• 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.

• 대한가정학회지
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• 제32권5호
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• pp.45-54
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• 1994

The purpose of this study was to investigate the characteristics of financial management styles and retirement planning. The results of this study were as follows: Among respondents systematic managers feeling managers analyzing managers, and holistic managers were respectively 20.1%, 19.5%, 30.8% and 29.6% Several variables such as education total household income and occupation had significant differences by the financial management style. Within the group of retirement planner analyzing manager held the first place whereas holistic manager ranked the first in non-planner group. Retirement planning age which is appropriate for starting to plan the degree of systematic retirement planning and life expectancy had significant difference by the financial management style.

• 산경연구논집
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• 제10권12호
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• pp.25-34
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• 2019

Purpose - In this study, we would like to analyze how the general characteristics of retired senior citizens affect directly the satisfaction of retirees' lives. As the life cycle continues to grow longer, post-retirement environment is recognized as important, and this study is conducted to analysis the factors that concerns which parts influence future retirement life. Research design, data, and methodology - First, Pearson's correlation analysis was conducted to analyze the correlation between the satisfaction of retirement life and the characteristics of the elderly. Secondly, a one-way analysis of variance was conducted to find out the difference in the satisfaction level of post-retirement life depending on the characteristics of the elderly. Results - First, the demographic factors for the satisfaction of retirement life have shown a definite difference. Second, the family factors for the satisfaction of retirement life have shown a clear difference. Third, financial factors for the satisfaction of retirement life have shown a clear difference. Conclusions - Early retirement, especially in major jobs, is the basis for incomplete retirement preparation, which is a factor in unstable later life. If a prospective retiree can retire in a predictable retirement age, it would be sufficient to prepare for retirement in various areas, or to prepare for further directions.

• 대한가정학회지
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• 제30권2호
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• pp.159-169
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• 1992

This study attempted to analyze the psychological anxiety of middle-aged men who expect to retire in order to bring up the problems of present retirement system, and suggest more desirable solutions connected with social welfare. The subjects of this study consisted of "non retirement group", aged 40-44(N=70) and "retirement group", aged 50-54(N=60) who were full-time employees in the small and medium enterprizes. The psychological anxiety levels of the two groups were assessed by the Spielberger's State-Trait Anxiety Inventory(STAI) composed of 40 items. The major findings are as follows. There were significant differences in both trait and state anxiety between the two groups. The retirement group reported the higher level of both trait and state anxiety than the non retirement. And there was significant difference in "increased anxiety level by retirement"(state anxiety-trait anxiety) between the two groups. The retirement group reported the higher level of increased anxiety than the non retirement group. The state anxiety of the retirement group was significantly different by the retirement-related factors such as health state, the presence or absence of leisure activity and plan for later life, etc. The opinion of the two groups on the present retirement system was generally negative. The two groups prefered the voluntary retirement to involuntary retirement and considered that the retirement time must be prolonged to the age of 60 or 65.

• Communications for Statistical Applications and Methods
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• 제27권6호
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• pp.649-673
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• 2020

This paper makes a theoretical contribution by providing clear and detailed derivation of economic agents' decision problems including elastic labor supply in Gertler's overlapping generation (OLG) model. We apply the model to the Korean economy by calibration based on Korean economic data. It also analyzes the impact of current social issues such as aging and extension of retirement age, on the Korean economy in a long-run equilibrium. Subsequently, we also discuss the implications of the analysis. Aging has prolonged the period of retirement; therefore, population structure changes by the increase in the proportion of retirees, the total consumption-to-GDP ratio decreases, and capital stock increases due to reduced propensity to consume out of wealth in preparation for an individual's retirement life. The implementation of retirement age extension increases the proportion of retirees relatively less and alleviates fluctuations in labor supply and the share of financial assets for both economic agents. However, the decrements in consumption-to-GDP ratio is larger than before, and this leads to a larger rise in the capital stock compared to when there is only an aging effect.

• 한국인구학
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• 제26권1호
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• pp.115-141
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• 2003

본 연구의 목적은 미국 인구의 고령화 과정에서 장기적인 조기퇴직의 경향과 1985년 이후 일어난 그것의 역전현상에 주목하면서, 그것에 기여하는 사회경제적 여건과 사회정책 프로그램의 변화를 검토하는 것이다. 미국인의 조기퇴직, 곧 퇴직연령 하락의 주원인은 장기적인 부(富)의 증대이며, 이것은 고령 노동자들이 소득창출을 위한 유급노동시장 참여를 하지 않고서도 높은 수준의 생활을 가능하도록 하였다. 사회보장 퇴직연금과 기업 연금제도의 확대 성장은 강제퇴직제도의 도입과 아울러 1980년대 중반까지 조직퇴직의 증가추이에 공헌하였다. 본 연구는 최근의 조기퇴직 역전현상을 지속시킬 수 있는 유인책으로서 고령자 사회정책 프로그램 등에 주목한다. 물론, 여기서 과연 조기퇴직의 역전을 가져오는 사회정책이 필요한가에 대한 질문이다. 환언하면, 노동생산성의 증대나 은퇴전의 근면성(勤勉性)의 향상은 미국인들이 평균수명의 신장으로 퇴직, 곧 "제3의 인생" 이 길어진다고 하더라도 보다 높은 사회생활을 유지하는데 아무런 어려움이 없을 것임을 의미한다. 대부분의 미국인은 현행 각종 사회정책 프로그램이 현역 노동자들에게 상당한 부담을 가져다주더라도 조기퇴직을 허용하는 각종 사회정책 프로그램이 유지되기를 원하고 있다. 이러한 관점에서 볼 때, 미국의 고령자 사회정책은 조기퇴직의 역전을 지속하려는 정책을 계속하기보다는 현역 노동자의 근면성 향상이나 노동생산성의 향상에 초점을 맞추는 프로그램의 개발에도 관심을 집중할 필요가 있을 것이다.요가 있을 것이다.

• 한국콘텐츠학회논문지
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• 제19권1호
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• pp.174-186
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• 2019

본 연구는 고령인력 증가가 다른 영역보다 빨리 진행되며, 인적자원관리가 쉽지 않은 공기업 임금피크 근로자의 인구 경제 조직적 특성과 임금피크제 및 퇴직 간 관계에 대해 살펴보고자 하였다. 연구대상은 임금피크제 실시 공기업 19개사에 종사하는 임금피크 근로자 211명이었다. 연구결과에 따르면 인구 경제적 특성에 있어서, 교육수준, 가계총수입, 퇴직 후 생활비, 퇴직대비저축과 투자금액은 임금피크만족도, 임금피크수용도, 퇴직준비와 퇴직태도에 영향을 미치는 것으로 나타났다. 조직적 특성에서는 직급과 직군, 근무기간과 정년퇴직잔여기간, 퇴직준비프로그램 참여 그리고 임금피크 적용 여부에 따라 각각 차이가 나타났다. 연구 결과를 바탕으로 고령사회를 위한 실효성 있는 임금피크제 시행을 위해서는 복지지원, 교육훈련, 전직지원과 같은 고령친화인사제도의 직군, 직급, 경제수준 및 교육수준 별 시행의 필요성을 시사함과 동시에 후속 연구를 위한 제언을 논의하였다.

• 웰빙융합연구
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• 제5권4호
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• pp.1-9
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• 2022

Purpose: Many people recognize the fact that women are basically poor at financial and retirement planning. A small number of scholars have explored the factors and situations that influence the level of awareness of pre-retirement women and men with regards to planning for their retirement years. In most developing countries, including Malaysia, there are more men in the younger segment of the population and more women in the older segment, since women tend to live longer than men due to having jobs of relatively lower risk, their behaviors, and activities. Research design, data and methodology: Given that it is hard to predict whether they will be healthy in old age, women may require additional resources to obtain the care and assistance that they need. The transition from career life into retirement is a long process for people to go through. Some may be able to prepare for the next stage of life, and some may not be able to prepare due to personal reasons. Planning for future retirement is important because it will affect the quality of a woman's life after a certain age. Results: Without proper planning, women may face financial instability, depression, and poor psychological well-being. However, many women are unaware of their financial status or do not know their family's financial status, such as tracking the main income, budget, and expenses, financial commitments and have no proper record of assets owned, loans owed, or updated loan balances. Conclusions: The findings of this research have led to the conclusion that pre-retiree women are likely to regard their retirement savings as sufficient without realizing that they should have at least several types of savings instead of just one, and the grave consequences of not having any savings at all for their retirement years.

• 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.

• 가족자원경영과 정책
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• 제15권4호
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• pp.65-78
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• 2011

The purpose of this study was to examine the experience of retirement and how life satisfaction after retirement differs depending on the individual, family, and social characteristics of middle-aged and elderly Korean men and the experience of retirement. Data were drawn from the first wave of the Korean Longitudinal Study of Ageing (KLoSA). The sample consisted of 278 retired middle-aged and elderly Korean men aged between 45 and 64. The results showed that middle-aged and elderly Korean retirees' reasons for retirement differed depending on their health satisfaction. In addition, their retirement satisfaction varied according to their education, health satisfaction, economic satisfaction, and reasons for retirement. Regarding their life satisfaction, it was predicted by their age and satisfaction with health status, economic situation, marriage, and relationship with their children.