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Psychological Foundations of Financial Planning for Retirement

机译：退休财务计划的心理基础

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摘要

Little is known about the psychological mechanisms that underlie financial planning for retirement. Most studies of financial planning and investing have used demographic indicators (e.g., age, gender, income) to predict individual differences in saving. In the present study, a model of planning is tested in which psychological indicators (future time perspective, retirement goal clarity, and self-rated financial knowledge) are posited to mediate the relationship between demographic indicators and saving behaviors. Path-analytic techniques were used to test the model, based on data from 265 middle-aged working adults. Analyses revealed substantial support for the role of psychological factors in the retirement planning process. Findings have theoretical implications for the development of psychologically based models of planning, as well as applied implications for those who seek to understand the psychomotivational forces that underlie tendencies to plan and save.
机译：关于退休财务计划的心理机制知之甚少。大多数财务计划和投资研究都使用人口统计指标（例如年龄，性别，收入）来预测个人储蓄差异。在本研究中，测试了一种计划模型，其中放置了心理指标（对未来时间的看法，退休目标的清晰性和自我评估的财务知识）来调解人口统计学指标与储蓄行为之间的关系。基于来自265位中年在职成年人的数据，使用路径分析技术对模型进行了测试。分析显示，心理因素在退休计划过程中的作用得到了实质性支持。研究结果对基于心理的计划模型的发展具有理论意义，对寻求了解构成计划和储蓄倾向的心理动力的人们也具有实际意义。

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