The Psychological Predictors of Older Preretirees’ Financial Self-Efficacy
The Psychological Predictors of Older Preretirees’ Financial Self-Efficacy
复制标题
老年预退休人员财务自我效能感的心理预测因素
DOI：
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发表时间：
2019
期刊：
影响因子：
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通讯作者：
Gary L. Brase
中科院分区：
文献类型：
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作者：
Sarah D. Asebedo;Martin Seay;Kristy L. Archuleta;Gary L. Brase
摘要金融自我效能感是一种对从信贷市场参与到储蓄和投资行为等一系列金融行为具有重要影响的心理特征。研究提供了一致的证据，表明较高的FSE支持各种样本中谨慎和增长导向的金融行为。对于老年人来说，FSE已经被证明是薄弱的，容易下降，这是令人担忧的，因为老年人需要为退休储蓄大量，几乎没有时间这样做。虽然研究已经提供了一些关于与FSE相关的社会人口和经济因素的见解（例如，收入），很少有人了解心理因素，有助于FSE水平。因此，作者在2,068名美国人的样本中调查了心理特征如何塑造FSE。健康和退休研究的退休前人员。结果表明，FSE可以通过频繁的积极影响，减少消极影响，更强的掌握信念，和更高的任务定向支持。有了这些知识，财务专业人员可以更有效地帮助支持老年退休前的FSE，并最终帮助他们为退休做好财务准备。
Abstract Financial self-efficacy (FSE) is a psychological trait that has significant influence over a wide array of financial behavior—from credit market participation to saving and investing behavior. Research has provided consistent evidence that suggests higher FSE supports prudent and growth-oriented financial behavior across a variety of samples. For older adults, FSE has been shown to be weak and susceptible to decline, which is concerning because older adults need to save significantly for retirement, with little time to do so. While research has provided some insight into the sociodemographic and economic factors related to FSE (e.g., income), little is understood about the psychological factors that contribute to FSE levels. Consequently, the authors investigate how psychological characteristics shape FSE within a sample of 2,068 U.S. preretirees from the Health and Retirement Study. Results revealed that FSE can be supported through frequent positive affect, reduced negative affect, stronger mastery beliefs, and a higher task orientation. With this knowledge, financial professionals can more effectively help support older preretirees’ FSE and ultimately, their ability to prepare financially for retirement.