• Title/Summary/Keyword: 은퇴자

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A Study of Korean Retirees' Retirement Wealth Adequacy and Its Determinants: A Comparison of between Objective Estimation Results and Subjective Recognition (우리나라 은퇴자의 은퇴자금 충분성과 영향요인: 객관적 충분성과 주관적 인지의 비교를 중심으로)

  • Lee, Jiyoung;Choe, Hyuncha
    • 한국노년학
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    • v.29 no.1
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    • pp.215-230
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    • 2009
  • In this study, we compared Korean retirees' retirement wealth adequacy with their subjective recognition and examined determinants affecting the retirement wealth adequacy. The data were drawn from the 2007 Korean Retiree Survey carried out by the Korean Investors Education Foundation. The major results of this study were as follows. The analysis suggested that Korean retirees(age 50 and over) were not well prepared financially. When using their assets(except for their residence), only 23.2% had accumulated enough wealth to meet their expenses for the remainder of their life. 25.7% of retirees subjectively considered themselves to be adequately covered. The comparison results showed that 23.8% of retirees' subjective recognition was not in accord with the estimation results. One of the most troubling groups is the 12.9% of retirees who were in the inadequacy group even though they considered themselves to be in the adequacy group. Retirement wealth adequacy determinants were quite different between objective adequacy and subjective recognition. Household income and ownership of a residence have positive effects on the retirement wealth adequacy. Also, the importance of retirement planning to retirement wealth adequacy is statistically confirmed. Based on these findings, This research suggests private retirement planning and political implications for retirees and preretired households.

The Impact of Retirement on Psychological Well-Being of the Elderly (은퇴가 노인의 심리적 안녕에 미치는 영향)

  • Yoon, Hyunsook;Lee, Mi Jin
    • 한국노년학
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    • v.27 no.2
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    • pp.393-408
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    • 2007
  • This study examines the impact of retirement on psychological well-being of the elderly and identifies whether associative factors of psychological well-being differ between retired and non-retired persons. Psychological well-being is measured by the PGCMS developed by Lawton. The sample includes 1,625 older adults aged 60 and over, which derived from the cross-sectional data of the "Aging and the Quality of Life of the Elderly in Korea: A Longitudinal Study" living in Seoul and Chuncheon in 2003. Multivariate OLS regression results show that retirement is not associated with psychological well-being after controlling socio-demographic characteristics, economic status, health status, family and social relations, participation in social activities, and satisfaction with hobbies and learning needs. Also, associative factors of psychological well-being differ between retired and non-retired persons. For retired persons, greater social activities and higher satisfaction with hobbies are associated with the higher level of psychological well-being whereas higher satisfaction with learning needs has a positive relationship with the higher level of psychological well-being for non-retired persons. Discussion and implications of the findings are presented, and limitations of this study are acknowledged.

Types of Retirement Satisfaction and Life Satisfaction among Middle and Older Adults: Focusing on Gender Differences (중고령자의 은퇴 만족 유형과 삶의 만족도 : 성별에 따른 차이를 중심으로)

  • Cho, Kyuyoung;Jun, Hey Jung;Lee, Eun Jee
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.20 no.4
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    • pp.371-381
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    • 2019
  • This study explored how retirement satisfaction or dissatisfaction influences on retirees' life satisfaction, comparing to workers and the gender differences were examined. The study sample was 2,609 persons (1,886 workers, 723 retirees) aged 45 or older who participated in the 1-2 waves of the Korean Longitudinal Study of Ageing (KLoSA), and the retirees were classified into continuously dissatisfied retirees and satisfied retirees during wave 1 and 2. Using SPSS 21.0, the multiple regression models were examined, and in order to clarify the gender difference, the multi-group analysis and the wald-test were conducted to test the difference of the regression coefficients according to gender using Mplus 7.3. According to the results, the life satisfaction of dissatisfied retirees was lower than that of the employed, but when satisfied with retirement, the life satisfaction was higher than that of the employed. In addition, the dissatisfied retirees in both gender were less satisfied with life than the employed, and this effect was greater in female group. However, the life satisfaction of female satisfied with retirement was higher than that of the employed, whereas the evidence of the male influence was not found to be significant. Based on the results of this study, discussion about heterogeneity of retirees and gender differences in life span were presented.

Preparation for retirement of retirees and prospective retirees, positive psychological capital and Relationship to successful aging (은퇴자와 예비은퇴자의 은퇴준비, 긍정심리자본 및 성공적 노화와의 관계)

  • Lee, Sang Joo;Kim, Joung Hoon;Jegal, Sun A
    • The Journal of the Convergence on Culture Technology
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    • v.6 no.4
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    • pp.267-274
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    • 2020
  • This study examines the relationship between retirement preparation, positive psychological capital and successful aging for retirees and retirees, promotes successful aging of retirees and retirees, and increases positive psychological capital to increase desirable retirement time. I want to find a direction I can have. This study was conducted on 537 retirees and retirees who were preparing for retirement or retired from across the country as a structural relationship analysis, and the data collection period was from April 1 to April 20, 2019. As for the data, frequency analysis, correlation analysis, and structural relationship analysis were performed using SPSS 20.0 and AMOS 9.0. As a result of the study, retirement preparation of retirees and retirees had a negative relationship with successful aging, and retirement readiness had a positive effect on self-acceptance of successful aging and autonomous life as mediators of resilience of positive psychological capital and self-efficacy. This means that the positive psychological factors of positive psychological capital have a positive effect on retirees and retirees who are struggling with anxiety about retirement preparations, enabling a successful retirement life. Therefore, when operating a retirement preparation program, it is necessary to organize and operate a program that can expand positive psychological capital.

A Study on the Perception of NGO's Overseas Service Experience: With Professional Retirees at the Center (NGO 해외봉사 경험에 대한 인식 연구: 전문직 은퇴자를 중심으로)

  • Chung, Ju-Young;Lee, Mi-Ran
    • Journal of Digital Convergence
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    • v.19 no.11
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    • pp.31-38
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    • 2021
  • The use of professional retirement personnel who have largely left their economic activities due to the retirement of baby boomers is a modern task and is emerging as a social issue. This study aims to explo re the perception of professional retirees' overseas volunteer experience as NGOs and seek ways to utilize pro fessional retirement personnel. This study is a qualitative study using photo-voice, and the participants in the study are retirees of retirement age from professions with experience in NGO overseas service. Data were collected through group activities and individual interviews, and data were analyzed using participatory analysis and subject analysis. The perception derived from the study was that NGO overseas service is the best job to be safe and raise the national status, and that information on this is wanted to be provided in retirement education. In conclusion, retirement education for the expansion of NGO overseas service was conducted not only in public enterprises but also in general workplaces to discuss ways to prepare before retirement, and the operation of the Retired NGO Overseas Volunteer Information Service Center was suggested. This study is meaningful in presenting basic data for preparing alternatives to social welfare policies in old age after retirement through the recognition of the experience of professional retirees in overseas NGO service

Retirement Preparing Behavior Analysis of Pastors with Application of Theory of Planned Behavior (계획된 행동이론을 적용한 목회자의 은퇴준비 행동분석)

  • Kim, Young-Chun;Kim, Jin-Youn
    • The Journal of the Korea Contents Association
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    • v.13 no.8
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    • pp.201-210
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    • 2013
  • The purpose of this study is to verify the effects on all factors from the research design by pastors. Research model is based on the theory of planned behavior. To this end, data were collected from 214 pastors and they were analyzed. In order to derived the results of a study, we used the statistical processing technique SPSS, to perform verification of factor analysis and reliability of each variable, AMOS analysis was performed for hypothesis testing. The results are as follows. First, this study demonstrated that there is a positive relationship between subjective norms and intention, perceived behavior control and intention of retirement preparing. Second, this study demonstrated that there is a positive relationship between intention and behavior, perceived behavior control and behavior of retirement preparing. Third, intention had a partial mediation effect between perceived behavior control and behavior of retirement preparing. As a result of this research, comprehensive implications were suggested for improving of retirement preparing by pastor.

Examining Trajectory of Retirees' Physical Health and Its Predictors : The Impact of Retirement Characteristics (중·고령은퇴자 신체건강 변화궤적의 예측요인 : 은퇴특성이 미치는 영향을 중심으로)

  • Jeong, Mee-Kyung
    • Proceedings of the Korea Contents Association Conference
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    • 2017.05a
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    • pp.375-376
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    • 2017
  • 본 연구는 은퇴 후 신체적 건강이 시간이 지남에 따라 어떤 변화양상을 나타내는지, 은퇴 후 신체적 건강에 영향을 주는 것으로 알려진 은퇴 특성(은퇴시점, 은퇴자발성 여부) 변인이 은퇴 후 신체적 건강의 궤적에 어떠한 영향을 미치는지를 분석하고자 하는 목적으로 실시되었다. 분석 자료는 국민노후보장패널 3차시(2009년), 4차시(2011년), 5차시(2013년) 종단자료이며, 2,857명을 대상으로 잠재성장모형 분석을 실시하였다. 연구결과, 첫째, 중 고령은퇴자의 신체적 건강은 시간의 흐름의 변화를 알아보기 위해 무조건부 모형을 통해 확인한 결과, 중 고령은퇴자들은 시간이 지남에 따라 더 높은 수준의 ADL 값을 갖는 것으로 나타났다. 둘째, 중 고령은퇴자의 신체적 건강변화와 관련이 있는 은퇴특성은 무엇인지 조건부 모형을 통해 알아본 결과, 은퇴 특성 변수로는 조기은퇴자일 때, 은퇴가 비자발적일 때, 건강상 이유로 은퇴했을 때 더 높은 ADL 초기값을 보였다. 또한 변화궤적 영향요인을 살펴본 결과, 은퇴특성에서는 어떤 변수도 유의성을 보이지 않았고, 인구사회학적 변수 중에서는 연령이 높을수록, 소득이 높을수록 ADL의 증가속도가 더욱 가파른 것으로 나타났다.

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A Qualitative Study on the Successful Aging Perception of Retirees by Age (연령별 은퇴자의 성공적 노화 인식에 관한 질적 연구)

  • Chung, Ju-Young;Lee, Mi-Ran
    • Journal of Convergence for Information Technology
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    • v.11 no.3
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    • pp.205-211
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    • 2021
  • This study utilizes PhotoVoice, a qualitative research method, to explore the life experiences of retirees by age in depth and derive the social welfare implications required for successful aging of retirees. Two participants in the study were selected in their 70s, 60s, and 50s, and 24 photos, explanations, 44 stories, and 92 data collected through group activities and personal interviews were analyzed. With the perception of successful aging, those in their 70s were "Preparing for a High Level of Social Responsibility and Dignity," those in their 60s were "Life of Social Responsibility and Service with Embarrassment and Boeun," and those in their 50s were "Life of Self-reliance with Economic Stability and Consideration." In order to prevent social problems for retirees with longer old age, research and social welfare policy support for their social jobs and volunteer positions are urgently needed, and the sooner the preparatory education is implemented so that they can prepare enough. This study is significant in that it played an important role in presenting basic data for the preparation of social welfare alternatives for retirees.

An Analysis on the Effect of Retirement on Health (은퇴자의 건강상태 분석)

  • Yee, Seung-Yeol
    • Journal of Labour Economics
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    • v.30 no.2
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    • pp.61-86
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    • 2007
  • This study investigated the health outcomes of the aged male workers who retired before 2003, using the Korean Labor and Income Panel Study data. Empirical study shows that the subjective and objective health conditions of the retiree are worse than the non-retired. And the random-effect panel probit analyses got the results that the effects of retirement on health are different by the retirement reason and the subjective health conditions.

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The Life History Study on the Life Journey of Retired Teachers (교원 은퇴자의 삶의 여정에 관한 생애사 연구)

  • Park, Jong-Hwan;Youn, Sun-Sook
    • The Journal of the Korea Contents Association
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    • v.21 no.1
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    • pp.626-638
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    • 2021
  • This study is about a life history. Through investigating the life of retired teachers in preschool, elementary, and middle schools, authors wanted to explore the meaning of retirement and the process of adaptation to find out their personal and social needs in post-retirement life. Studies have shown that their experiences at childhood have greatly influenced the performance of one's profession, such as contributing to setting limits on behaviors of their students. In the period of interdependence, they have contributed to serving society and the nation beyond as a professional, and in the second half of his teaching career, they have learned that their painful experience was a resource and have realized that changing mind can make the world changed. Since teachers' behavior affects on many subjects unlike other jobs, rewards or satisfaction from the job was bigger than any other jobs. However, after retirement, they felt a sense of emptiness in life without any sense of belonging or accomplishment, while feeling happiness and infinite freedom in other hand. Thy still go forward for life challenging to new study.