To see the other types of publications on this topic, follow the link: Retirement.
Dissertations / Theses on the topic 'Retirement'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 dissertations / theses for your research on the topic 'Retirement.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse dissertations / theses on a wide variety of disciplines and organise your bibliography correctly.
1
GREVE, LUCIA MARIA. "ELDERLY CONSUMERSNULL LEISURE - BEFORE RETIREMENT X AFTER RETIREMENT." PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 1996. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=1970@1.
Full textAbstract:
COMPANHIA VALE DO RIO DOCEEste trabalho aborda o consumo de lazer sob a ótica de dois grupos dos consumidores de mais idade, comparando as expectativas de um grupo antes da Aposentadoria e as percepções de outro grupo após a aposentadoria. Os resultados, obtidos através de questionários com 202 pessoas, mostraram que há diferenças significativas entre as expectativas e as percepções dos consumidores em relação à prática do lazer após a aposentadoria. Particularmente, nível de satisfação com o lazer encontrado após a aposentadoria supera o nível encontrado entre aqueles prestes a se aposentar.
This study considers leisure from the elderly consumers` point of view, comparing two groups. The expectations of one group before retirement and reality of the other group after retirement. The results were obtained trough questionnaires distributed among 202 people and show that there are significant differences between the consumers` expectations in relation to leisure practice before retirement and the reality they face afterretirement. Moreover the level of satisfaction regarding leisure after retirement overcomes the level of satisfaction found among those who are about to retire.
Este trabajo aborda el consumo de actividades de esparcimiento bajo la óptica de dos grupos de los consumidores de más edad, comparando las expectativas de un grupo antes del Retiro Laboral y las percepciones de otro grupo después del Retiro laboral. Los resultados, obtidos a través de cuestionarios con 202 personas, muestran que existen diferencias significativas entre las expectativas y las percepciones de los consumidores en relación a la práctica de actividades de esparcimiento después del Retiro Laboral. Particularmente, el nível de satisfación con actividades de esparcimiento encontrado después del Retiro laboral supera el nível encontrado entre aquellos prestes a se retirar.
2
Fernandez, Christopher. "Rethinking Retirement: Transforming Retirement for the Modern Boomers." University of Cincinnati / OhioLINK, 2014. http://rave.ohiolink.edu/etdc/view?acc_num=ucin1397734550.
Full text
3
Luffman, Jacqueline J. "Redefining retirement, towards an inclusive model of women's retirement." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1997. http://www.collectionscanada.ca/obj/s4/f2/dsk3/ftp05/mq23396.pdf.
Full text
4
Nguyen, Julie Hoa. "Predictors of retirement and coping in response to delayed retirement." Thesis, Georgia Institute of Technology, 2010. http://hdl.handle.net/1853/37173.
Full textAbstract:
In the present study on the retirement intentions, 525 engineer alumni from a Southeastern university were surveyed. Consistent with the Kanfer and Ackerman (2004) framework of adult development and work motivation, I hypothesized perceived abilities-demands fit and needs-supplies fit, along with age, health and finances, would influence retirement intention. The potential negative effect of the recession on retirement plans led me to explore the coping behaviors of those who have modified their retirement timing in the past year. Age, finances, and abilities-demands fit were found to be related to retirement intentions, while no relationship was found between length of retirement delay and coping intensity. Implications and suggestions for future research are discussed.
5
Chen, Cheng-Chung. "Changes in retirement adequacy, 1995-2004 accounting for retirement stages /." Columbus, Ohio : Ohio State University, 2007. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1196285548.
Full text
6
Dong, Francis Henry. "Achieving a Financially Secure Retirement: A Retirement Community Case Study." Diss., Virginia Tech, 2014. http://hdl.handle.net/10919/46993.
Full textAbstract:
In the wake of recent events, especially the Great Recession of 2007-2009, affecting the economy, resulting in job losses, personal financial distress, and gloomy perceptions of their future well-being, many Americans are concerned about their financial quality of life in retirement. The media is replete with a plethora of advertisements for retirement planning and financial products for an aging population. By 2030, nearly 20 percent of the population of the United States will be 65 or older. This case study was an examination of a group of retirees who are financially secure enough to reside in retirement communities that require prequalification of assets. The study will serve to inform people on the path to retirement of what those who have been successful actually did so that those in the pipeline may take into consideration their actions and avoid acts of commission or omission that might impede or destroy their chances of reaching a financially secure retirement.
The study results showed that not only were the participants financially literate, they were planners. It also became apparent that financial literacy was acquired over time and that becoming financially literate and planning for retirement were dynamic processes that were not discrete. Another finding was that although financial literacy may have a positive impact on success in achieving a financially secure retirement, other factors such as world events, self-control, and luck could affect the realization of a retirement that is financially secure. The first-hand qualitative information gathered in the course of this study will enrich comprehension of the scope of the issues of financial literacy and retirement in America and perhaps form the basis of additional academic research. Finally, the conclusions of this study are significant not only for individual prospective retirees, but also for educators, financial industry professionals, and policy-makers as they craft educational programs, construct financial portfolios, and formulate legislation to help ensure the financial security of an ever-growing population of elders.Ph. D.
7
Pyle, Mark D. "Reinventing military retirement." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 1995. http://handle.dtic.mil/100.2/ADA306825.
Full text
8
Stewart, Malcolm J. S. "Women's reverse retirement." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 2000. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp03/NQ50007.pdf.
Full text
9
Christiansen, George J. "RETIREMENT COMMUNITY DESIGN." The University of Arizona, 1988. http://hdl.handle.net/10150/555363.
Full text
10
Bell, Hilary Lauren. "Funding the Golden Age : The Effect of Financial Planning Choices on Anticipated Retirement Satisfaction, Retirement Adjustment and Overall Retirement Satisfaction." Thesis, University of Canterbury. Psychology, 2009. http://hdl.handle.net/10092/6231.
Full textAbstract:
Retirement planning has been shown to affect transition into retirement, and
satisfaction with it. The current study was designed to investigate the effect that
financial planning choices have on an individuals anticipated level of retirement
satisfaction, their adjustment to retirement and their overall satisfaction with
retirement. Retirement was defined as an exit from an organisation or career path of
considerable duration, taken with intention of reduced psychological commitment to
work thereafter (Feldman, 1994) therefore some retirees in the current study were
working in retirement. To incorporate this into the current research, the relationship
between working in retirement and planning was explored; looking at whether the
previously discussed effects of financial planning (on anticipated retirement
satisfaction, adjustment to retirement and overall retirement satisfaction) are affected
by work in retirement. The Retirement Satisfaction Index (RSI; (Floyd et al., 1992))
was used to measure anticipated retirement satisfaction, adjustment to retirement and
overall retirement satisfaction. Financial planning choices and demographic details
were recorded from questionnaires. Participants were 98 retired persons living in
New Zealand. Factor analysis was used to explore the factor structure of the RSI
(Floyd et al., 1992) on a New Zealand sample, the factor struture was similar to
structure repeorted by Floyd et.al (1992) and Fouqueraeu, Fenandez and Mullet
(1999). Some changes were noted in the ‘retirement satisafaction’ factor. The
implication of these are discussed. Individual financial planning had a positive effect
on overall retirement. There were no significant effects found for anticipated
satisfaction and adjustment to retirement. Further working in retirement had no
significant effects on individual planning or the previously discussed effects of
individual planning on the retirement experience.
11
Lyon, H. P. "Late working life and retirement : a sociological study of the retirement process." Thesis, Swansea University, 1985. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.637965.
Full text
12
le, Roux Daniel Josua. "Retirement planning : could tax and financial literacy increase financial independence during retirement?" Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/60503.
Full textAbstract:
Recent studies have indicated that only 6% of South African citizens can maintain their standard of living during retirement. This is of great concern to both the government and individuals. In an attempt to counter this dilemma, the government has implemented several new tax exemptions and deductions to encourage taxpayers to increase their retirement savings.
However, uncertainty exists regarding the effectiveness of these exemptions and deductions. For individuals to benefit from same, they will need to be informed on and understand the principles on which they are based. Above all, South African citizens need to grasp the importance of ensuring their financial security during retirement, which will hopefully create a culture of saving for that purpose. South Africans therefore need to increase their level of financial and tax literacy, either by informing themselves in that regard, or by consulting with professionals.
This study was conducted from a South African perspective and focused on the probability of financial and tax literacy increasing financial independence during retirement. The data presented in this study was collected by means of two questionnaires, which were emailed to a selection of participants. The purpose of this study was first to determine the financial and tax literacy of South Africans with regard to retirement planning and second, to determine whether financial and tax literacy could increase financial independence during retirement. This study is an empirical study since primary data was collected specifically for this research project.
Based on the data obtained by means of the questionnaires, it was concluded that the financial and tax literacy of the majority of South Africans is not sufficient to intentionally benefit from tax-beneficial retirement funds and investments. It was further concluded that although the majority of South Africans are not sufficiently financially literate to be able to optimise their retirement savings, they are willing to improve their level of financial and tax literacy and increase their savings towards retirement once they have been informed and have gained some understanding in this regard. Therefore, financial and tax literacy can potentially increase financial independence during retirement.Mini Dissertation (MCom)--University of Pretoria, 2017.
Taxation
MCom
Unrestricted
13
Singh, Gangaram. "Work after early retirement." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1998. http://www.collectionscanada.ca/obj/s4/f2/dsk2/tape15/PQDD_0008/NQ35323.pdf.
Full text
14
Wilson, Candice C. "Training retirement age volunteers." Menomonie, WI : University of Wisconsin--Stout, 2006. http://www.uwstout.edu/lib/thesis/2006/2006wilsonc.pdf.
Full text
15
Farmer, Charmian Alwynne. "William Cowper : writing retirement." Thesis, University of Cambridge, 2012. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.610096.
Full text
16
Cole, Carrie J. "Help with Retirement Planning." College of Agriculture and Life Sciences, University of Arizona (Tucson, AZ), 1992. http://hdl.handle.net/10150/622396.
Full text
17
Sgro, Beverly Huston. "Variables affecting early retirement." Diss., Virginia Tech, 1990. http://hdl.handle.net/10919/39130.
Full text
18
Colbert, Jennifer. "Identity Distress Surrounding Retirement." Cleveland State University / OhioLINK, 2009. http://rave.ohiolink.edu/etdc/view?acc_num=csu1242663100.
Full text
19
Fishman, Seth Matthew. "Faculty Emeriti: Retirement Reframed." The Ohio State University, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=osu1274882533.
Full text
20
Macdonald, Kirsten Leigh. "KiwiSaver and Retirement Adequacy." Thesis, Griffith University, 2017. http://hdl.handle.net/10072/367519.
Full textAbstract:
Motivated by a critique of the literature and an examination of the institutional setting, this thesis sheds light on the impact of defined contribution pension plan design on retirement adequacy using the New Zealand system as a case study. In order to enjoy standards of living in retirement similar to pre-retirement, a holistic approach to retirement including the accumulation and decumulation phases must be taken. The largest impact on retirement adequacy, lowering sustainable withdrawal rates and increasing the risk of not living well in retirement, is the level of accumulated wealth at retirement. While contribution rates make a significant difference to the achievement of retirement targets, with skewed income
distributions, asset allocation is by far and away the most important driver of retirement wealth. The critical nature of the asset allocation message in the accumulation phase may not be well understood since large numbers of investors remain in default and conservative investments. Conservative portfolios are more risky when considering shortfall risk, thus, conversations about risk with investors need to be framed in terms of both equity risk and the risk of shortfall.Thesis (PhD Doctorate)
Doctor of Philosophy (PhD)
Griffith Business School
Griffith Business School
Full Text
21
Generali, Heather. "Customer satisfaction in dining experience in Continuing Care Retirement Communities and Retirement Communities." Thesis, Kansas State University, 2010. http://hdl.handle.net/2097/6996.
Full textAbstract:
Master of ScienceDepartment of Hospitality Management and Dietetics
Carol W. Shanklin
Abstract Aging has become a focal point for several segments of the foodservice industry with the forecasted trends. Due to the link between quality of life and satisfaction with food in this population, many Continuing Care Retirement Communities (CCRCs) and retirement communities are employing individuals who have experience in the hotel/restaurant industry. The purpose of the study was to assess residents’ overall satisfaction with quality of food and quality of service in Continuing Care Retirement Communities (CCRC) and retirement communities when the facility employs a foodservice director or chef with culinary training or expertise. The research compared satisfaction based on types of foodservices provided (restaurants and café/bistros); resident characteristics such as gender and length of time residing at a facility; frequency of interaction with the chef or foodservice director; and meal plan requirement. The study was conducted in the Midwest region and included a convenience sample of Retirement Communities and CCRCs in Kansas, Missouri and Nebraska. The variables analyzed were quality of food, quality of service, atmosphere, dining venues, meal plans, and frequency of dining with overall satisfaction. Atmosphere, food quality, dining venues, and meal plans significantly influenced overall satisfaction. Residents in facilities that provided more than one dining option had a slightly lower satisfaction ratings compared to the group who had one dining option. Overall satisfaction ratings for meal plan indicated that the respondents were neutral relative to the affect of meal plan and their overall satisfaction. The frequency of dining in one of the venues was positively influenced by meal plan requirements in the facilities. Residents who had lived in the facilities less than two years rated satisfaction higher. The more frequent the chef and foodservice manager interacted with the residents the higher the rate of overall satisfaction. Foodservice directors and administrators in these facilities can use the results to understand what the customers are looking for and how to improve overall services for their residents.
22
Foster, Thomas Wayne. "Depression, Anxiety, and Attitude Toward Retirement as Predictors of Wellness for Workers Nearing Retirement." Kent State University / OhioLINK, 2008. http://rave.ohiolink.edu/etdc/view?acc_num=kent1216220458.
Full text
23
Bergin, Melissa. "Community wellbeing in retirement villages /." [St. Lucia, Qld.], 2006. http://www.library.uq.edu.au/pdfserve.php?image=thesisabs/absthe19182.pdf.
Full text
24
Wills, Lester Anthony. "Personal financial preparation for retirement." Thesis, Electronic version, 2006. http://hdl.handle.net/1959.14/352.
Full textAbstract:
Thesis (PhD)--Macquarie University (Macquarie Graduate School of Management), 2006.Bibliography: p. 242-259.
The research objective of this study is to investigate the relationship between an individual's involvement and their behaviour to prepare financially for retirement. More particularly, to determine if there is a significant positive relationship between involvement and their financial preparation for retirement, to establish whether the influence of involvement is moderated by an individual's age, income or gender, their level of education or the number of dependents they support, and to explore the role of involvement in how and why individuals form opinions about financial preparation for retirement.
Mode of access: World Wide Web.
xiv, 259 p
25
Gallinger, Mary Christina. "Strategies for transitions to retirement." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 2000. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape3/PQDD_0016/MQ49174.pdf.
Full text
26
Chen, Yong. "Home equity, migration and retirement." Related electronic resource: Current Research at SU : database of SU dissertations, recent titles available full text, 2006. http://proquest.umi.com/login?COPT=REJTPTU0NWQmSU5UPTAmVkVSPTI=&clientId=3739.
Full text
27
Fantasia, Cynthia Jean. "Baby boomer women facing retirement." Theological Research Exchange Network (TREN) Access this title online, 2005. http://www.tren.com.
Full text
28
Carlsson, Evert. "After work - investing for retirement /." Göteborg : Department of Economics, School of Economics and Commercial Law [Nationalekonomiska institutionen], Göteborgs universitet, 2008. http://hdl.handle.net/2077/9574.
Full text
29
Hulsey, Lukas. "Improving retirement savings through anchoring." Diss., Wichita State University, 2012. http://hdl.handle.net/10057/5584.
Full textAbstract:
Some have argued that there is a “retirement savings crisis” (Munnell, Webb, & Golub-Sass, 2007). Accordingly, a number of approaches have been attempted to increase savings in defined contribution plans, the most common type of retirement savings plan. One approach that has shown promise is using behavioral economics principles to influence savings behaviors. Realizing that we are not purely rational consumers who make sound financial decisions based solely on numbers, behavioral economics focuses on the ways that internal and external factors influence human decisions. However, current approaches have been only moderately successful in increasing savings, with that success coming at a great expense to the employer.
There is a need for simple, inexpensive approaches to getting people to save more for retirement. One potential behavioral economics focused approach that has not been attempted is to use the phenomenon of anchoring and adjustment to influence savings decisions. Anchoring refers to the way people make judgments of amount. They anchor on some initial value, an internal or external cue, and then adjust from it.
Three experiments explore how anchoring can be used to influence retirement savings decisions. The first shows that the match threshold of a savings plan influences the amount people contribute to their savings. The second shows that, keeping plan attributes constant, the presentation of a high anchor value induces people to save more. The last explores some potentially fruitful uses of anchoring and adjustment theory that can be exploited when using an electronic enrollment form.Thesis (Ph.D.)--Wichita State University, College of Liberal Arts and Sciences, Dept. of Psychology
30
Laub, Natalie [Verfasser], and Bernd [Akademischer Betreuer] Raffelhüschen. "Pension decrements for early retirement." Freiburg : Universität, 2018. http://d-nb.info/1191095673/34.
Full text
31
Tregoning, Catherine Louise. "Doctors' career & retirement choices." Thesis, University of Manchester, 2008. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.504696.
Full textAbstract:
This research investigates the influences on doctors' career and retirement choices. It looks at what influences the career choices of 1993-1996 medical graduates from The University of Manchester (in the North West of England) and also explores what makes-them leave the North West region during this training stage. Doctors in the late stage of their career are also studied to investigate what makes hospital consultants in the North West over the age of 55 retire from the UK's National Health Service (NHS). THE UNIVERSITY OF MANCHESTER ABSTBACJOFTHESI~submittedby Catherine Tregoning for the Degree of PhD and entitled Doctors' Career and Retirement Choices March 2008 . '. ~ .. - ....... ~. ,'., ....;- The research shows that trainees who make career choices based upon an interest in the specialty and/or opportunities as they arise at the time, are more likely to remain in the medical profession. If they have children, they are less likely to remain in medicine. Those who grew-up in the North West or have a partner who originates from the region, can more often be expected to remain in the North West. Furthermore, relocation during training is less likely if an individual has a preference for working with a mixture of deprived and affluent populations. Over 55 hospital consultan'ts are more likely to retire if they obtained their primary medical qualification before 1970, or have a disability or significant health problem. There is also a greater likelihood that they will retire if they consider issues with management to be an important factor in their decision to leave their NHS career. Conversely, they are more likely to remain working in the NHS if achieving their maximum NHS pension entitlement is important to them. The research was conducted in two stages. In stage 1, 47 doctors were interviewed from the two sample groups. The qualitative data gathered, informed the development of a questionnaire distributed to 1, 483 doctors in stage 2. Of these 534 (36%) responded. 32.1% responded from the trainee group and 55.5% from the over 55 consultant group. Pilot studies were conducted at both stages. The research draws upon several different theoretical perspectives to develop the concepts of individual, social and job influences on careers, as well as explore the process of change. The results of the research inform academic work by considering doctors' choices in the context of literature from the fields of careers, medicine and psychology, which has rarely been done. '~lt~aH:f6-U:jKes twOSamples~at different career stages and compares the influences on careers at these different stages. Recommendations for further research include more in-depth investigation of the difficulties for female doctors of combining their career with motherhood, and work into consultants' retirement intentions versus retirement behaviour.
32
Bishop, Tonja Bowen. "Financing retirement consumption and bequests." Thesis, Massachusetts Institute of Technology, 2009. http://hdl.handle.net/1721.1/54642.
Full textAbstract:
Thesis (Ph. D.)--Massachusetts Institute of Technology, Dept. of Economics, 2009.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 144-149).
This dissertation consists of three essays that evaluate possible vehicles for financing either retirement consumption or bequests. Chapter 1 compares the use of Roth and tax-deferred retirement accounts for retirement consumption with the use of taxable accounts. Previously, economists have often assumed that retirement savings should be done in a tax-deferred account. However, the advent of Roth-style tax-favored accounts and concerns about the tax implications of increasing retirement income through distributions from tax-deferred accounts warrant revisiting this question. I use data on married couples in the HRS and NBER's TAXSIM model to measure the probability of a household facing a higher tax rate at ages 62, 65, and 69 than the household faced at age 57. When the marginal tax rate is higher, the household could decrease their lifetime tax burden by choosing a Roth-style account over a tax-deferred account. I also measure the probability of facing a marginal tax rate that is sufficiently high that the household minimizes tax payments by using a taxable account rather than a tax-deferred account, when a Roth option is not available. I find that for distributions beginning at age 69, between 10 and 35% of households with taxable income at age 57 should prefer a Roth account to a tax-deferred account, but very few households prefer a taxable account. Chapter 2 models the tax-savings available through the use of tax-favored retirement accounts for bequests. Past research on tax-favored retirement accounts has focused on the incentives and effects of these accounts within the framework of the life-cycle model.
(cont.) However, tax-favored accounts also offer substantial tax savings for bequeathed assets. This chapter examines the incentives tax-favored accounts provide for bequests and simulates models of the available tax savings. The benchmark model calculates that the tax savings associated with a tax-deferred account (TDA) that is used to optimally bequeath assets exceeds the tax savings of a TDA used to produce a steady stream of retirement income by by 27.2%. Use of a Roth account for a bequest increases tax savings by an additional 32% over a bequeathed TDA. Chapter 3, joint work with Hui Shan, considers reverse mortgages as a method of financing retirement consumption. Housing wealth is the most important non-pension wealth component for many elderly homeowners in the United States. Reverse mortgages allow elderly homeowners to consume housing wealth without having to sell or move out of their homes. Though the U.S. reverse mortgage market has grown substantially, very few eligible homeowners use reverse mortgages to achieve consumption smoothing. This chapter examines all Home Equity Conversion Mortgage (HECM) loans originated between 1989 and 2007 and insured by the Federal Housing Administration (FHA). It shows how characteristics of HECM loans and HECM borrowers have evolved over time, compares borrowers with non-borrowers, and analyzes loan outcomes using a hazard model.
(cont.) In addition, it conducts numerical simulations of HECM loans originated in 2007 to illustrate how the profitability of the FHA insurance program depends on factors such as termination rates, housing price appreciation, and the schedule of payments. This analysis serves as a starting point in understanding the implications of recent growth in the reverse mortgage market. Our results also suggest caution in predicting the profitability of the current HECM program.
by Tonja L. Bowen Bishop.
Ph.D.
33
Nolan, Charls D. "Minnetonka countryside : a retirement community." Thesis, Massachusetts Institute of Technology, 1986. http://hdl.handle.net/1721.1/76402.
Full textAbstract:
Thesis (M.S.)--Massachusetts Institute of Technology, Dept. of Architecture, 1986.MICROFICHE COPY AVAILABLE IN ARCHIVES AND ROTCH.
Bibliography: leaves 101-102.
by Charles D. Nolan, Jr.
M.S.
34
De, Villiers-Strijdom Jeannie. "Comparing annuity options at retirement." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/80188.
Full textAbstract:
Thesis (MComm)--Stellenbosch University, 2013.In this thesis, based on historical data, a comparative study is conducted of various annuity strategies for South African males who retired during the 30 years from 1960 to 1989. To this end, the present values of the monthly cash ows provided by di erent annuity strategies are calculated and compared in order to ascertain which strategy would have provided the largest nancial bene ts. In contrast to previously held general beliefs, the calculations demonstrate that pure living annuity strategies are superior to composite annuity strategies, which in turn outperform switching annuity strategies, whereas pure life annuities yield the lowest return.
35
Holmes, Craig. "Myopia, retirement planning and commitment." Thesis, University of Oxford, 2011. http://ora.ox.ac.uk/objects/uuid:980da095-60ab-47b5-a4e2-3962085d56ca.
Full textAbstract:
Decisions made by individuals planning for retirement may be myopic. One way of capturing this myopia is with quasi-hyperbolic discounting. It is well known that such preferences may explain why individuals fail to provide an adequate retirement income for themselves. In this thesis, the quasi-hyperbolic discounting model is applied to a number of other decisions and outcomes related to planning for retirement. There are three main focuses. Firstly, the thesis considers a model where individuals are quasi-hyperbolic discounters over both retirement and saving, and extends the results of Diamond and Köszegi (2003). It argues that mechanisms designed to overcome myopic saving decisions may lead to unplanned early retirement. This may depend on the form of income in retirement -- regular income options such as annuities offer commitment over overconsuming early in retirement, which makes early retirement less desirable to myopic retirees. Secondly, it tests these predictions using a new laboratory experiment. Over a two-month period, participants were asked to attend weekly sessions, and could leave the experiment (or "retire") in any week of their choosing. Part of their payment for attending these sessions was put aside and paid only after they had left. The results indicated that more impulsive individuals left the experiment earlier, both overall and relative to plans made in the first week of the experiment. Finally, this thesis presents a model of rising wages as a forced saving mechanism. Assuming individuals face some borrowing constraints, deferred wages implicitly place some earnings aside until much closer to retirement, when quasi-hyperbolic discounters save a greater fraction of their income, increasing total retirement wealth. It also shows that demand for rising wages should disappear for people with access to more direct saving commitment mechanisms, although when these schemes offer less commitment (due to early withdrawal or early retirement options), a combination of both mechanisms is preferred.
36
Paralta, Sara Sofia Vaz. "Longevity and Saving for Retirement." Doctoral thesis, Instituto Superior de Economia e Gestão, 2010. http://hdl.handle.net/10400.5/2424.
Full textAbstract:
Doutoramento em EconomiaSaving for retirement is a decision that depends on many factors. Firstly, it depends on the disposable income and future expected income. Secondly, the composition of households and the ages of individuals are determinant. Thirdly, it depends on the composition of net wealth and, finally, longevity during working life and retirement period. The life-cycle theory explains the consumption and saving decisions in function of the different phases in life. During childhood, the individual consumes and receives his education. In a second stage, the individual actively consumes, produces and saves. In a third phase, the individual uses his accumulated net wealth, including the amount of social security wealth, to finance his consumption of life-cycle during retirement. The social models ensure a substitution income and access to benefits in every stage of life, causing an impact on consumption and saving decisions. In this dissertation, saving behaviour is analysed by considering the impact of longevity in different countries representative of the various European Social Models, i.e. Sweden (Nordic Model), France (Continental Model), Portugal (Mediterranean Model) and the UK (Anglo-Saxon Model).
Epargner pour la retraite est une décision qui dépend du revenu disponible comme du revenu espéré futurement, de la composition des ménages et les âges des individus, de la richesse nette accumulée et, finalement, de la longévité durant l'âge actif et pendant la période de la retraite. La théorie du cycle de vie explique les décisions de consommation et l'épargne en fonction des phases de la vie de l'individu. Dans une première phase, (en occurrence l'enfance), l'individu consomme et reçoit son éducation. Dans une seconde phase, d'activité professionnelle), l'individu produit, consomme et épargne. Dans une troisième phase, celle de la retraite, l'individu utilise sa richesse nette accumulée pendant la période d'activité incluant la richesse provenante de la sécurité sociale pour financer sa consommation du cycle de vie. Les modèles sociaux assurent le remplacement du revenu et l'accès à des prestations dans toutes les phases de la vie de l'individu et influencent les décisions de consommation et d'épargne. Dans cette thèse, le comportement de l'épargne est analysé en prenant en compte la longévité dans les différents pays représentatifs des modèles sociaux européens, notamment, la Suède (Modèle Nordique), la France (Modèle Continental), le Portugal (Modèle Méditerranéen) et le Royaume-Uni (Modèle Anglo-Saxon).
37
Vaz, Paralta Sara Sofia. "Longevity and saving for retirement." Paris 9, 2010. http://www.theses.fr/2010PA090022.
Full textAbstract:
Epargner pour la retraite est une décision qui dépend du revenu disponible comme du revenu espéré futurement, de la composition des ménages et les âges des individus, de la richesse nette accumulée et, finalement, de la longévité durant l’âge actif et pendant la période de la retraite. La théorie du cycle de vie explique les décisions de consommation et l’épargne en fonction des phases de la vie de l’individu. Dans une première phase, (en occurrence l’enfance), l’individu consomme et reçoit son éducation. Dans une seconde phase, (l’activité professionnelle), l’individu produit, consomme et épargne. Dans une troisième phase, celle de la retraite, l’individu utilise sa richesse nette accumulée pendant la période d’activité incluant la richesse provenant de la sécurité sociale pour financer sa consommation du cycle de vie. Les modèles sociaux assurent le remplacement du revenu et l’accès à des prestations dans toutes les phases de la vie de l’individu et influencent les décisions de consommation et d'épargne. Dans cette thèse, le comportement de l’épargne est analysé en prenant en compte la longévité dans les différents pays représentatifs des modèles sociaux européens, notamment, la Suède (Modèle Nordique), la France (Modèle Continental), le Portugal (Modèle Méditerranéen) et le Royaume-Uni (Modèle Anglo-Saxon)Saving for retirement is a decision that depends on many factors. Firstly, it depends on the disposable income and future expected income. Secondly, the composition of households and the ages of individuals are determinant. Thirdly, it depends on the composition of net wealth and, finally, longevity during working life and retirement period. The life-cycle theory explains the consumption and saving decisions in function of the different phases in life. During childhood, the individual consumes and receives his education. In a second stage, the individual actively consumes, produces and saves. In a third phase, the individual uses his accumulated net wealth, including the amount of social security wealth, to finance his consumption of life-cycle during retirement. The social models ensure a substitution income and access to benefits in every stage of life, causing an impact on consumption and saving decisions. In this dissertation, saving behaviour is analysed by considering the impact of longevity in different countries representative of the various European Social Models, i. E. Sweden (Nordic Model), France (Continental Model), Portugal (Mediterranean Model) and the UK (Anglo-Saxon Model)
38
Bici, Herolinda. "Drama in a retirement home." Thesis, Malmö högskola, Lärarutbildningen (LUT), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:mau:diva-35984.
Full textAbstract:
Denna uppsats handlar om dramapedagogik med personer inom äldreomsorgen. Syftet med arbetet är att ta reda på vilka känslor som upplevs och ges uttryck för när personer inom äldreomsorgen får arbeta med drama. Frågeställningarna har varit följande: Vilka känslor konkretiseras i mötet med drama? Hur kan drama uppmuntra deltagarna att våga uttrycka sina känslor? Hur påverkar deltagarna varandra när de arbetar med olika dramaövningar? Vilka upplevelser och tankar tar deltagarna med sig efter fem dramaträffar?This paper is about drama with people in the elderly care. The purpose of this study is to see what feelings/emotions these persons experience and express when they encounter drama. The research questions are the following: What emotions are made concrete when encountering drama? How can drama encourage the participants to be able to express their feelings? How do the participants affect one another when working with different drama tasks? What experiences and thoughts do the participants take with them after five drama events.
39
Sullivan, Sherry E. "Retirement as a career transition." The Ohio State University, 1988. http://rave.ohiolink.edu/etdc/view?acc_num=osu1273501760.
Full text
40
Li, Jieyu Phyllis. "Intended retirement and wealth adequacy /." The Ohio State University, 1996. http://rave.ohiolink.edu/etdc/view?acc_num=osu148793235105674.
Full text
41
Beaty, Frank R. "A biblical perspective of retirement." Theological Research Exchange Network (TREN), 1993. http://www.tren.com.
Full text
42
Downey, Donald David. "The retirement of diocesan priests." Theological Research Exchange Network (TREN), 2005. http://www.tren.com.
Full text
43
Glans, Erik. "Pension reforms and retirement behaviour /." Uppsala : Nationalekonomiska institutionen, Uppsala universitet, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-107796.
Full text
44
Smyrnis, George. "Essays in Improving Retirement Engagement." Thesis, University of Sydney, 2020. https://hdl.handle.net/2123/23628.
Full textAbstract:
Many people around the world face an inadequately funded retirement. The OECD acknowledges this is occurring at a time when governments and societies are also experiencing several challenges, including ageing populations, technological disruption, low real economic growth, and low investment yields. The purpose of this research is to assess the effect on member engagement, savings and investment of new communication from retirement funds to members. We accomplish this by modelling both revealed preferences from field experiments conducted by Cbus, an Australian retirement (superannuation) fund, and stated preferences collected via choice experiments that resemble lifetime saving and investment decisions. We find that member engagement and saving are significantly increased when funds: (i) send members retirement projections and more detailed financial and retirement information; (ii) provide timely feedback about member's financial circumstances; (iii) increasingly allow members to make decisions relating to their own retirement; and (iv) remove the ability to 'opt-out' by deferring choice. Improvements to engagement persist and often increase over time, and vary by member characteristics. These findings show that superannuation funds that remind and encourage members to assess the adequacy of their retirement, both alongside and in addition to regular benefit statements, are likely to motivate higher saving and engagement with their fund. These results support recent changes to retirement benefit statement guidelines initiated by Australian superannuation regulators, and that are under consideration globally.
45
Akhtar, Muhammad Waqar. "Behavioral issues in retirement savings." Electronic Thesis or Diss., Université Clermont Auvergne (2021-...), 2023. http://www.theses.fr/2023UCFA0058.
Full textAbstract:
Cette thèse de doctorat examine les aspects comportementaux de l'épargne-retraite, en se concentrant sur trois chapitres empiriques. La recherche étend la littérature existante en examinant l'impact de la littératie financière sur l'épargne-retraite, en comparant les pays avec différents niveaux de développement financier. De plus, l'étude explore le rôle des traits de personnalité dans la formation du comportement d'épargne, en utilisant une analyse de données à grande échelle. Une contribution unique de cette recherche est la combinaison de données micro et macro pour étudier la relation entre ces facteurs et l'épargne-retraite. L'étude examine comment la protection des investisseurs et l'attitude face au risque d'un individu influencent leur comportement d'épargne. L'objectif principal de cette thèse est d'étudier en profondeur le comportement des individus envers leurs objectifs d'épargne pour la vie post-retraite, en mettant en évidence le rôle important joué par la littératie financière et les traits de personnalité dans ce processus.Le premier chapitre de notre thèse examine la relation entre la littératie financière et l'épargne-retraite, en utilisant des données de l'Enquête sur les finances et la consommation des ménages (HFCS). Pour analyser l'impact de la littératie financière sur le comportement d'épargne, l'étude se concentre sur le Luxembourg et la Slovaquie, qui ont différents niveaux de développement financier. Les résultats de notre recherche révèlent que le niveau de littératie financière parmi la population du Luxembourg est plus élevé que celui de la Slovaquie. L'analyse empirique indique que la littératie financière est positivement associée à l'épargne-retraite au Luxembourg, tandis qu'aucune relation significative n'est trouvée entre la littératie financière et l'épargne en Slovaquie. Ces résultats contribuent à une meilleure compréhension du rôle de la littératie financière dans le comportement d'épargne-retraite et ont des implications importantes pour les décideurs politiques.Le deuxième chapitre de notre thèse examine l'impact des cinq grands traits de personnalité sur le comportement d'épargne des individus. Les cinq grands traits de personnalité, notamment l'Ouverture, la Conscience, l'Extraversion, l'Agréabilité et la Névrose, sont largement reconnus par les psychologues comme des dimensions fondamentales qui façonnent le comportement humain. L'étude utilise des données de la base de données SHARE et couvre un échantillon de 27 pays européens. Les résultats suggèrent que les traits de personnalité influencent significativement le comportement d'épargne, et en particulier, les traits d'Ouverture et d'Agréabilité ont un impact positif sur le comportement d'épargne. Les résultats de ce chapitre fournissent des informations importantes sur le rôle des traits de personnalité dans l'épargne-retraite et ont des implications pratiques pour les planificateurs financiers et les conseillers.Le troisième et dernier chapitre de la thèse examine la relation entre la protection des investisseurs, l'attitude d'investissement et le comportement d'épargne. L'étude examine si la protection des investisseurs peut jouer un rôle important dans le comportement d'épargne-retraite des ménages et si elle peut aider les individus à adopter une attitude de risque plus favorable envers l'épargne-retraite. L'analyse se concentre sur l'impact de la protection des investisseurs et de l'attitude face au risque sur le comportement d'épargne et l'interaction entre les deux facteurs. L'étude utilise des données de la Banque mondiale pour la protection des investisseurs et de la base de données SHARE pour les données des ménages. Les résultats indiquent une relation significative entre la force de la protection des investisseurs, l'attitude face au risque d'un individu et le comportement d'épargne-retraiteThis PhD thesis investigates the behavioral aspects of retirement savings, with a focus on three empirical chapters. The research extends the existing literature by examining the impact of financial literacy on retirement savings, comparing countries with different levels of financial development. Additionally, the study explores the role of personality traits in shaping savings behavior, using large-scale data analysis. A unique contribution of this research is the combination of micro and macro data to investigate the relationship between these factors and retirement savings. The study examines how investor protection and an individual's risk attitude influence their savings behavior. The primary objective of this thesis is to investigate thoroughly individuals' behavior towards their savings goals for post-retirement life, highlighting the important role played by financial literacy and personality traits in this process.The first chapter of our thesis examines the relationship between financial literacy and retirement savings, using data from the Household Finance and Consumption Survey (HFCS). To analyze the impact of financial literacy on savings behavior, the study focuses on Luxembourg and Slovakia, which have different levels of financial development. The findings of our research reveal that the level of financial literacy among the population of Luxembourg is higher as compared to that of Slovakia. The empirical analysis indicates that financial literacy is positively associated with retirement savings in Luxembourg, while no significant relationship is found between financial literacy and savings in Slovakia. These findings contribute to a better understanding of the role of financial literacy in retirement savings behavior.The second chapter of our thesis investigates the impact of the big five personality traits on individuals' savings behavior. The big five personality traits, including Openness, Conscientiousness, Extraversion, Agreeableness, and Neuroticism, are widely recognized by psychologists as fundamental dimensions that shape human behavior. The study utilizes data from the SHARE database and covers a sample of 27 European countries. The results suggest that personality traits significantly influence savings behavior, and in particular, the traits of Openness and Agreeableness have a positive impact on savings behavior. The findings of this chapter provide important insights into the role of personality traits in retirement savings and have practical implications for financial planners and advisors.The third and final chapter of the thesis examines the relationship between Investor Protection, Investment Attitude, and Savings Behavior. The study investigates whether investor protection can play an important role in retirement savings behavior among households and whether it can help individuals adopt a more favorable risk attitude towards retirement savings. The analysis focuses on the impact of investor protection and risk attitude on savings behavior and the interaction between the two factors. The study utilizes data from the World Bank for investor protection and from the SHARE database for household data. The results indicate a significant relationship between the strength of investor protection, an individual's risk attitude, and retirement savings behavior.Our thesis focuses on retirement savings, a critical area of research due to its impact on financial security. We examine the impact of financial literacy, personality traits, and investor protection on savings behavior. Our findings provide valuable insights for policymakers and financial practitioners. These factors are essential considerations in understanding retirement savings behavior. Policymakers can use our findings to design effective retirement savings policies and programs
46
Goodhart, Gregory S. "An Examination of Early Retirement Incentives: A Study of Retirement Rates and Average Retirement Age of Full-time Higher Education Faculty in Postsecondary Institutions." Ohio : Ohio University, 2009. http://www.ohiolink.edu/etd/view.cgi?ohiou1241802551.
Full text
47
Lampert, Jacqueline Garry. "The influence of expected retirement income on the rate of retirement savings of young people." CONNECT TO ELECTRONIC THESIS, 2006. http://hdl.handle.net/1961/3605.
Full text
48
Ohlson, Mikael. "Pension Eligibility and Retirement Behavior : Did the 1979 Swedish pension reform affect immigrant retirement behavior?" Licentiate thesis, Växjö University, School of Management and Economics, 2004. http://urn.kb.se/resolve?urn=urn:nbn:se:vxu:diva-911.
Full textAbstract:
We examine the effects of changed eligibility rules to disability pension by the 1979 Swedish pension reform on immigrant retirement behavior. The reform made disability pension in the form of basic pension available to a wider group of immigrants. By using the LINDA database in a “difference-in-difference” model we estimate the effects of the reform on the probability of retirement in the age group 40-64. We find a positive impact of the reform on immigrant retirement behavior among women. Our results also indicate that naturalization may have been a way to get access to disability pension for those who, before the reform, had no legal right to basic pension.
49
Kridahl, Linda. "Time for Retirement : Studies on how leisure and family associate with retirement timing in Sweden." Doctoral thesis, Stockholms universitet, Sociologiska institutionen, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:su:diva-148514.
Full textAbstract:
Retirement transition is a major life event in later adult life. Its timing is important for older individuals for economic, personal and family reasons, as well as for aging societies contemplating a comprehensive plan for population changes, including sustainability of the labor force, pension system, and welfare services such as eldercare. This thesis explores retirement timing in contemporary Sweden, which serves as an interesting case study because of its aging population, high labor force participation of men and women, universal pension system and generous welfare services. The overarching aim of the thesis is to investigate how relationships in the private sphere associate with retirement timing by focusing on leisure engagement, family relations and intergenerational ties. The thesis consists of an introductory chapter and four empirical studies. The purpose of the introductory chapter is to place the four studies in context by focusing on the Swedish population structure, labor force participation and pension system and by highlighting some of the central theories and empirical findings related to retirement transition. Study I addresses leisure engagement before retirement and retirement timing, and how engagement in leisure changes after retirement. The study finds that retirement timing varies by both the type of preretirement activity domain and the level of engagement. For instance, occasional or frequent engagement in dance and music postponed retirement compared to no engagement in these activities. The study also finds that patterns of leisure engagement after transition into retirement tend to be a continuation of the corresponding preretirement patterns. Study II investigates the association between grandparenthood and retirement timing. The results show that grandparents at different life stages are more likely to retire compared to non-grandparents, but there is also variation among grandparents, and the more complex the family situation, the more likely grandparents are to retire. In Study III, the focus shifts to the relationship between survival of elderly parents and retirement timing. The study finds that parental survival is positively linked to retirement timing and that the effects are stronger and more consistent for women thanfor men, in particular when only one parent is still alive. Additionally, women have a higher propensity of retiring in the immediate period after parental death, especially when the father is widowed. In contrast, men have a higher propensity of retiring when either the mother or father has been widowed for some years. Study IV examines married couples’ propensity to coordinate retirement. The study finds that the likelihood that spouses will coordinate their retirement decreases as their age difference increases but that age differences have a similar effect on retirement coordination for couples with a larger age difference. The study also finds that coordination is largely gender neutral in opposite-sex couples with age differences, regardless of whether the male is the older spouse. The thesis shows that, compared to wealth or health predictors of retirement, factors concerning the private sphere are also most relevant in non-trivial ways to large shares of retirees in Sweden. Increased knowledge of these relationships is important both for individuals’ retirement planning and for decision-makers’ and policy-makers’ planning and organization.At the time of the doctoral defense, the following papers were unpublished and had a status as follows: Paper 3: Manuscript. Paper 4: Manuscript.
50
Fondow, Meghan Dee Miller. "Effects of retirement and health among men and women in the health and retirement study." Columbus, Ohio : Ohio State University, 2007. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1180107602.
Full text