Planning for Retirement Security: What Helps or Hinders Women in the Middle Years?

Abstract

The purpose of this study was to examine the retirement planning of women between 40 and 55 years of age within the theoretical framework of family re source management. A sample of 220 wornen completed mailed questionnaires. Retirement planning was defined as a five‐step managerial process. Descriptive responses of these women indicated high interest in retirement planning, but their level of planning raised serious concern for the future. Special emphasis on three social‐psychological concepts—risk taking, “math anxiety,” and locus of control—offered a unique perspective in this study. Multiple regression analysis found the following characteristics of women most active in retirement planning: higher household income, expected a pension, positive orientation toward finan cial risk, perceived control over chance, general willingness to take risks, internal belief in the ability to control one's life, comfort with math ability, and older age.

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