Determinants of Retirement Assets and the Amount in Stock in Retirement Assets
Determinants of Retirement Assets and the Amount in Stock in Retirement Assets
复制标题
退休资产的决定因素和退休资产中的存量金额
DOI：
10.1111/j.1552-3934.2012.02127.x
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发表时间：
2012
影响因子：
0.7
通讯作者：
S. DeVaney
中科院分区：
文献类型：
--
作者：
Ting;S. DeVaney
本研究提出，人力资本、健康资本、对财务的态度以及配偶的相对议价能力会影响一个人的退休资产的所有权和数量以及退休资产中股票的所有权和数量。使用 2007 年消费者财务调查中夫妇的数据，逻辑回归和普通最小二乘回归的结果显示了对每种理论的一定支持。受教育程度较高、健康状况较好、储蓄和投资时愿意承担较大风险的户主更有可能拥有一些退休资产，而且他们拥有的退休资产也较多。关于配偶影响力，人们支持议价能力模型，但不支持共享资源模型。随着配偶受教育程度的提高，户主拥有退休资产的可能性更大，退休资产也更多。配偶的工作状况以及配偶是否具有较高的财务知识对退休资产和资产金额有负面影响。然而，由配偶变量解释的方差量很小；因此，应谨慎看待有关配偶影响力的结果。
This study proposed that human capital, health capital, attitudes toward finances, and the relative bargaining power of the spouse would influence the ownership and the amount of a person's retirement assets and the ownership and amount in stocks within the retirement assets. Using data from couples in the 2007 Survey of Consumer Finances, the results of logistic regressions and ordinary least squares regressions showed some support for each theory. The household heads who had more education, those who were in better health, and those who would take more risk when saving and investing were more likely to own some retirement assets and they had more in retirement assets. In regard to spousal influence, there was support for the bargaining power model but not for the shared resources model. As the spouse's level of education increased, the household head was more likely to own retirement assets and there was more in the retirement assets. The working status of the spouse and whether the spouse was more financially knowledgeable had a negative influence on retirement assets and the amount in assets. However, the amount of variance that was explained by the spousal variables was small; therefore, the results regarding the spouse's influence should be viewed with caution.