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Influence of Investment Experience and Demographic Factors on Retirement Planning Intention

机译：投资经验和人口因素对退休计划意图的影响

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This paper analyses the effect of demographic factors and investment experience on retirement planning intention. As noted in many discussions, issues surrounding retirement have emerged as one of the main topics in public debate, mainly because the world population continues to age. The lost of regular income during the golden years apparently becomes an obstacle for one to chase and realise his or her dream. Seemingly, post-working life is a completely new experience and the adaptation to this new living style is challenging especially with longer life expectancy. Recognising the importance of retirement planning, 300 structured questionnaires were administered in April 2009. The final sample consists of 216 after the account for non-replied questionnaires and the removal of incomplete data. Pertinently, Malaysia represents a unique platform for this research due to its multiracial cultures. Overall, the results of this research show that demographic characteristics affect behavioural intention, i.e. marital status, age, and income level. Investment experience is another factor reported to have significantly affected retirement planning intention in this study.
机译：本文分析了人口因素和投资经验对退休计划意图的影响。正如许多讨论所指出的那样，围绕退休问题已成为公开辩论的主要主题之一，这主要是因为世界人口继续老龄化。在黄金年代，失去正常收入显然成为人们追逐和实现自己梦想的障碍。貌似，下班后的生活是一种全新的体验，而适应这种新的生活方式充满挑战，尤其是预期寿命更长。认识到退休计划的重要性，2009年4月管理了300份结构化问卷。最终样本包括216份未回答的问卷并去除了不完整的数据。适当地，由于其多种族文化，马来西亚代表了这项研究的独特平台。总体而言，这项研究的结果表明，人口统计学特征会影响行为意愿，即婚姻状况，年龄和收入水平。据报道，投资经验是本研究显着影响退休计划意图的另一个因素。

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