• International Journal of Advanced Culture Technology
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• 제6권3호
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• pp.59-68
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• 2018

This study was a cross-sectional descriptive study of the effects of emotional happiness on aging preparation for 45-60 year olds. Participants of this study were 312 volunteers and data was collected online, the collection period was from May 15, 2018 to May 31, 2018. The tools used in the research were the emotional happiness developed by Watson et al (1988) et al., the aging preparation developed by JH Lee (2009). Analysis was done using t-test, ANOVA, Pearson correlation, and regression by SPSS 18.0. As a result of the analysis, 84.0% of participants felt physically healthy and 89.8% felt mental health. The spouses of participants were physically 83.4% healthy and mentally 82.7% healthy. The correlation between emotional happiness, health cognition and aging preparation showed that physical health had a correlation with mental health (r = .482, p <0.01) and emotional happiness (r = .369, p <0.01), economic aging preparation (r = .411, p <0.01), social aging preparation (r = .119, p <0.01). Mental health was correlated with emotional happiness (r = .491, p <0.01), economic aging preparation (r = .411, p <0.01) and social aging preparation. Difference between emotional happiness and retirement preparation according to presence or absence of disease, emotional happiness (t = -4.503, p <0.01) and economic aging preparation (t = -4.960, p <0.01) were statistically significant. Emotional happiness affects the preparation of old age, emotional happiness affects to physical aging preparation under statistical significance (F=25.191, p<0.01), economic aging preparation (F=1131.783, p<0.01), and social aging preparation (F=147.672, p<0.01) which were sub components of aging preparation. Emotional happiness showed a 7.5% effect on the preparation of physical aging, 78.4% on economic aging preparation and 32.3% on social aging preparation. Based on the above results, it can be concluded that physical health and mental health are related to emotional happiness, economic aging preparation, and social aging preparation. And also these results can be inferred that the illness causes emotional less feeling of happiness and economic difficulty. Based on the results of this study, emotional well - being influences the retirement preparation significantly at statistical significance. Therefore, if the concept of emotional happiness is introduced to the old-age preparation program, it will be more client centered program.

• 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.

• 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.

• 가족자원경영과 정책
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• 제20권1호
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• pp.159-182
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• 2016

The purpose of this study was to investigate the relationship between household income, consumption wants for education, private education expenses, and old-age economic preparation behaviors in mothers with school-aged children. The participants in this study comprised 393 mothers living with children aged 8.19 in Daegu. All participants had wage-earning husbands. A questionnaire was used to collect the data. Factor analysis was conducted using SPSS and structural regression analysis was performed using AMOS. The main results of this study were as follows: The participants' old-age economic preparation behaviors were influenced by their household income, the proportion of private education expenditures they paid, and the perceived burden the participants had of these private education expenditures. The consumption wants for education in mothers with school-aged children had no significant impact on the proportion of private education expenditures paid by the participants. Household income, proportion of private education expenditures, and perceived burden of the private education expenditures had a direct effect on the old-age economic preparation behaviors of the participants. When the perceived burden of the private education expenditures was mediated, the consumption wants for education in mothers with school-aged children had an indirect effect on their old-age economic preparation behaviors.

• 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.

• 보건행정학회지
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• 제28권1호
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• pp.77-86
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• 2018

Background: The purpose of this study is to emphasize the importance and necessity of the government's old-age preparation service by measuring the economic value of the old-age service and the policy direction and policy implications of the government's old-age preparation service project. Methods: Contingent Valuation Method (CVM) was used as an analytical method. CV methodology was used to calculate the Willingness to pay (WTP) for old-age preparation service and its value was estimated and the economic benefit of the project was estimated. Results: As a result of the analysis, the average monthly payment amount for the old service was calculated as 5,100 won, and the annual average payment amount was estimated to be 61,197.1 won. Conclusion: The present value of the benefit for 10 years with the discount rate of 5.5% is 484,651 won. Based on the value of peruser benefit, the total benefit value calculation result of the old-age preparation service considering the Willingness to pay for the next 10 years shows that the total benefit value of the old service, which occurs during the period from 2016 to 2025(10 years) was estimated at 415.1 billion won. As a result of calculating the benefit for each scenario, the present value of basic service is higher in all scenarios than the linked service.

• 가족자원경영과 정책
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• 제4권1호
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• pp.29-45
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• 2000

The purpose of this study is to investigate some influencial factors for urban housewives’economic retirement preparation. Questionnaires were distributed to the 550 housewives in Seoul. The 453 data obtained were analyzed by Frequency, Percentage, Mean, Factor analysis, Reliability, and Stepwised Multiple Regression with SPSS win PC+. The major findings of this study were summarized as follows: First, there wre significant differences on the attitudes of assets management and the perception of assets property according to the expectation for being supported in their old age and the controlable values. Second, the most influential variables on the economic preparation for the old age of the urban housewives were through the attitudes of assets management, the perception on it and controlable values. Based on the above findings the urban housewives should have concerns on the economic preparation in advance.

• 한국콘텐츠학회논문지
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• 제15권8호
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• pp.313-325
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• 2015

본 연구는 산재경험 고령자의 경제적 노후준비에 영향을 미치는 요인을 앤더슨모형을 적용하여 분석하고, 과거 산재당시 종사상지위에 따라 정규직 근로자와 비정규직 근로자로 구분해 경제적 노후준비의 영향요인을 분석하고자 하였다. 이를 위해 산재보험패널조사(PSWCI)의 1차년도 자료를 이용하여 로지스틱 회귀분석을 실시하였다. 연구결과, 선행요인에서는 학력이 높고 정규직인 근로자가 비정규직인 여성 근로자에 비해 경제적 노후준비 가능성이 높게 나타났다. 자원요인에서는 정규직, 비정규직 근로자 모두 근로소득이 많을수록 노후준비 가능성이 높게 나타났으나, 국민연금 가입여부는 경제적 노후준비에 도움을 주지못하였다. 비정규직 근로자에게는 건강보험 가입이 경제적 노후준비에 영향을 미치고 있었다. 욕구요인에서는 정규직과 비정규직 근로자 모두 산업재해로 인한 통증이 일상 및 삶을 방해하는 정도가 높을수록 경제적 노후준비에 취약함을 확인하였다. 이러한 연구결과를 토대로 하여 정책적 함의를 제시하였다.

• 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.

• 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%.