Knowing when to Retire: The First Step Towards Financial Planning in Malaysia

Abstract

This article draws upon expected retirement age cohorts as a main determinant to financial planning preparation in Malaysia. The return rate was 55% from 600 questionnaires distributed. Five hypotheses were analyzed using hierarchical and stepwise regression analysis. The results revealed that expected retirement age cohort variables made significant contribution to financial planning preparation as well as personal orientation towards retirement planning, particularly the younger age cohort. There is an effect on personal orientation towards retirement planning. No significant effect was found between expected retirement age cohort and current financial resources, but older age cohorts were relatively more significant predictors.

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