Financial Planning for Retirement: Age-Related Differences Among Spanish Workers

被引：8

作者：

Jimenez, Irene ^{[1
]}

Chiesa, Rita ^{[2
]}

Topa, Gabriela ^{[1
]}

机构：

[1] Natl Distance Educ Univ UNED, Dept Social & Org Psychol, Madrid, Spain

[2] Univ Bologna, Fac Psychol, Bologna, Italy

来源：

JOURNAL OF CAREER DEVELOPMENT | 2019年 / 46卷 / 05期

关键词：

financial planning; retirement; financial literacy; goal clarity; investment advice; financial resources; DETERMINANTS; SATISFACTION; EXPECTATIONS; ATTITUDES; HEALTH;

D O I：

10.1177/0894845318802093

中图分类号：

B849 [应用心理学];

学科分类号：

040203 ;

摘要：

This article tests an integrated model of financial planning for retirement (FPR), with 948 Spanish workers aged between 30 and 63. Overall, the three model dimensions-capacity, willingness, and opportunities to plan and save-show a significant association with financial planning for retirement. The moderator role of age in the relationships between antecedents and financial planning was tested. Consistent with our hypothesis, younger participants showed a greater level of FPR if they were characterized by a high level of education. The interaction between both age and psychological preparation for retirement and retirement goals clarity failed to reach statistical significance. We discuss how financial planning effectiveness could be increased based on the results of importance-performance map analyses.

引用

页码：550 / 566

页数：17

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