Investment Allocation Determinants InfluencingHouseholds’ Subjective Perception of Retirement AdequacyInvestment Allocation Determinants InfluencingHouseholds’ Subjective Perception of Retirement AdequacyInvestment allocation determinants influencing

• Main Authors: Kelly Wang, 王心薇
• Other Authors: Yueh-Ju Lin
• Format: Others
• Language: zh-TW
• Published: 2005
• Online Access: http://ndltd.ncl.edu.tw/handle/31375970388520076157

碩士 === 開南管理學院 === 財務金融系碩士班 === 93 === Abstract The main goal of this research is to understand families’ retirement financial preparation, and how to allocate and project asset? The Labor Retirement Law will be put into practice on July 1, 2005. Regarding retirement pension preparation and actual asset allocation to the households’ subjective perception and influencing of retirement adequacy. It is worth to research how to project retirement plan, so that maintain stability and quality of economic life after retirement. This research draw sample data from Dr. Yueh-Ju Lin ”Families’ social psychological attitudes and socio-economic factors influencing Taiwan baby boomers households’ retirement savings and investment behaviors”. The plan main goal to research the coming retirement households’ retirement savings and investment behaviors activities. This research takes the following research by this plan. By way of the empirical results comparison, inquired into the socio-economic and investment behavior factors, how influencing households’ perception of retirement adequacy? The followings are important research results. 1. Socio-economic factors (age, vocation) and investment behavior factors (financial institution savings, invests stocks and bonds, hold small-sizes enterprise, consumer assets and total debt), all influencing retirement adequacy in future. 2. Socio-economic factors (age, income of year) and investment behavior factors (invests stocks and bonds and total debt), all influencing households’ replacement ratio. 3. Socio-economic factors (dependent members of households) and investment behavior factors (real property, financial institution savings, small-sizes enterprise of households, total assets and total debt), all influencing now households’ less asset and income. Socio-economic factors (age, vocation and dependent members of households) and investment behavior factors (financial institution savings, invests stocks and bonds, consumer assets and total debt), all influencing now households’ much expense and debt. 4. Socio-economic factors (age, education, vocation and dependent members of households) and investment behavior factors (financial institution savings and total assets), all influencing dependent in children of retirement resource in future. Socio-economic factors (age and education) and investment behavior factors (real property and total asset), all influencing individual retirement savings of retirement resources in future.