Sooner rather than later? Younger and middle-aged adults preparing for retirement
Sooner rather than later? Younger and middle-aged adults preparing for retirement
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DOI：
10.1017/s0144686x99007837
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发表时间：
2000-07-01
期刊：
影响因子：
--
通讯作者：
Stewart, R
中科院分区：
文献类型：
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作者：
Anderson, M;Li, YJ;Stewart, R
在20世纪90年代，英国政府和金融机构敦促英国人为退休做更多的个人准备，并在他们还相对年轻的时候开始这样做。本文，设置在一个更广泛的分析人们的长期规划行为，调查在何种程度上的样本一般人口的柯克卡尔迪在苏格兰，大多年龄在30岁至49岁之间，考虑到退休的问题，觉得他们已经做好了财务准备，以及如何舒适，他们希望退休。虽然提早为退休作计划的情况在今天似乎比几年前更为普遍，但仍有相当一部分人，包括但远不止这些人，许多属于低收入群体，由于各种原因（包括家庭责任、个人经历、文化和一般生活取向），似乎没有做好准备。这项研究的结论是，退休计划必须被视为整个计划的一部分，计划的倾向是物质，社会，文化和心理因素复杂网络的结果。这表明，即使来自政界人士和金融机构的高调敦促，也不太可能为英国相当一部分人口提供足够的养老金。
During the 1990s, the British population has been urged by government and financial institutions to make more personal preparation for retirement and to begin doing so while they are still relatively young. This paper, set within a wider analysis of people's long-term planning behaviour, investigates the extent to which a sample of the general population of Kirkcaldy in Scotland, mostly aged between 30 and 49, has given thought to the question of retirement, feels they have made financial preparation for it, and also how comfortable they expect retirement to be. While it seems likely that early planning for retirement is more common today than no years ago, there remain substantial sections of the population, including-hut going well beyond - many in lower income groups, who appear not to be preparing, for varying combinations of reasons (including family responsibilities, personal history, cultural and general orientation to life). The study concludes that planning for retirement must be seen as part of planning as a whole, and that the propensity to plan is the outcome of a complex web of material, social, cultural and psychological factors. This suggests that even very high profile urging from politicians and financial institutions is unlikely to deliver adequate pensions for significant sections of the UK population.