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Financial Planning Strategies towards Retirement as Perceived by Potential Retirees in Universities in the Niger Delta

机译：尼日尔三角洲大学潜在退休人员对退休的财务规划策略

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The research examined the perception of potential retirees on Financial Planning Strategies towards retirement in Universities in the Niger Delta. Five research questions and five hypotheses were formulated to guide the study. The instrument used for data collection was a self-designed questionnaire tagged “Financial Planning Strategies Towards Retirement Questionnaire” (FPSTRQ) and it had a reliability coefficient of 0.84. The sample consisted of 227 lecturers randomly selected from five universities. The Z – test statistics was utilized to test the hypothesis at 0.05 level of significance and the findings indicated that there were no significant differences between lecturers in their perception of the use of fixed deposit account, cooperative societies, investment in shares and the New Contributory Pension Scheme as financial planning strategies towards retirement. But there was significant difference between lecturers in the perception of the use of personal savings account as a financial planning strategy towards retirement. Based on the findings, some recommendations were proffered.
机译：该研究调查了尼日尔三角洲大学退休计划的财务规划策略对潜在退休人员的看法。制定了五个研究问题和五个假设来指导研究。用于数据收集的工具是一个自行设计的调查表，标记为“走向退休问卷的财务规划策略”（FPSTRQ），其信度系数为0.84。样本包括从五所大学中随机选择的227名讲师。 Z检验统计量用于检验显着性水平为0.05的假设，研究结果表明，讲师在使用定期存款帐户，合作社，股票投资和新缴费型养老金方面没有明显差异。计划作为退休的财务计划策略。但是，讲师之间在将个人储蓄帐户用作退休的财务计划策略的理解上存在显着差异。根据调查结果，提出了一些建议。

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