• The Journal of Asian Finance, Economics and Business
• /
• 제7권5호
• /
• pp.279-290
• /
• 2020

This study examines how economic preparation for later life directly influences life after retirement. As people's life cycle is gradually getting longer, preparation for the later time with less economic activity after retirement is becoming more important. Thus, this study analyzes the factors influencing life after retirement. Data comes from the Korean Retirement and Income Study (KReIS) surveyed carried out by the National Pension Research Institute in 2015. The analysis includes Cronbach's alpha, Pearson Product Moment Correlation Coefficient and Sobel Test. This study confirms that voluntary retirement has a positive influence on life satisfaction. Results are in line with previous research about the relationship between voluntary retirement and retired life. When a person retires voluntarily, financial preparation can be made in advance for retirement. In case of involuntary retirement, people may experience a sense of loss in personal standing and financial difficulties due to the unexpected situation. Especially, early retirement from the main workplace leads to unstable later life. The study's policy recommendation, in particular, calls on government and businesses to agree on social responsibility for helping employees to retire in the predictable retirement time and, thus, enabling the retiree to decide all aspects of the path after retirement.

• 가족자원경영과 정책
• /
• 제16권2호
• /
• pp.59-76
• /
• 2012

This study examines the relationship between intergenerational financial resource transfers and preparation for later life among the middle-aged. The study sample consists of 1536 middle-aged individuals with at least one living parent and one married child. The level of preparation for later life is dependent upon the level of household economic status. The statistically significant variables predicting the level of preparation for later life include age, education, subjective health status, household income and household assets. Moreover, intergenerational resource transfers are statistically significant factors that explain the level of preparation for later life. The effect of financial transfers from middle-aged parents to their adult children on the level of preparation for later life is the most significant financial transfer variable.

• 가족자원경영과 정책
• /
• 제17권2호
• /
• pp.147-172
• /
• 2013

The purpose of this study was to examine the relative influences of variables that affect baby boomers' perceptions and preparations for later life planning. An age-group comparison was made to examine differences in later life planning within baby boomers. 814 respondents were selected from The National Survey of Korean Families undertaken by the Ministry of Equality and Family in 2010. They were devided into two groups according to the year of their birth, the former baby boomers was 397 respondents who was born from 1955 to 1959, and the latter baby boomers was 417 respondents who was born from 1960 to 1963. The major results of this study were as follows: First, the former baby boomers was less likely to prepare for later life, while was more likely to be aware of their later life planning than the latter baby boomers. Second, educational attainment and the number of children affected the level of perceptions and preparations for later life planning of the former baby boomers, whereas sex and region affected those of the latter baby boomers. Third, household income and subjective awareness of economic status were the major determinants of the preparation level for later life by both the former and the latter baby boomers. Fourth, former baby boomers who had greater awareness of the need to support their parents and their children were more likely to prepare for later life. Fifth, baby boomers' subjective awareness of their economic status chiefly explained the gap between their level of perceptions and their preparation for later life, with the former baby boomers with more children and single-earner households more likely to show a gap between their level of needs and their preparation for later life.

• 재활복지
• /
• 제17권4호
• /
• pp.53-77
• /
• 2013

본 연구는 고령화 사회에서 고령여성장애인 삶의 만족도를 높이는 것이 궁국적인 목표라는 인식에서 출발하였다. 이를 통해 삶의 만족도에 영향을 미치는 요인을 확인하고, 영향을 미침에 있어 노후준비가 영향을 주는지 살펴보았다. 선행연구에서 비장애인의 경우 삶의 만족도와 노후준비의 연관성이 나타났으며, 이러한 내용이 고령여성장애인의 삶의 만족도에도 동일하게 적용되는 것인지에 대한 검증을 위하여 수행되었다. 본 연구의 대상은 고용노동부 한국장애인고용공단에서 조사한 장애인고용패널의 4차년도(2011) 자료로 이 중 50세 이상 고령여성장애인 1,175명이며, 자료분석은 SPSS Win 18.0 프로그램을 사용하여 분석하였다. 연구결과, 심리요인, 건강요인, 경제요인, 사회요인이 삶의 만족도에 영향을 미치는데 있어 노후준비의 조절효과를 살펴보면, 주관적 소속계층이 고령여성장애인의 삶의 만족도에 영향을 미침에 있어 노후준비는 조절효과가 있는 것으로 나타났다. 따라서 고령여성장애인의 삶의 만족도를 높이기 위해서는 노후준비를 위한 지원이 필요할 것이다.

• 가족자원경영과 정책
• /
• 제20권4호
• /
• pp.1-17
• /
• 2016

The purpose of this study was to investigate the effect of family characteristics of the baby boomer generation on the level of their later life preparation. This study randomly sampled a birth cohort between 1955 and 1963 consisting of participants living in Seoul, South Korea with a spouse and a child/children. This study investigated a total of 455 subjects from March 2 to March 20, 2016. The study findings are summarized as follows. This study analyzed the characteristics of baby boomers' family relationships and their effects on their later life preparation. It was found that 55.4% of the subjects had at least 2 children, and 44.6% had 1 child. Concerning their children's marital status, 33.8% had married children and 66.2% had unmarried children. The level of their children's support was found at 2.82 points (standard deviation [SD] = .64), which is slightly higher than the mean value of 2.5. The spouse satisfaction among the subjects was found to be 3.59 (.79) which is higher than the mean value of 3. The general status of later life preparation was 2.70 (SD = .44), which is lower than the mean value of 3. In the sub-dimension, the level of social preparation was 2.98 points (SD = .61); the level of economic preparation was 2.60 (SD = .64); and the level of physical preparation was 2.53 (SD = .45). All the values were lower than the mean value of 3. The overall status of later life preparation of the subjects in this study was low. The physical preparation level was particularly low. To analyze the factors that affect baby boomers' later life preparation, a hierarchical regression analysis was implemented. As a result, a significant effect was found in specific factors, such as spouse satisfaction (${\beta}$ = .32, p < .001), age (${\beta}$ = .26, p < .001), number of children (${\beta}$ = -.18, p <.001), health status (${\beta}$ = .18, p < .001), gender (${\beta}$ = -.11, p < .05), household income (${\beta}$ = .10, p < .05), and children's marital status (${\beta}$ = .10, p < .05). That is, the higher the spousal satisfaction, the older the age, and the lower the number of children, the higher the levels of later life preparation. Further, a higher level of later life preparation was observed in women, those with higher household incomes, and those with married children.

• 문화기술의 융합
• /
• 제6권2호
• /
• pp.257-262
• /
• 2020

본 연구는 대구광역시 및 경상북도에 소재하고 있는 35세부터 64세까지의 성인들을 대상으로 중장년층이 인식하는 노인 이미지와 노후생활 준비도를 분석하였다. 이에 따른 연구결과는 다음과 같다. 첫째, 중장년층이 인식하는 노인 이미지 중 심리적 이미지가 가장 긍정적이었고 다음으로 신체적 이미지, 사회적 이미지 순으로 나타났다. 학력이 높을수록, 정규직이거나 부모 모두 생존할 경우, 노인 이미지가 긍정적이었다. 그리고 기혼일 경우 노인의 심리적 이미지가 좋았으며 노인의 기준 나이를 높게 책정할수록 노인의 심리적, 사회적 이미지가 좋은 결과를 보였다. 둘째, 중장년층의 노후생활 준비도는 정서적 준비, 신체적 준비 순으로 높았다. 반면 준비가 부족한 것은 경제적 준비, 여가·사회적 준비로 나타났다. 여성일수록 학력이 높을수록, 월평균 가계수입이 높을수록, 전문직일수록, 정규직일수록, 노인의 나이 기준을 높이 책정할수록 노후생활 준비도가 높았다. 셋째, 중장년층의 노인 이미지와 노후생활 준비도는 하위요인 간에 서로 영향을 주며, 노인에 대한 이미지가 긍정적일수록 노후생활 준비를 잘하는 것으로 나타났다. 이상의 연구결과는 바람직한 노인 이미지의 개선 방향을 제시할 수 있으며, 개인과 사회적 지원의 방안을 모색하고 성공적인 노후생활 준비를 위한 교육프로그램을 개발하는데 시사한다.

• 한국주거학회논문집
• /
• 제17권1호
• /
• pp.155-164
• /
• 2006

The purpose of this research was to find out attitudes toward work and leisure in later life and intention to move to senior community available to work among 50's in Pusan, Daegu, and Daejeon. The survey had been conducted in 414 respondents with questionnaire during May to June, 2003. Frequency, Crosstabs, T-test and ANOVA were obtained from the collected data using SPSS/WIN program. The results of this study were as follows. First, most respondents were preparing toward work in later life somewhat actively and the level of preparation differed by individual characteristics. Those who have higher level of education and subjective economic power were more active. The most preferred work item in later life were raising animals and plants, managing institution and training center and running shop. Those who have higher level of education and asset preferred managing institution and training center. Second, nearly three fourths of middle-aged have chosen leisure activities in consideration of later life and two thirds were preparing economically for leisure in later life. They have strong intention to participate in the leisure activity in later life and they also wanted to take part in various kinds of leisure activities. Those who have higher levels of education, subjective economic power, health and asset were more active in preparing leisure in later life. Third, over two thirds preferred to live and work in later life together with others rather than to live and work alone. Nearly half had intention to move to the senior community where work was available. The intention to move were differed by attitudes to work and leisure in later life. Those who were active in work and leisure in later life presented higher intention to move to senior community available work.

• 가정과삶의질연구
• /
• 제24권4호
• /
• pp.127-139
• /
• 2006

The purpose of this research was to find out relation between the attitudes toward work and leisure in later life and intention to move to senior community available to work among 50's in Seoul, Incheon, and Kyunggido. The same research questions would be revealed as the previous one done by Cho & Cho(2006). The data were the part of the survey collected from 556 respondents with questionnaire during November, 2002 by the Hong's research team(2004). The results of this study showed that most respondents were somewhat actively preparing toward work in later life and the level of preparation differed by the individual characteristics such as age, health and occupation. They preferred various work items specially managing facility center, raising animals and plants, and managing educating center, which were different from what current elderly workers were mainly involved in. Similarly to the work, most respondents cared for the kind of leisure activities to continue and saved money for the leisure expenses in later life. The better the economic conditions, the more actively prepared for leisure in later life. They were strongly expected to participate in public leisure facilities and programs for the elderly as a user, volunteer, and/or activist. Over two thirds of the respondents preferred to work and live together in later life and over two out of five had intention to move to the senior community available to work. The more active in work and/or leisure in later life, the higher intention to work together and/or to move to the community. Those results generally supported the previous research showed that the needs of work and leisure in later life would be increased and varied, therefor housing for the elderly should considered work space and program as well as leisure. The further study was suggested to focus on the potential and current residents in the sample case of the comprehensive welfare town for the elderly by local administration.

• 한국콘텐츠학회논문지
• /
• 제15권8호
• /
• pp.313-325
• /
• 2015

본 연구는 산재경험 고령자의 경제적 노후준비에 영향을 미치는 요인을 앤더슨모형을 적용하여 분석하고, 과거 산재당시 종사상지위에 따라 정규직 근로자와 비정규직 근로자로 구분해 경제적 노후준비의 영향요인을 분석하고자 하였다. 이를 위해 산재보험패널조사(PSWCI)의 1차년도 자료를 이용하여 로지스틱 회귀분석을 실시하였다. 연구결과, 선행요인에서는 학력이 높고 정규직인 근로자가 비정규직인 여성 근로자에 비해 경제적 노후준비 가능성이 높게 나타났다. 자원요인에서는 정규직, 비정규직 근로자 모두 근로소득이 많을수록 노후준비 가능성이 높게 나타났으나, 국민연금 가입여부는 경제적 노후준비에 도움을 주지못하였다. 비정규직 근로자에게는 건강보험 가입이 경제적 노후준비에 영향을 미치고 있었다. 욕구요인에서는 정규직과 비정규직 근로자 모두 산업재해로 인한 통증이 일상 및 삶을 방해하는 정도가 높을수록 경제적 노후준비에 취약함을 확인하였다. 이러한 연구결과를 토대로 하여 정책적 함의를 제시하였다.

• 가족자원경영과 정책
• /
• 제17권4호
• /
• pp.189-213
• /
• 2013

The purpose of this work is to explore different types of intergenerational relationships in the later lives of old retirees. This will be done according to the eligibility of public pension and the old age social security system so that the factors affecting intergenerational relationships can be analyzed, and to propose a plan to improve social adaptation in later life. The data used in this work are the Fourth basic survey data of the 2011 Korea Retirement and Income Study. The study subjects of this work were 2,435 retirees over age 65 who had children. In this study, latent class analysis and logistic regression analysis were conducted to classify types of intergenerational relationships and to analyze the influence of relevant factors. As a result of the analysis, some of those in the group were eligible for public pension, and the ones who were not were classified into three types: the closely-living-together type, the separate-living-contact type, and the estrangement type. In the group not eligible for public pension, it was found that age, spouse, number of children, economic factors, and level of health satisfaction gave significant power to intergenerational relationships. In the group eligible for public pension, it was found that age, income and net assets, ADL(Activities of Daily Living), whether there was an IADL(Instrumental Activities of Daily Living) spouse, and number of children affected types of intergenerational relationships; Socio-demographic factors, economic factors, and healthy factors became significant variables according to the classified types of intergenerational relationship. Based on the study results, this work suggested such necessities to lay the foundation for an elderly welfare system for social adaptation in later life, This includes the offering of programs for retirement preparation, the use of family and local society resources, and expansion of the opportunity to participate in social activities.