退休规划的研究现状和本土化发展

退休规划是个体在退休前为保障将来的退休生活做出的长期准备。退休规划不仅有利于退休人员生活幸福, 还有助于缓解社会保障体系的压力, 在较早进入老龄化的国家已经得到重视。通过回顾国外相关研究, 本文归纳出退休规划的六个具体领域(财务、健康、社交休闲、工作、心理、居住), 总结并评价了过去研究应用的主要理论基础(角色理论、计划过程理论、资源视角、生态系统理论)和有代表性的测量工具。汇总分析了退休规划在人口学、环境和心理三层面上的影响因素以及对过渡型就业和退休适应两阶段的影响。基于研究概念的发展以及中国国情, 未来研究应该首先开发本土化工具, 合理选择理论视角并系统研究规划的各个领域, 验证并创新退休规划的影响因素研究, 注重中国国情问题并加强干预研究。     

Extending the integrated model of retirement adjustment: Incorporating mastery and retirement planning

Extending earlier research, this study explores individual (e.g. demographic and health characteristics), psychosocial (e.g. mastery and planning) and organizational factors (e.g. conditions of workforce exit) influencing retirement adjustment. Survey data were collected from 570 semi-retired and retired men and women aged 45 years and older. Findings suggest that higher income, and having better psychological and physical health accounted for better retirement adjustment. After controlling for the effects of demographics and health, a higher personal sense of mastery and more favorable conditions of exit significantly predicted adjustment to retirement. Pre-retirement planning was not related to retirement adjustment. However, analyses revealed that the effect of post-retirement planning on retirement adjustment was mediated by mastery. Practical implications for the design of interventions to promote mastery in later life and provide control over the transition from the workforce are discussed.     

Towards an integrated model of individual, psychosocial, and organizational predictors of retirement adjustment

This cross-sectional study examines three predictors of retirement adjustment: individual (demographic and health), psychosocial (work centrality), and organizational (conditions of workforce exit). It also examines the effect of work centrality on post-retirement activity levels. Survey data was collected from 394 retirees (aged 45-93 years). Results suggested that better psychological health, higher income, and being married predicted better retirement adjustment. Work centrality was neither related to retirement adjustment nor to post-retirement activity levels. Conditions of exit significantly predicted retirement adjustment, even after controlling for lower-level individual and psychosocial influences. Practical implications for the design of retirement planning programs and organizational exit strategies are discussed.     

When I First Learned about Retirement: Financial and Retirement Concept Recognition among College Students

It has long been argued that financial literacy education should begin in childhood or adolescence, but little is currently known about the ages at which individuals come to understand basic retirement and financial planning concepts. The primary goal of the present investigation is to provide data that reflect the reported ages at which key general and technical retirement planning concepts are acquired. A secondary goal is to identify individual difference dimensions—including one’s financial literacy level and early parental learning experiences—that are associated with the age at which key concepts are reportedly acquired. Retrospective reports obtained from a sample of 646 college students revealed that an understanding of general concepts was widespread and took place during the pre-teen and early teenage years. Understanding of the technical concepts was suboptimal, however. Nearly half of the sample were unfamiliar with most of the technical terms. Among those who were familiar with the technical concepts, learning reportedly occurred later in adolescence. Understanding of both sets of concepts was linked to higher financial literacy scores and saving lessons learned during childhood from one’s parents. Results have implications for financial literacy intervention programs designed to target children, adolescents, and young adults.     

Are you talking to the future me? The moderator role of future self‐relevance on the effects of aging salience in retirement savings

Increasing the salience of aging has been shown to be a promising strategy to promote young adults' interest in saving for retirement. However, the processes responsible for this effect are still largely unknown. We hypothesize that increased savings choices will only occur when participants are also engaged in self‐relevant thoughts about their own future. Participants were exposed to a fictitious website advertising financial products. Study 1 (n = 78; M_age = 20.87) primed age salience and future self‐relevance orthogonally and showed that priming aging only caused increases in retirement investment decisions when self‐relevance was also high. Study 2 (n = 91; M_age = 23.40) tested whether the effects of age priming were due specifically to age or to a broader focus on the future. The study confirmed that investment decision effects are specific to exposure to the aging prime and not merely priming the future. The effects were also specific to investment in retirement funds and not just depositing money in a checking account. These findings have both theoretical and practical implications for the psychology of aging and retirement planning.     

The Role of Self-Efficacy in Explaining Psychological and Financial Preparation for Retirement: A Behavioural Study of Retirement Transitioning in Uganda

The individual’s level of perceived self-efficacy could be an important driver for early retirement preparation. Most employees in Ugandan organisations reach that age of retirement without sufficient knowledge on how they will survive during their post-retirement life. This study sought to examine whether self-efficacy predicts psychological preparation and financial preparation for retirement. The sample of 924 employees aged 24–60 years selected voluntarily from four three service-oriented organisations participated in this study. Confirmatory factor analysis was run to confirm whether the factor indices (latent variables) extracted from exploratory factor analysis were actually measures of psychological preparation and financial preparation for retirement. Structural equation modelling was used to test regression relationships, and correlation between latent variable of the dependent constructs was tested using Pearson product moment correlation coefficients. The findings indicated a four-factor model for psychological preparation and a two-factor model for financial preparation. Self-efficacy predicted only three factors of psychological preparation and finance management mediated the relationship between self-efficacy and personal initiative. With these findings, it was concluded that individuals with capacity to adapt new changes can easily re-engage in other jobs. Similarly, those concerned with their social identity will focus on developing career skills that would yield the same level of importance in society. However, finance management training is crucial to the development of strategies and competences that empower people to maintain satisfying lifestyles after retirement. Finally, self-efficacy is a driving factor of personal initiative but the relationship is reinforced when finance management competences are acquired.     

Retirement Resources Inventory: Construction,factor structure and psychometric properties

The scientific investigation of the relationship between resources and retirement well-being is impeded by the lack of proper measurement of resources. This study reports on the development of an inventory that assesses resources relevant to retirement well-being. The 35-item Retirement Resources Inventory (RRI) is a self-report measure consisting of three factors. The RRI was extensively evaluated in a sample of 267 Australian retirees aged 50 years or above. In general, the three subscales of the RRI were shown to possess good internal consistency (0.81–0.89) and test–retest reliability (0.83–0.88) within a one-month interval. Retirement resources, as assessed by the RRI, significantly accounted for additional variance in both retirement satisfaction (16%) and retirement adjustment (22%) above and beyond that explained by demographic variables. More importantly, results from cross-lagged panel analysis indicated that retirement resources predicted retirement well-being rather than the reverse. Findings from the current study provide strong support for the resource perspective, which proposes that resources are critical to well-being in retirement. Theoretical and practical implications of these findings for retirement planning and designing retirement interventions are discussed.     

COMPARISON OF EARLY RETIREES AND NON-RETIREES

A group of 250 early retirees and a similar group of 422 nonretired Civil Service employees were compared on demographic, experience and job attitude variables. Consistent with earlier published studies, demographic, health, and income variables accounted for approximately three times as much variance in the retirement status variable as did the motivational and attitudinal variables. Retirees reported that their jobs afforded less Autonomy, Skill Variety, Opportunity to Deal with Others, and less intrinsic satisfaction, but more Feedback from Others relative to nonretirees. Analysis of the demographic variables indicated retirees were more likely to be female, have less financial commitments, and have had more jobs in their career. It is suggested that the retirement decision may represent a positive attempt on the part of individuals to pursue more challenging, interesting activities, and that longitudinal research be initiated to explore in more detail the determinants of the retirement decision and subsequent retirement satisfaction.     

Involuntary retirement, Type A behavior, and current functioning in elderly men: 27-year follow-up of the Western Collaborative Group Study

Data from 1,103 community-dwelling male participants (mean age = 71.7 years) in a 27-year cardiovascular disease follow-up were used to examine health and mental health sequelae in voluntarily and involuntarily retired Type A individuals. After controlling for age, education, and occupation, Type A subjects, determined both at intake (1960-1961) and at follow-up (1986-1987), reported significantly more frequently that retirement was involuntary. Regardless of Type A status, those reporting involuntary retirement also tended to have poorer adjustment to retirement, more illness, poorer physical status, and more depressive symptomatology. Minimal evidence was obtained on a broad array of indicators for psychological, physical, cognitive, and health status that Type As who retired involuntarily fared worse in retirement than those who retired voluntarily.     

The role of passion for work and need satisfaction in psychological adjustment to retirement

Two studies tested a model in which passion for work predicts psychological adjustment to retirement through the satisfaction of basic psychological needs. With a sample of 103 French-Canadian retirees from a variety of occupations, the first study used a retrospective cross-sectional design. The second study followed 73 French-Canadian teachers over a 6-year period and examined the relationship between passion for work, assessed when participants were still working, and psychological adjustment to retirement, measured when participants were retired. All participants completed questionnaires on demographics, passion for work, basic psychological needs and psychological adjustment to retirement. Results from structural equation modeling confirmed the hypothesized model, such that both studies confirmed the mediating role of basic psychological need satisfaction in the passion–psychological adjustment to retirement relationship. Need satisfaction significantly mediated the relationship between harmonious passion for work and psychological adjustment to retirement in Studies 1 and 2. The mediation was also confirmed between obsessive passion and psychological adjustment to retirement in Study 1, but not in Study 2. These findings suggest that passion for work matters in psychological adjustment to retirement. Being passionate about work can thus lead to positive or negative outcomes in retirement, depending on whether the passion is harmonious or obsessive, respectively.     

Antecedents and consequences of retirement planning and decision-making: A meta-analysis and model

In this study, meta-analytic procedures were used to examine the relationships between retirement planning, retirement decision and their antecedent and consequences. Our review of the literature generated 341 independent samples obtained from 99 primary studies with 188,222 participants. A small effect size (ES) for antecedents of retirement planning (poor health, negative working conditions and positive attitudes toward retirement) was obtained (ranging from r = .05 to r = .19), whereas a medium ES was obtained for work involvement and job satisfaction (r = −.31 and r = −.34). Regarding retirement decision, lower effect sizes were obtained. Effect sizes for the relationships with consequences were medium for retirement planning and bridge employment (r = .28), for retirement decision-volunteer work (r = .26), and for retirement decision-retirement satisfaction (r = .26). Structural equation analysis using the pooled correlation matrix allowed us to test a more complex model. Potential moderator variables were examined, and it was found that they explained only a small percentage of variability of primary studies. Results are discussed, and theoretical and empirical implications are suggested.     

Is future self-relevance necessary to increase saving for retirement? A replication study

Insufficient saving for retirement is one consequence of excessive discounting of the future but attempts to mitigate it often involve costly or time-intensive personalized interventions. Marques, Mariano, Lima, and Abrams, by contrast, found that using a generic Future Time Perspective questionnaire to increase future “self-relevance” was an effective method to increase money allocation to retirement when the salience of future aging was also higher. Originally conducted in Portugal, the present study aimed to replicate Marques et al’s findings in the UK context. In the present study (n = 219), participants were shown a website advertising a financial product. The results support Marques and colleagues’ assertion that, alone, a website priming future aging was insufficient to increase retirement savings in a money allocation task. However, in contrast to Marques et al’s original findings, we find no evidence that future self-relevance moderates the effect such that priming future aging becomes effective when individuals have higher future self-relevance. Instead, we find that aging primes are ineffective at increasing retirement saving regardless of whether individuals are high or low in future self-relevance. Possible explanations for this discrepancy in findings, including methodological and cultural differences, are explored as well as directions for future research.     

Timing of retirement: Including a delay discounting perspective in retirement models

This research examined the influence of delay and anticipated health and enjoyment on the amount of retirement savings sacrificed for early retirement. In addition to testing and supporting predictions that willingness to sacrifice retirement savings would be less with shorter delays to retirement, greater anticipated health, and greater anticipated enjoyment, an individual difference delay discounting measure derived from experimental studies was used to extend the Beehr, Glazer, Nielson, and Farmer’s (2000) model of retirement age. We predicted and found that oldest preferred retirement age related to personal characteristics, current work factors, future retirement factors, and individual differences in delay discounting, with greater delay discounting being associated with a younger preferred retirement age. Findings suggest that delay discounting is an important consideration in retirement planning and also highlight the significance that retirement expectations and being tired of work have in affecting one’s preferred retirement age.     

Profiles of Interdependence: The Retirement Planning of Married, Cohabiting, and Lesbian Couples

As the traditional nuclear family gives way to diverse couple types, questions regarding planning and satisfaction within relationships can be applied to partnerships outside of traditional marriages. The levels of interdependence in retirement planning and timing were investigated across three couple types: married heterosexual couples, cohabiting heterosexual couples, and lesbian couples. Analyses suggested that although all couples were interdependent in their retirement plans, this may be particularly the case for lesbian couples’ financial planning. In addition, relationship satisfaction was significantly associated with retirement lifestyle planning, but more so for lesbian couples than for heterosexual couples. The results are discussed in terms of gender, couple dynamics, and the social structures inherent in the three different couple types.     

运动员退役过程的心理定性分析：成功与失败的个案研究

研究采用定性分析的方法,旨在探索我国运动员退役过程中为什么有的运动员能够顺利退役,重新开创新事业,而有的运动员却不能。研究以Torregrosa等的理论模式为设计思路,采用综合个案研究设计,选取4个成功和4个失败个案,通过访谈、文献和语言分析技术,对8个运动员退役过程中的意识和行为进行剖析。结果发现运动员在退役过程中,主要在心理状态、退役意识、退役计划、自我调节、社会支持和生活满意度6个方面,反映出成功退役的运动员与失败退役的运动员之间的不同特征。成功退役的运动员通常有一个良好的退役意识。主动计划选择退役后的事业发展;退役失败的运动员则表现为对退役问题消极回避的应对行为。文章就这些发现进行了讨论,并建议了进一步定量研究的方向     

The influence of subjective life expectancy on retirement transition and planning: A longitudinal study

This study examines the construct of subjective life expectancy (SLE), or the estimation of one's probable age of death. Drawing on the tenets of socioemotional selectivity theory (Carstensen, Isaacowitz, & Charles, 1999), we propose that SLE provides individuals with their own unique mental model of remaining time that is likely to affect their retirement planning and decision making. Longitudinal data from 1908 participants showed that SLE measured at Time 1 predicted mature-aged workers' intended retirement age and the extent that they were engaged in retirement preparation 12 months later at Time 2. Furthermore, a shorter SLE at Time 1 increased the odds of actual retirement by Time 2 after controlling for a set of known predictors of retirement. In contrast, a longer SLE at Time 1 increased the odds that a Time 1 retiree had returned to paid work by Time 2. The discussion highlights ways in which SLE can inform financial and vocational counselling for late career decision-makers.     

Mental health differences among retirees and workers: findings from the Normative Aging Study

Researchers during the past decade have found little effect of retirement on physical health. However, retirement entails a number of losses, and its effect on mental health, as measured by the prevalence of psychological symptoms, is unclear. We examined psychological symptoms in a sample of 1,513 older men, participants in the Normative Aging Study, using the SCL-90-R (Derogatis, 1983). Analyses of variance indicated that retirees reported more psychological symptoms than did workers, even after controlling for physical health status. Exploratory analyses examining the circumstances of retirement found no effects for length of retirement or part-time employment, but did find effects for the timing of retirement. Both early and late retirees reported more psychological symptoms. Late workers (aged 66 and older) reported the fewest symptoms. Reasons for these findings are discussed.     

Profiling retirees in the retirement transition and adjustment process: examining the longitudinal change patterns of retirees' psychological well-being

The author used role theory, continuity theory, and the life course perspective to form hypotheses regarding the different retirement transition and adjustment patterns and how different individual and contextual variables related to those patterns. The longitudinal data of 2 samples (n(1) = 994; n(2) = 1,066) from the Health and Retirement Survey were used. Three latent growth curve patterns of retirees' psychological well-being were identified as coexisting in the retiree samples through growth mixture modeling (GMM) analysis. On the basis of the latent class membership derived from GMM, retiree subgroups directly linked to different growth curve patterns were profiled with individual (e.g., bridge job status) and contextual variables (e.g., spouse working status). By recognizing the existence of multiple retiree subgroups corresponding to different psychological well-being change patterns, this study suggests that retirees do not follow a uniform adjustment pattern during the retirement process, which reconciles inconsistent previous findings. A resource perspective is further introduced to provide a more integrated theory for the current findings. The practical implications of this study are also discussed at both individual level and policy level.     

Planning for retirement and anticipatory attitudes towards withdrawal from work

Inferences from previous studies on the socio-psychological meaning of the transition from work to retirement are reviewed. Data are reported on the nature and scope of pre-retirement planning in a sample of 215 older male and female industrial workers. Particular reference is made to the extent to which planning of leisure activities is related to the worker's attitudes towards retirement, and several intervening variables affecting this relation-ship are examined. Finally, some theoretical and practical implications for pre-retirement counselling and training are discussed. It is suggested that pre-retirement counselling schemes may not be able to compensate for failure to develop life-long habits of using free time constructively, or for inadequate financial provision for retirement.     

Attachment styles and demographic factors as predictors of sociocultural and psychological adjustment of Eastern European immigrants in the Netherlands

The present study examined the relationship between adult attachment styles and psychological and sociocultural adjustment of Polish, Russian, and Hungarian immigrants (N = 631) to Dutch society. In addition, it also examined the relationship between demographic factors and adjustment and compared the predictive value of attachment styles and demographic factors for immigrants' adjustment. The Attachment Style Questionnaire was used to assess respondents' attachment. Psychological adjustment was measured with the Psychological Health Scale and the Satisfaction With Life Scale. Sociocultural adjustment was measured with the Social Support List - Interactions scale. Two scales for measuring identification and contact with the native and with the Dutch culture were developed and used as indicators of cultural adjustment. We found relations between attachment styles and psychological and sociocultural adjustment. Secure attachment was positively related (p<.01) to psychological and sociocultural adjustment, fearful attachment was negatively (p<.01) associated with psychological adjustment, and more negatively with identification with the Dutch culture than with identification with the native culture. Preoccupied attachment was negatively related (p<.01) to psychological adjustment and to identification with the Dutch culture. Dismissing attachment was weakly negatively related (p<.01) to sociocultural adjustment. Correlation patterns across the three immigrants' samples indicate that dismissing individuals remain relatively indifferent towards their native and the Dutch culture. Regarding demographic factors we found that education and age at immigration were positively associated with psychological and sociocultural adjustment, and length of residence appeared to be positively related to sociocultural adjustment. In general, demographic factors showed a stronger association with sociocultural than with psychological adjustment. Regression analysis revealed that attachment styles were better predictors of immigrants' psychological and sociocultural adjustment than demographic factors-education, age at immigration, and length of residence. The results indicate that immigrant studies would benefit from taking an attachment perspective.