• 가족자원경영과 정책
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• 제16권4호
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• pp.131-152
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• 2012

The aims of this study were to analyze middle-aged households' financial preparation for retirement. Specifically, this study surveyed the relation between human capital investment for children and the middle-aged households' financial preparation for retirement and investigated factors influencing financial preparation for retirement. Data were obtained from the 3rd Korean Retirement and Income Study (KReIS) in 2009, and a sample of 757 households was selected. The statistical methods were frequency, percentile, mean, standard deviation, ${\chi}^2$, t-test, Pearson's correlation coefficient, and logistic regression analysis. The findings of this study are as follows. First, the percentile of preparation for living costs for old age was 49.9% for the middle-aged households. In terms of the types of preparation for living costs for old age, the results showed 61.6% of personal preparation, 33.9% of pension system, and 1.3% for children and relatives. In relation to the adequacy of the preparations for living costs for old age, preparations made by 57.4% of the middle-aged households were inadequate. Observing the minimum living costs for old age and adequate living costs after retirement for single and couple, the minimum living costs of the middle-aged households was 1.46 million won for couple and 0.91 million won for single. The adequate living costs for old age was 2.07 million won for couple and 1.34 million won for single. Second, there were 757 households with total education expenditure. Of these, 208 incurred annual expenditure on public education, and the annual expenditure for public education was 7.28 million won. There were 170 households with annual expenditure for private education, and the annual expenditure for private education was 2.50 million won. 243 households of middle-aged households had annual expenditure for human capital investment, including both public and private education, with annual expenditure for human capital investment for children of 7.82 million won. Furthermore, in the human capital investment factor, there was a difference in the middle-aged households' financial preparation for retirement according to their annual expenditure for human capital investment including both public and private education. In addition, there was a difference in financial preparation for retirement based on their public education expenditure. Third, in the logistic regression model 1, which included human capital investment, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and human capital investment. In the logistic regression model 2, which included annual expenditure for public education and annual expenditure for private education, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and annual expenditure for public education.

• 가정과삶의질연구
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• 제34권5호
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• pp.53-68
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• 2016

Financial preparation for retirement means making financial plans by predicting expected incomes and expenditures needed for maintaining success in later life. Because this preparation needs long-term planning, preparing as early as possible is recommended. This study, therefore, uses theory of planned behavior for examining the intention of financial preparation for retirement of consumers in their 20s and 30s. By using financial education and its understanding as additional variables, this study also intends to examine the ultimate effects on the intention. The following is a summary of the main results and suggestions. First, the level of consumer financial education is lower than the average. The level of understanding finance is lower than the average, and particularly, the level of understanding retirement related finance is much lower. Second, the more the attitude of financial preparation for retirement is positive, and the higher the level of subjective norm or perceived behavioral control is, the level of the intention of financial preparation for retirement tends to be more higher. Therefore, relevant efforts to encourage this preparation are needed. Third, the level of the intention of financial preparation for retirement is higher than the average, whereas financial education has no effects on the intention. This means that despite the importance of the financial education, its current implementation has many problems. The suggestions of this study are as follows. First of all, this study can provide preliminary data for developing retirement planning programs. In addition, in terms of the policy, given that this study targets relatively young consumers in their 20s and 30s, it can provide preliminary data for making policies for their future retirements.

• 산업진흥연구
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• 제6권1호
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• pp.43-53
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• 2021

이 연구는 서울과 수도권에 근무 중인 40~50대의 중년직장인을 대상으로 중년직장인이 인지하는 퇴직에 대한 태도가 퇴직준비와 직무만족도에 유의미한 영향을 미치는지를 검증하는 연구이다. 서울과 수도권에 400부의 설문지를 배포한 것 중 회수된 362부를 연구에 사용하였다. 두 개의 가설을 세워 가설검증을 진행하였고, 그 결과 중년직장인의 퇴직태도 중 강요된 좌절은 퇴직준비의 재정과 가족에만 유의미한 부(-)적 영향을 미치는 것으로 나타났고, 새로운 출발은 퇴직준비의 모든 하위변인(재정, 가족, 건강, 여가와 봉사)에 유의미한 정(+)적 영향을 미치는 것으로 나타났다. 두 번째 가설인 직무만족도의 영향에선 퇴직태도의 노년휴식과 새로운 출발이 직무만족도에 유의미한 정(+)적 영향을 미치는 것으로 나타났다. 이 결과로 퇴직을 강요된 좌절이라고 인지할수록 재정과 가족에 대한 퇴직준비가 낮았고, 퇴직을 새로운 출발로 인지할수록 퇴직준비의 모든 항목이 높게 나타났다. 또한 퇴직을 노년의 휴식과 새로운 출발이라고 인지할수록 직무만족도 역시 높게 나타났다. 이로써 퇴직을 앞둔 중년직장인들의 퇴직에 대한 태도가 퇴직준비와 직무만족도에 유의미한 영향을 미친다는 것을 알 수 있다.

• 한국지역사회생활과학회지
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• 제26권1호
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• pp.191-206
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• 2015

This study investigates the differences in retirement preparation and asset type in the elderly life of employees in their forties and fifties. Retirement preparation showed a score of 3.30, and the emotional preparation dimension of retirement preparations showed a slightly higher score. The retention of guarantee assets(insurance and, national pension) scored higher than other types of assets. There was a high correlation between economic preparation and the type of asset retention. According to the hierarchical regression analysis, economic preparation, monthly income, home ownership, and the education level had significant effects on assets retention, and the explanatory power of these independent variables was 39.7%.

• 가족자원경영과 정책
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• 제22권2호
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• pp.25-43
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• 2018

The purpose of this study was to analyze the factors that influence middle-aged people's retirement planning and financial preparation for old age. The data was derived from "the National Survey of Families 2015". The samples included 1,462 people from 40 to 64 years of age. The findings from the analysis showed that the level of retirement planning was significantly associated with gender, age, education level, employment status, monthly family income, monthly expenditure on spending to support parents, and perceived household economic condition. When the samples were divided by sex, the results showed that the perceived household economic condition was the most significant factor for both men and women's level of retirement planning. Age and education level were the significant factors for women's level of retirement planning but not for men's. Logistic regression was used to analyze whether middle-aged people made financial preparation for old age. For the whole sample, whether or not a person was a regular employee, monthly family income, monthly expenditure on supporting parents, perceived household economic condition, and retirement planning were significant variables in determining financial preparation. For men, whether or not a person was a regular employee, monthly family income, perceived household economic condition, and retirement planning were significant factors, for women whether or not a person was a regular employee, and retirement planning were the significant factors in determining financial preparation. The results implied that retirement planning is needed for middle-aged people to prepare for old age financially while the financial preparation should differ depending on sex.

• 산업진흥연구
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• 제8권3호
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• pp.69-78
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• 2023

본 연구는 늘어난 노년기를 대비하여 다양한 영역의 통합적인 노후 준비가 필요하다는 인식을 바탕으로 중장년층의 노후 준비 실태와 특성을 파악하고 성공적 노화와의 관계를 밝히는 데 그 목적이 있다. 또한, 중장년층을 대상으로 노후 준비와 성공적 노화 간의 관계에서 사회적 지지의 매개효과를 알아보고자 함이다. 이를 확인하기 위해 국민연금연구원에서 시행하고 있는 국민 노후 보장패널(Korean Retirement & Income Study: KReIS)의 제3차 조사, 제4차 조사 그리고 제5차 부가 조사에 모두 응답한 50세 이상 64세 미만의 남녀 1,037명을 분석하였다. 중고령자의 노후 준비가 성공적 노화에 영향을 미칠 때, 사회적 지지의 매개효과를 검증하기 위하여 IBM SPSS 26 Process Macro Model 4와 부트스트래핑(Bootstrapping)을 실시하였다. 독립변수가 매개변수에 미치는 유의성 검증 결과, 노후 준비는 정(+)적으로 유의하게 나타났다. 즉, 노후 준비가 높을수록 사회적 지지가 높아지는 것으로 검증되었다. 또한, 독립변수인 노후 준비와 매개변수인 사회적 지지가 종속변수인 성공적 노화에 미치는 영향의 유의성을 검증한 결과, 독립변수인 노후 준비는 성공적 노화에 유의한 영향을 미치는 것으로 나타났고, 매개변수인 사회적 지지도 성공적 노화에 유의한 영향을 미치는 것으로 나타났다. 본 연구 결과는 중장년층의 노후 준비를 통해 성공적 노화를 위한 사회적 지지의 필요성을 시사한다. 노후 준비를 위한 정책적인 시사점을 도출하여 성공적 노화 수준을 높이기 위한 기초자료로 제공하고자 한다.

• 가족자원경영과 정책
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• 제18권4호
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• pp.27-52
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• 2014

This study aims to investigate the financial soundness of Korean households and its effects on the retirement preparation of these households. The sample consisted of 1,031 households selected from the 4th Korean Retirement and Income Study (KReIS) by the National Pension Research Institute in 2012. The empirical results are as follows. According to the logistic regression model, the statistically significant factors affecting the retirement preparation of Korean households are gender, occupation type, residence, satisfaction with economic condition, and type of financial soundness-sound households or insolvency-risky households. In other words, more female-headed households and households with higher levels of occupation are less likely to prepare for retirement. The households that are more likely to prepare for retirement are those that are lived in metropolitan areas as opposed to the countryside; further, households that are more economically sound are also more likely to prepare for retirement. In particular, sound households and insolvency-risky households are less likely to prepare for retirement compared to liquidity-risky households.

• 가족자원경영과 정책
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• 제28권3호
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• pp.1-16
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• 2024

본 연구에서는 일본의 은퇴자 조사 자료를 이용해서 은퇴 전후의 노후불안, 노후생활 준비, 노후 생활지원 요구를 파악하고, 이런 요소들이 은퇴 후의 생활만족도에 어떠한 영향을 미치는지를 분석하였다. 본 연구에서 이용한 분석 자료는 일본 전국 60세 이상 74세의 은퇴자를 대상으로 조사된 것이며 분석에는 1,257명의 데이터가 사용되었다. 분석결과는 다음과 같다. 첫째, 노후불안 요인 중 남성과 여성 모두 수입과 저축, 생활비 부족 등의 경제적인 면에서의 노후불안이 다른 노후불안 요소보다 높은 수준인 것으로 나타났는데, 이러한 경향은 특히 남성에서 더 두드러지는 것으로 나타났다. 둘째, 수입과 저축, 생활비 부족 등의 경제적인 면에서의 노후불안 수준이 높을수록 남성과 여성의 은퇴 후 생활만족도 수준이 낮아지는 것으로 나타났다. 셋째, 노후생활 준비의 측면을 보면 남성과 여성 모두 경제적 기반에 대한 준비 점수가 클수록 은퇴 후 생활만족도가 큰 것으로 나타났다. 넷째, 은퇴 후 노후 생활지원 요구의 영향에 대해서는 남성의 경우에, 은퇴 후 재고용 및 재취업 기회가 필요하다고 생각할수록 은퇴 후 생활만족도가 낮아지는 것으로 확인되었다. 이를 토대로 은퇴 이후의 시기에 생활만족도를 높이는 방안으로, 지역사회참여 프로그램 및 취업연계 프로그램의 필요성을 제시하였다.

• 보건의료산업학회지
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• 제6권3호
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• pp.53-66
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• 2012

The main purpose of this research is to gain full understanding of how well people are aware and prepared for after retirement. To reach the goal to learn more about the upcoming aging society, professionals from variety of medical fields were employed as subjects to this research. In order to get a detailed result, and to provide an ideal suggestion, the research was conducted with 406 professional workers from 31 different medical institutions as its subjects. Obtained results were summarized as follows. First, in terms of government policies in the field, the idea of long term recuperation insurance gained more support than the belief that the public annuity is a sufficient economic countermeasure. Second, there is a causal relation between the economical preparation for retirement and the reason why people do not prepare for their after retirement. The more one feel short of money, the more one is obtuse towards the necessity of preparing for retirement, the more ignorant one is about preparing for retirement, the higher the chance that there will be no preparation done for his/her after retirement.

• 가정과삶의질연구
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• 제24권1호
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• pp.193-207
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• 2006

The purpose of this study was to analyze middle-aged salaried workers' retirement plans and the factors that affect the plans. The main point of this study was to compare male workers with female workers on their economic preparation and health care plans. The major findings were as follows; First, middle-aged salaried workers perceived their level of economic retirement plan to be relatively low. Second, the factors the affected the level of economic preparation for post-retirement were their current subjective economic level, age, household assets and debts, economic and health problems expected in their future elderly life, and savings and assets reserved for their elderly life. Third, the factors that affected whether to put aside savings for elderly life or not were age, current subjective economic level, capital assets, and savings and assets reserved for their elderly life. Fourth, the level of preparation for post-retirement health care depended on health problems expected in their elderly life, current subjective economic level, locus of control, job, and expected retirement age. Overall, the factors that affect male salaried workers' economic and health care plans were different from those of female salaried workers. From the findings, it can be concluded that the middle-aged salaried workers' level of economic retirement plans was different from that of their health care plans. Also, male salaried workers' level of retirement plan were different from that of female workers.