• 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.

• 산경연구논집
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• 제10권10호
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• pp.15-21
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• 2019

Purpose - This study is intended to explore influential factors on the life satisfaction of physically challenged laborers preparing for support plans for their future. This is to enjoy a better life and have social opportunities and to review institutional support or plans for implementation to be applied for physically challenged people. Research design, data, and methodology - 4,161 disabled people participated in the Panel Survey of Employment of the Disabled. Among 2,124 physically challenged people, 957 wage workers (45%) were primarily extracted in this study, and a total of 581 (27%) with sufficient responses on the questionnaires were finally selected. 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. Conclusions - In this study, it was found that job satisfaction was the variable with the highest influential power on life satisfaction. Therefore, it seems to be necessary to proceed a research as to which factors influence life satisfaction in the medium of job satisfaction and also about plans to improve job satisfaction on experts or the disabled.

• 대한가정학회지
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• 제36권5호
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• pp.125-135
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• 1998

The purpose of this study is to investigate the overall levels of the middle-aged employed men's attitudes toward retirement and plans for post-retirement life, and to explore the relative effects of personal, family, and job characteristics on retirement attitude and the level of retirement plan. The data were collected from the 438 middle-aged (ranging from 41 to 50) employed men through the structured questionnaires. The data were analyzed using frequency, percentile, average, standard deviation, and multiple regression analysis. The results of the data analysis show that most of the respondents had neither positive nor negative attitude toward retirement and the level of planning for post-retirement life was slightly higher than average score on the scale. Next, the positive attitudes of middle-aged employed men toward retirement were observed from those who have higher education, larger household income, higher job security and lower job stress respondents who hold professional, administrative, or official jobs were more positive toward retirement than those who hold professional, administrative, or official jobs were more positive toward retirement than those who hold manufacturing or sales job. A well-planned post-retirement life was found among those who have better health, higher job satisfaction, job security and job orientation. Job characteristic variables such as job security and job satisfaction showed stronger impact than personal or family ones on the attitude toward retirement and the level of retirement planning. Household income and health also had significant effects.

• 대한가정학회지
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• 제48권9호
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• pp.13-25
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• 2010

This study examined the effects of individual, family, and career characteristics on retirees' life satisfaction and investigated the interactive effect of gender on the relations between retirement and life satisfaction. Data were drawn from 2 waves of Korean Retirement and Income Study (KReIS). The analytic sample included 158 retired men and 145 retired women in the second wave and all of whom had worked at the first wave. The results indicated that psychological and physical health conditions significantly affected retirees' life satisfaction. Also, family characteristics in terms of a spouse's work status and children's developmental stages, such as marriage and employment, influenced retirees' life satisfaction. Financial support from adult children living elsewhere also significantly affected retiree's life satisfaction. The interaction effect of gender was only found in effects of living arrangement (living alone/with a spouse vs. multiple generations living together) on retirees' life satisfaction.

• 대한가정학회지
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• 제48권6호
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• pp.83-101
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• 2010

Using the first wave of KLoSA(Korean Longitudinal study of Aging) beta version, this study analyzed factors affecting retirement adjustment by elapsed time from retiree's retirement through Binary Logit and Multinomial Logit Analysis. Participants were 1,780 retiree. The main results of this study were as follows : First, The retiree's education(-), health status(-), region(+), dwelling type(-), monthly household income(-), employment type before retirement(+), retirement reason(+), and the elapsed time from retirement(-) were affected whether they satisfied with pre-retirement or not. Second, The gender(-), age(-), and the region(+) were affected whether they satisfied with life after retirement or not. Third, The gender(-), age(-), education(+), heath status(+), dwelling type(+), monthly household income(+), retirement reason(-), and the elapsed time from retirement(+) were affected on their satisfaction after retirement compared to pre-retirement. Last, The different factors affected the life satisfaction after retirement by elapsed time from retirement.

• 한국산학기술학회논문지
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• 제16권2호
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• pp.1084-1091
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• 2015

본 연구에서는 직장생활을 하고 있는 베이비부머 세대의 삶의 질 정도와 노후준비를 살펴보고 직장생활, 노후준비, 삶의 질 간의 실증적인 관계를 파악하여 직장생활을 하는 베이비부머 세대의 삶의 질에 노후준비가 어떤 매개효과를 가지는 가에 대한 기초자료를 제공하고자 한다. 연구대상은 경상남도 창원시에서 직장생활을 하고 있는 베이비부머 세대(1955년-1963년) 204명을 대상으로 2012년 9월 22일~9월 30일의 기간 동안 설문지를 통해 면접 조사하였다. 중심 변수들 간의 연구모형을 SPSS 15.0을 이용하여 일반적인 특성과 영향력 검증을 한 후, Amos 7.0을 이용하여 구조방정식 모형을 통해 매개효과 검증을 하였다. 연구결과, 창원시에서 직장생활을 하고 있는 베이비부머 세대에 있어서 직장생활 즉 직무에 대한 만족도와 직장생활을 통한 사회적 교류 정도가 삶의 질에 영향을 주는 것으로 나타났다. 또한 이들의 노후에 대한 준비는 삶의 질에 부분매개효과를 가지는 것으로 나타났다.

• 가정과삶의질연구
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• 제24권3호
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• pp.95-115
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• 2006

The purpose of this study was to analyze the affecting factors on male salary workers' pre-retirement plans and pre-retirement planning programs. The focus was on male workers' pre-retirement plans and programs for economy, housing, family relationship, leisure and health care in their elderly life. The major findings were as follows: First, the salary workers estimated their level of economic and health problems among their elderly life as relatively high. Second, the major factors affecting the level of planning for post-retirement were salary workers' age, job satisfaction, and reserved savings for their elderly life. Third, the major affecting factors on participation in pre-retirement planning programs were age, educational attainment, and spouse's job status. From these findings, it can be concluded that salary workers' level of pre-retirement planning and the needs of pre-retirement planning programs differed from their personal characteristics and preferences. Also, salary workers' characteristics related to job and retirement had more important effects on their pre-retirement planning than economic status.

• 가정과삶의질연구
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• 제30권2호
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• pp.137-152
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• 2012

The graying of populations is emerging as an international issue around the world, and this is a problem that is rapidly advancing in Korea as well, signaling the need for financial preparations for the aged. For this purpose, various retirement pension systems are being employed as preparatory measures for the nation's elderly. Using data from 1474 people in the 2007 panel study of National Security for the Retired, the present work attempts to look at satisfaction rates with regard to public pension receipts for the national pension and special occupational pensions according to general characteristics and factors related to the preparation for an aging society. Satisfaction with retirement pension receipts according to the type of pension was high for special occupation retirement pensions, individual retirement pensions and the national retirement pension, in that order. Looking at satisfaction rates based on the general characteristics of pension recipients, the study revealed that for the national pension, satisfaction was highest for groups with above-average physical and psychological health, groups who think appropriate living expenses for the elderly are lower, groups in which a partner also earns income, and groups who had amply prepared for their expected living expenses in later life. Regarding special occupation retirement pensions, satisfaction was high for groups over the age of 70, groups with good psychological health, and groups sufficiently prepared for their living expenses in later expenses, compared to groups for which these factors did not apply. In terms of the relative influences impacting retirement pension recipient satisfaction, satisfaction with the national pension was highest when the primary source to cover elderly living expenses was a resource other than income earned by the recipient and their partner and/or income received from children. Concerning special occupation retirement pensions, satisfaction was highest among those whose education terminated before middle school, and for those in good physical health. Based on the above results, it is vital that plans exist for preparing sufficiently for the living expenses of the elderly and for facilitating the physical and psychological health of pension recipients. Plans are also necessary to, ensure that citizens are provided with easily accessible educational programs and activities regarding general installment savings and deposits, stocks and bonds, real estate investments, individual retirement pensions, private insurance, severance pay pensions, and public pensions.

• 보건의료산업학회지
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• 제14권1호
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• pp.123-136
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• 2020

Objectives: This study aimed to analyze the factors influencing the life satisfaction of retirees(n=1,919) in one-person and multi-person households using the 2015 wave of the Korean Retirement and Income Study, collected by the National Pension Service. Methods: Frequency analysis and χ2-test were performed to examine the general characteristics and relation between one-person and multi-person household retirees. Logistic analysis was conducted to examine the factors affecting life satisfaction. Results: Public pension income was a statistically significant factor affecting life satisfaction, economic, health, and life in multi-person households. Conclusions: To improve life satisfaction after retirement, selective insurance benefits are needed depending on the type of household. Moreover a policy for expanding labor market participation is needed.

• 한국산학기술학회논문지
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• 제20권4호
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• pp.371-381
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• 2019

본 연구는 은퇴를 주로 부정적인 생애사건으로 분류하였던 기존 인식에서 벗어나 보다 긍정적인 관점에서 다루고자 하였다. 취업자를 참조집단으로 하여, 은퇴자의 은퇴 만족 여부(만족 은퇴, 불만족 은퇴)가 삶의 만족도에 어떠한 영향을 미치는지를 살펴보고, 성별에 따른 차이를 검증하였다. 연구대상은 1~2차년도 고령화연구패널조사(KLoSA) 참여자 중 45세 이상의 취업자 1,886명, 은퇴자 723명으로 총 2,609명이며, 은퇴자는 1~2차년도 지속적 불만족 은퇴자와 만족 은퇴자로 구분하였다. 연구방법은 SPSS 21.0을 사용한 중다회귀분석을 실시하였으며, 남녀 집단 간 차이를 보다 명확히 하기위해 성별에 따른 회귀계수의 차이를 Mplus 7.3을 사용하여 다집단 분석(Multi-Group Analysis)을 통해 검증한 뒤, Wald-Test를 실시하였다. 본 연구결과에 따르면, 불만족 은퇴자와 만족 은퇴자의 삶의 만족도는 상반되는 것으로 나타났다. 즉, 은퇴에 불만족할 경우 취업자보다 삶의 만족도는 낮은 반면, 은퇴에 만족할 경우 오히려 취업자보다도 삶의 만족도가 높다는 결과가 도출되었다. 또한, 남녀 모두 불만족 은퇴자는 취업자보다 삶의 만족도가 낮았고, 이 효과는 여성에게서 더 큰 것으로 나타났다. 그러나 여성의 경우 만족 은퇴자의 삶의 만족도는 취업자보다 높은 반면, 남성의 경우 이러한 영향력이 유의미하다는 증거가 발견되지 않았다. 본 연구결과를 바탕으로 은퇴자 집단의 이질성 및 생애과정에서의 성차에 대한 논의가 이루어졌다.