the teacher-student age gap can predict retirement attitude and all its subdomains. Discussion of the results and recommendations for future research are provided.

Employees' Intentions to Retire Early

This study investigated the early retirement intentions of 346 older Dutch employees by extending the theory of planned behavior with anticipated work conditions. The results showed that employees who felt a pressure from their spouse to retire early had a strong intention to leave the work force before the official retirement age, that is 65. Also, employees' retirement attitude and perceived control over the retirement decision were related to early retirement intentions. Finally, the results indicated that employees might postpone early retirement when they anticipate working in a challenging and rewarding work environment. Together, our findings suggest a number of ways in which organizations can affect employees' early retirement decision making.

Behavioral effects of employer-sponsored retirement plans

AbstractMany organizations have either already terminated their defined benefit (DB) plans or are thinking about it, in order to offload the financial and regulatory risks these programs pose. But plan sponsors should think carefully about how their decision might affect their workers' commitment and productivity – and ultimately their organization's success.To answer those and other retirement questions, Watson Wyatt set out to learn how DB and defined contribution (DC) plans affect employees' workforce behavior and decisions. Watson Wyatt's Retirement Attitude Survey (WWRAS) found that, while most workers value both types of plans very highly, workers with DB plans generally appreciate their retirement programs significantly more than those with only a DC plan. This was particularly the case for those with a hybrid pension plan. This analysis found that retirement plan generosity and effective communication strongly affect a plan's perceived value to employees. This has important implications for plan sponsors, since greater plan appreciation is strongly linked to employee commitment. In fact, we found that workers covered by a defined benefit plan express a very strong commitment to their current employer, while DC plan coverage has no effect on employee commitment. This is partly owing to a selection effect, whereby firms with DB plans tend to attract more committed workers. However, even after controlling for the selection effect, DB plans exert an independent effect on the likelihood that employees will stay with their employer.

Factors Associated with Seeking and Using Professional Retirement‐Planning Help

This article presents findings from a study that examined the factors that influence who is more likely to seek and use help with their retirement questions and concerns from professional advisors or others, including friends, colleagues, and publications. A model of retirement help‐seeking behavior is presented. Logistic regression results using data from the 1998 Retirement Confidence Survey (N = 711) showed that among preretirees, women versus men, those who (a) had higher incomes, (b) exhibited better financial behaviors, (c) had positive and proactive attitudes toward retirement, and (d) had a higher level of financial risk‐tolerance were more likely to seek and use help from financial professionals when making retirement investment decisions.

Job Deprivation in Retirement

This paper examines various previous findings and explores factors related to feelings of "missing work" after retiring by means of stepwise, multiple-regression analyses run separately among 262 preretirees and 341 retirees aged 60-75 in a Swedish sample. It was found that 55% of preretirees anticipated job deprivation, whereas 36% of retirees actually reported such feelings. In both groups, "missing work" was significantly related to favorable work orientation and reluctance to retire, a pattern found among both blue-and white-collar workers, and job deprivation was also positively associated with work orientation independently of the retirement attitude; no associations were found with age, sex, education, and residence.