• 한국콘텐츠학회논문지
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• 제16권7호
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• pp.522-531
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• 2016

평균수명 연장과 2010년부터 베이비부머들이 은퇴하고 노인인구로 편입되면서 은퇴 후 삶에 대한 불안감이 고조되고 있다. 이러한 불안감을 제거하기 위한 선행연구들은 은퇴인식과 경제적 은퇴준비가 은퇴 후 삶에 직 간접적인 영향을 미친다고 하였다. 본 연구는 경제적 은퇴준비 상황에 따라 은퇴준비 관련 변인들이 차이가 있는지를 파악하고, 경제적 은퇴준비 상황이 은퇴 및 노후생활 인식, 은퇴준비 행동, 은퇴만족도 사이에서 조절효과가 있는지를 분석하였다. 이를 위하여 2015년 11월부터 2016년 2월까지 전국 만 20세부터 69세 이하 성인남녀 1,500명을 대상으로 연구 목적과 절차를 안내하는 서한과 함께 우편으로 설문지를 배포한 후 수거하거나 연구자가 직접 배포하고 수거하는 방식으로 설문조사를 실시하였다 불성실하게 응답한 83건을 제외한 설문지 1,417부를 최종 분석하였다. 분석 결과, 경제적 은퇴준비를 잘할수록 은퇴 및 노후생활 인식이 긍정적이고, 은퇴준비 행동도 적극적으로 할 가능성이 높으며, 은퇴만족도가 높다는 것이 확인되었다. 본 연구는 보편적이고 실제적인 은퇴준비 프로그램 개발을 위한 기초자료로 활용할 수 있다는 점에서 의의가 있다.

• 가정과삶의질연구
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• 제27권1호
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• pp.1-16
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• 2009

Using the 2007 Fund Investors Survey, we investigated (1) the differences in economic status in terms of household income, consumption, saving, assets and debts, (2) the differences in financial management behavior, (3) and the differences in confidence in economic status after retirement between households conducting and not-conducting financial preparation for retirement. The major study findings were as follows. First, only 46.4% of the households were financially preparing for retirement. The levels of income, consumption, and saving were higher among households conducting financial preparation for retirement than among those not-conducting such financial preparation. Second, households conducting financial preparation for retirement had a relatively high propensity to save. Their financial asset portfolio had a higher weight in safety assets and investment assets than in retirement assets. Due to their lack of confidence in their economic status after retirement, their demand for financial preparation for retirement remained. Third, the households which did not conduct financial preparation for retirement tended to have a relatively heavy debt burden and not to implement general household financial management practices. Fourth, among the three-pillar retirement income system, the second pillar, of individual retirement account was not well established. Based on these results, various implications were suggested.

• 가족자원경영과 정책
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• 제17권4호
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• pp.171-187
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• 2013

Individuals are increasingly required to take more responsibility for their own retirement. The purpose of this study was to investigate the efficacy of counseling for retirement planning on awareness and behavior related to retirement preparation. The data came from 3,561 adults who received counseling from National Pension Service. The major findings can be summarized as follows : (1) There were significant changes in awareness and behavior for retirement preparation after receiving counseling services ; (2) young age, type of counseling (comprehensive diagnostics for retirement preparation), and counseling method (face-to-face) had a positive effect on changes in awareness and behavior ; and (3) expertise and adequacy of counseling, as well as the attitude of counselors, had an influence on changes in awareness and behavior.

• 한국직업건강간호학회지
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• 제30권4호
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• pp.175-185
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• 2021

Purpose: The purpose of this study was to explore the influence of care stress for older patients, self-perceptions of aging, and anxiety about aging on preparation for retirement in clinical nurses. Methods: This was a cross-sectional descriptive study in which participants were 222 nurses who had at least six months of work experience and were involved in caring for older patients in the last six months at the work site. Data were collected from August to September, 2020 using an online survey questionnaire. Data were analyzed using the IBM SPSS/WIN 25.0 program. Results: The mean level of preparation for retirement in the participants was moderate (3.21 out of 5 points). Among the sub-domains of preparation for retirement, financial preparation had the lowest score. Self-perceptions of aging and aging anxiety were significant predictors for retirement preparation in nurses, accounting for 16% of the variable's total variance. Conclusion: A greater level of preparation for retirement was associated with a positive perception of aging and a decreased level of aging anxiety in the clinical nurses. Further research should focus on exploration of specific determinants of financial preparation for retirement and development of intervention strategies for improving preparation for retirement in the nursing workforce.

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

• 대한간호학회지
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• 제48권2호
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• pp.154-166
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• 2018

Purpose: This study aimed to identify the actor and partner effects of health status, marital satisfaction, and self efficacy on retirement preparation in middle aged couples using the Actor-Partner Interdependence Model. Methods: Participants were 121 middle aged couples living in Seoul, Gyeonggi-do and Daegu City, Korea. All measures were self-administered. The collected data were analyzed using SPSS 20.0 and AMOS 20.0. Results: 1) Wife's self efficacy and marital satisfaction showed direct actor and partner effects on retirement preparation in middle aged couples. Wife's health status showed an indirect actor effect through wife's self efficacy and marital satisfaction on wife's retirement preparation, and showed an indirect partner effect through husband's self efficacy on husband's retirement preparation. 2) Husband's self efficacy and marital satisfaction showed only direct actor effect on retirement preparation. Health status among the husbands showed an indirect actor effect on husband's retirement preparation through their self efficacy and marital satisfaction, and an indirect partner effect through wife's marital satisfaction on wife's retirement preparation. 3) The actor effect size of health status on self efficacy and marital satisfaction was larger among husband's than wife's. Additionally, the partner effect size of health status on self efficacy and marital satisfaction was different between the two groups; however, the actor and partner effect size of self efficacy and marital satisfaction on retirement preparation was the same for husband and wife. Conclusion: The results of this study indicate that nursing intervention strategies for improving self efficacy and marital satisfaction are strongly needed to enhance retirement preparation of middle aged couples in Korean community.

• 산경연구논집
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• 제10권10호
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• pp.7-13
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• 2019

Purpose - This study is to verify the mediating effect of voluntariness in retirement and the moderating effects of leisure life to examine which parts of later life preparations have influence on the retired life. Research design, data, and methodology - In this study, the 6^th Korean Retirement and Income Study was conducted on 5,254 members of households with householders over the age of 50. To examine the relationship between later life preparation and retired life, this study used personal data based on the serial number of the household members. Results - First, physical preparation for later life had a positive influence on retired life satisfaction among retirement satisfaction. People showed higher retired life satisfaction. Secondly, physical preparation for later life had a positive influence on satisfaction over relationship after retirement among retirement satisfaction. People showed higher satisfaction over relationship after retirement when they were more physically prepared for later life. Conclusions - In particular, leisure life had a mediating effect for the influence of physical preparation for later life on the retired life. Also, leisure life and physical preparation for later life showed a close influencing relationship. People showed active leisure life and higher retired life satisfaction when they were more physically prepared for later life.

• 가족자원경영과 정책
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• 제17권1호
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• pp.199-219
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• 2013

The purpose of the study was to investigate the effects of money transfer between generations on preparation behaviors for retirement, separated into assets and saving for retirement. The survey was conducted by targeting 422 married people across the nation. The factor of money transfer between generations was defined as the inheritance and gift variable. The data were analyzed using SPSS 20. Correlation, analysis of variance (ANOVA), and multiple regressions were utilized. The results indicated that preparation behaviors for retirement are affected by the economic independence of parents, inheritance, expenses for children's education, and marriage. Retirement assets were significantly affected by inheritance, the economic independence of parents, educational expenses for children, financial assets, and amount of debt, while the significant factors related to retirement savings were interests on retirement, income, wedding expenses for children, economic independence of parents, and educational expenses for children. It was concluded that the financial preparation for retirement ought to be expanded from one household's finances to finances between generations.

• 한국치위생학회지
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• 제15권3호
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• pp.379-387
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• 2015

Objectives: The purpose of the study is to investigate the influencing factors of retirement expectation on retirement preparation in the dental technicians. Methods: The subjects were 231 dental technicians in Seoul. A self-reported questionnaire was completed from July 1, 2014 to September 30, 2014. The study instrument was adapted from Bae and Jeon. The questionnaire consisted of 42 questions including 6 questions of the general characteristics of the subjects, 2 questions of health status and self-esteem, 20 questions of retirement expectation, and 14 questions of retirement preparation measured by Likert 5 scale. Results: Single, younger aged, and highly educated female tended to have the expectation for the new start of career. The expectation for the rest was higher in single than in the married. The influencing factors of retirement expectation were marital status. Those who were single chose the retirement. Those who had long career preferred the new start. Conclusions: The preparation for the retirement is very important in one's life and it is necessary to provide the concrete method and plan for the dental technicians in the future.

• 대한방사선기술학회지:방사선기술과학
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• 제40권4호
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• pp.647-655
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• 2017

본 연구는 은퇴교육필요도와 은퇴교육준비도가 삶의 질에 미치는 영향에서 은퇴준비의 매개효과와 조절변수인 은퇴교육참여도가 어떻게 조절되는지를 파악하고자 수행하였다. 연구대상은 조사의 편리성을 고려하여 유의표집하였으며, 2017년 5월부터 7월까지 충청남도 9시 군 212명의 데이터를 활용하였으며, 남자 58.5% 여자가 41.5%로 남자가 많았으며, 거주지역은 시지역이 76.9%, 군지역이 23.1%로 시 거주자가 많았다 세부연구문제는 첫째로 일반적 특성에 따라 삶의 질의 차이, 둘째로 은퇴준비필요도, 은퇴준비, 은퇴교육, 삶의 질의 상관관계, 셋째로 은퇴교육은 은퇴준비와 삶의 질 간의 간접효과를 조절을 보았다. 연구결과 대상자의 첫째, 일반적 특성에 따른 삶의 질 차이 검증결과 거주지역에 따라서는 시지역에 거주하는 사람이 군 지역에 사는 사람보다, 대학원 졸업이상이 대학이하 집단보다 높았다. 직업에 따라서는 공무원, 회사원이 자영업보다 높았으며, 경제수준과 건강수준에 만족하는 집단이 삶의 질에 만족하는 것으로 나타났다. 둘째, 상관분석결과 은퇴준비와 삶의 질, 은퇴준비 필요도와 양의 상관관계를 나타났다. 또한 삶의 질과 은퇴교육, 은퇴교육 필요도와의 양의 상관관계를 보였으며, 은퇴교육과 은퇴준비필요도에 따라서는 양의 상관관계를 보였다. 셋째, 은퇴교육참여는 은퇴교육 필요도, 은퇴준비도를 거쳐서 삶의 질에 미치는 간접효과를 조절하였다. 즉, 은퇴교육 필요도는 은퇴준비에 영향을 주고 은퇴교육 간접효과에 의해 삶의 질에 영향을 준다. 따라서 은퇴준비에 은퇴교육의 조절된 매개효과가 커지는 것으로 확인되었다. 이는 은퇴교육의 필요성에도 삶의 질은 달라질 수 있다는 것을 알 수 있었다.