NET WORTH AT RETIREMENT AND THE BEHAVIOR OF THE ELDERLY

研究老年人的储蓄动机和退休行为 老年人，该项目建议使用健康和退休研究的 (HRS)研究退休年龄组的综合新数据， 沿着来自资产和健康动态调查的数据， 最年长的老人（AHEAD）研究70岁以上的年龄范围和数据， 高度专业化的TIAA-CREF参与者调查。 我们 具体目的是研究HRS受访者的动机。我们 感兴趣的是老年家庭是否认为自己是孤立的 单位或作为家庭线连接网络的一部分-换句话说， HRS家庭是否有累积养老金权利和其他 为自己的退休生活提供资金，并为自己的 子子孙孙也一样，是否只有前者的问题， 或者说，他们是在期待着自己的回归。 孩子代际联系的频率和深度 对公共政策，对整体经济 函数（包括产生的不平等程度），以及 每个家庭的行为-一个家庭的目标， 理论上讲，对家庭关系的认识会影响 它积累和持有的净工作量， 它安排投资组合，退休年龄， 不管它的私人资源，以及如果公开它将如何反应， 政策会变

To study the motives of savings and retirement behavior among the elderly, this project proposes to use the Health and retirement Study's (HRS) comprehensive new data to study the retirement-age group, along with data from he Survey of Asset and Health Dynamics Among the Oldest Old (AHEAD) to study the 70 plus age range and data from the highly specialized TIAA-CREF survey of participants. Our specific aim is to study the motives of HRS respondents. We are interested in whether older households think of themselves as isolated units or as parts of webs of family-line connections - in other words, whether HRS households have accumulated pension rights and other assets to finance their own retirement and to create estates for their children and grandchildren as well, whether only the former matters to them, or, indeed, whether they expect to receive transfer from their children. The frequency and depth of intergenerational connections have implications for public policy, for the way the overall economy functions (including the degree of inequality generated), and for the behavior of individual households - a household's goals and perceptions with regard to family-line linkages theoretically will affect the amount of net work it accumulates and holds, the manner in which it arranges its portfolio, its age of retirements, how well-off it feels regardless of its private resources, and the ways it will react if public policies change.