• 제목/요약/키워드: Preparation for Retirement

검색결과 126건 처리시간 0.029초

중년층의 소득계층별 세대간 경제자원 이전, 노후생활비 준비와 생활만족도 (Differences in intergenerational financial resource transfers among income levels: Focusing on financial preparation for later life and life satisfaction)

  • 고선강
    • 가족자원경영과 정책
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    • 제18권3호
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    • pp.79-101
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    • 2014
  • The main objective of this study is to explain the differences in intergenerational resource transfers among the middle-aged at various income levels. Analyses of data on financial resource transfers from the 2nd wave of the Korean Retirement and Income Study were conducted. The study sample consisted of 931 middle-aged individuals who had at least one living parent and one child. The data analysis methods were ${\chi}^2$ analysis, one-way analysis of variance(ANOVA), logistic regression analysis, and multiple regression analysis. Financial resource transfers are statistically significant factors explaining the preparation for later life and life satisfaction of middle-aged individuals. The empirical results reveal that the frequency of intergenerational financial transfers was significantly higher in high-income households than in middle- and low- income households. A comparison of high-, middle- and low-income households shows that financial resource transfers had a greater influence on the preparation for later life and life satisfaction of the middle-aged in middle-income households than in low- or high-income households. The level of life satisfaction was dependent upon to whom middle-aged individuals gave financial resources. In the middle-income group, the middle-aged who gave financial resources to their parents were more likely to have higher life satisfaction than those who did not. Receiving financial transfers from parents or children did not have a statistically significant impact on the life satisfaction of the middle-aged in any income-level group.

국내 노후대비 자산구조에 관한 연구 (A study on the financial structures for the old age preparations in Korea)

  • 박동인;조길호
    • Journal of the Korean Data and Information Science Society
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    • 제26권6호
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    • pp.1199-1206
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    • 2015
  • 최근 들어 OECD 국가 중 국내의 고령화 진입 속도가 가장 급속하게 증가하는 추세를 보이고 있다. 이로 인해 노인 빈곤율 및 노인 부양에 대한 이슈가 사회적 문제로 대두되면서 노후대비에 대한 중요성도 증대되고 있다. 따라서 이 연구는 급속히 증가하고 있는 고령층으로 인하여 발생되는 사회적 부담 문제를 미연에 방지하기 위해 국내 중장년층 가구주들의 노후대비 유무와 노후준비 결정요인을 분석하고 집단별 포트폴리오 구축 유형을 분석하는 데 목적이 있다. 연구 결과 노후대비를 위한 수단으로써 금융과 부동산을 결합한 상품을 개발한다면 노후대비 포트폴리오를 확대할 수 있을 것이라는 결론을 도출하였다. 위와 같은 연구 결과에 따라 인구통계학적 요인 뿐 아니라 보유 자원들의 정도에 따라 노후대비에 차이가 있다는 것을 알 수 있으며 특히 보유 자원들에 영향을 미치는 다양한 요소들이 노후대비가구와 미대비가구별로 차이가 있다는 것을 알 수 있다. 따라서 지속적으로 노후대비 유무에 따라 차이가 발생되는 포트폴리오에 대한 연구를 진행하고 국내의 고령층에 맞는 포트폴리오 구성 요인 등에 대해 파악해야 한다. 또한, 더 정교한 추정모형을 통해 더 나은 시사점을 제공해야할 필요가 있으며 본 연구를 통해 이러한 연구의 초석을 다졌다는 점에 의의가 있다.

Qualitative Investigation of Assisted Living Residents′ Foodservice Experience

  • Lee, Kyung-Eun;Carol, W. Shanklin;Huang, Hui-Chun
    • Journal of Community Nutrition
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    • 제6권1호
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    • pp.42-47
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    • 2004
  • The purpose of the study was to investigate assisted living residents' perception of foodservice experience using a qualitative approach. A total of 14 residents who lived in assisted living units of a continuing care retirement community participated in interview sessions. The interviews were semi-structured with open-ended questions. The interviews were transcribed and coded to identify themes from the responses. The residents perceived the availability of choices, variety of foods, and service positively, but expressed concerns about food preparation, food quality, and repetitive menus. They were particularly concerned with tough and dry meats. The foodservice department should consider the older residents' ability to chew and their changing taste buds when determining quality of food purchased and preparation methods. The residents considered the service pleasing and described it as satisfactory. They stated that the service staff was friendly but needed more training in proper service techniques. Communication between the foodservice department and the residents was an area to be improved. The foodservice department should increase the residents' involvement in the menu planning and evaluation of the foodservice on a routine basis. Foodservice managers and dietitians working for the older adults can utilize the findings of the study to identify strategies to improve foodservice at their facilities

Qualitative Investigation of Assisted Living Residents′ Foodservice Experience

  • Lee, Kyung-Eun;Carol W. Shanklin;Huang, Hui-Chun
    • Journal of Community Nutrition
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    • 제6권1호
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    • pp.41-47
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    • 2004
  • The purpose of the study was to investigate assisted living residents' perception of foodservice experience using a qualitative approach. A total of 14 residents who lived in assisted living units of a continuing care retirement community participated in interview sessions. The interviews were semi-structured with open-ended questions. The interviews were transcribed and coded to identify themes from the responses. The residents perceived the availability of choices, variety of foods, and service positively, but expressed concerns about food preparation, food quality, and repetitive menus. They were particularly concerned with tough and dry meats. The foodservice department should consider the older residents' ability to chew and their changing taste buds when determining quality of food purchased and preparation methods. The residents considered the service pleasing and described it as satisfactory. They stated that the service staff was friendly but needed more training in proper service techniques. Communication between the foodservice department and the residents was an area to be improved. The foodservice department should increase the residents' involvement in the menu planning and evaluation of the foodservice on a routine basis. Foodservice managers and dietitians working for the older adults can utilize the findings of the study to identify strategies to improve foodservice at their facilities.

대학생의 노인에 대한 지식과 노후인식수준이 노후준비에 미치는 융합적 영향 (Convergence Effect of College Students Knowledge on the Elderly and Recognition of Retirement on the Preparation for Retirement)

  • 박지연
    • 한국융합학회논문지
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    • 제11권2호
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    • pp.61-67
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    • 2020
  • 본 연구의 목적은 우리나라 대학생의 노후인식, 노인에 대한 지식 및 노후준비간의 관련성을 파악하고, 노후인식 및 노인에 대한 지식이 노후준비에 미치는 영향 정도를 규명하기 위함이다. 본 연구는 2019년 10월 1일에서 11월 30일까지 B시 소재 4년제 대학에 재학 중인 남녀 대학생 133명을 대상으로 하였다. 자료 분석은 SPSS/WIN 19.0 프로그램을 이용하여 빈도 및 백분율, 평균 및 표준편차, t-test, ANOVA, 상관관계 및 단계적 다중 회귀분석으로 분석하였다. 연구 결과, 대상자의 노후인식 및 노인에 대한 지식은 노후준비와 의미 있는 양의 상관관계를 나타냈다. 대상자의 노후준비에 미치는 영향요인으로는 노인에 대한 지식(β=0.21, p=.012), 남성인 경우(β=0.28, p=.001), 노후인식수준(β=0.23, p=.005) 순이었으며, 이들 영향요인은 대상자의 노후준비 정도를 17.5% 설명하는 것으로 나타났다(F=9.14, p<.001). 본 연구의 결과는 대학생의 노후준비를 효과적으로 증진시키기 위해서는 노인에 대한 이해도가 높아져야 함을 의미하며, 중재안 구성 시에 성별을 고려하는 것이 필요함을 시사한다.

공적연금 수급 여부에 따른 노년기 세대관계 잠재 유형 분류 및 영향 요인 분석 (An Analysis on Identifying Typology of Intergenerational Relationship and Affecting Factors among the Old Retirees According to the Eligibility of Public Pension)

  • 조지용;이종하
    • 가족자원경영과 정책
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    • 제17권4호
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    • pp.189-213
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    • 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.

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은퇴자의 생활설계를 위한 교육 프로그램의 개발 (The Development of a Life Planning Program for Retired Elderly People)

  • 최보아;지영숙
    • 가정과삶의질연구
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    • 제22권6호
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    • pp.47-61
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    • 2004
  • The purpose of this study is to develop a life planning program for retired elderly people. This program is not a preparation program for elderly people prior to their retirement but a readjustment and re-planning their life after retirement. This program help retired elderly people to solve the life problem and set up a affirmative ones future image. Also this program pay regard to social, home backgrounds of this generation. The program consists of four session curriculums session 1 is entitled to &Make my future by oneself&, session 2 is &Enjoy healthy life as much as one can&, session 3 is &Have a heart for family& and session 4 is &Set up a mature old age&. A fled study has been conducted with ten retired elderly people who want to participated in the program voluntarily. 4 sessions each of which consists of 2 hours were performed at Korean Association of Retired Persons. Field test for program evaluation is designed to three steps: pre-test, post-test and one month follow-up test to measure the effectiveness of the program. According to evaluation results, the program shows a significantly positive effect on the improvement of elderly people's understanding about elderly life. At the one month follow-up assessment, the effect of program is still remained strongly even though there is a Partial slight increase or reduction which is not statistically significant. Most of the program participants have expressed high level of satisfaction with the program. For further study, we need various contents which are suited to larger group with diverse socio0-demographic backgrounds. At the same time, the program has diverse instruction methods which are pertinent to levels of participants. Also, the program needs to continuous adjustment to the next generation with their social, home backgrounds.

Factors Influencing Housing Satisfaction in the New Middle-Aged Rural Returnee Generation

  • Joong-Ho CHOI;Sun-Ju KIM
    • 융합경영연구
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    • 제12권2호
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    • pp.51-60
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    • 2024
  • Purpose: The purpose of this study was to analyze the factors influencing the housing satisfaction of the new middle-aged who returned to farming to derive the implications of real estate policies to resolve regional imbalances. Research design, data and methodology: As a result, this study used secondary data, housing survey data, and identified factors influencing housing satisfaction through multiple regression analysis as well as basic analysis such as exploratory factor analysis, reliability analysis, technical statistics analysis, and correlation analysis. Previous studies, in particular, mainly focused on aging, retirement, economic activity, and retirement preparation, but this study was able to derive predictive factors that can increase the persistence of living after returning to farming by analyzing housing satisfaction for the new middle-aged, and as a result, suggest implications for resolving regional imbalances. Results: As a result of the analysis, it was found that housing structure status had the greatest influence among the three factors of housing-related predictors: housing structure status, facility accessibility, and surrounding environment, suggesting that policy alternatives that can improve the quality of the housing structure itself should be prepared rather than facility accessibility and the surrounding environment. Conclusions: Based on these results, we discussed implications for improving the housing structure to increase the continuity of living for the new middle-aged after returning to farming, and presented follow-up research directions on the need for complementary research in addition to individual analysis of influencing factors, limitations of secondary data, and the lighting of research on the new middle-aged and other generations who did not return to farming.

중장년층이 인식하는 노인 이미지와 노후생활 준비도 (The Images of the Elderly Perceived by Mid and Older-aged Adults and Their Preparation for Later Life)

  • 여연정;김진숙
    • 문화기술의 융합
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    • 제6권2호
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    • pp.257-262
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    • 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.

오팔세대의 라이프스타일과 노후준비에 관한 연구 (A Study on the Life Style and the Preparation of Old Age in Opal Generation)

  • 임미정;최규석
    • 문화기술의 융합
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    • 제8권6호
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    • pp.59-65
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    • 2022
  • 최근에 신중년이라 불리는 1955년에서 1974년 사이에 태어난 베이비붐 세대는 거대 인구 집단을 형성하며 이전의 전통적 노인 세대와는 다른 특성을 보이고 있다. 전체 국가 인구의 33%를 차지하는 이들의 은퇴가 본격화되면서 신세대 노인인구집단의 등장과 이에 따른 정책변화가 요구되고 있다. 오팔세대라고 불리기도 하는 신중년층은 평균수명의 증가로 늘어난 노년기를 생산적이고 자율적으로 보내고 싶어 하며 노후에 해외여행을 즐기는 등 어느 정도 경제적 능력도 지니고 있지만, 다른 한편 여가·취미활동, 대인관계 등 활동적 노년에 대한 준비가 미흡해서 신세대로서의 신중년층을 위한 정책적 관심이 요구되고 있다. 본 논문에서는 베이비붐 세대를 중심으로 오팔세대의 정의, 그들의 소비생활을 비롯한 태도, 사회활동, 여가활동, 건강에 대한 노력 등의 라이프스타일에 대해 알아보고, 오팔세대에 맞는 고용창출, 사회적 재교육, 지역의료시설 구축, 여가문화 생활을 위한 사회적 배려 등 노후준비에 대해 실천적 방안을 제시하고자 한다.