CHANGING DECISIONS AND PLANS FOR RETIREMENT

改变退休决定和计划

• 批准号: 2769388
• 负责人: David J Ekerdt
• 金额: $ 14.51万
• 依托单位: UNIVERSITY OF KANSAS LAWRENCE
• 依托单位国家: 美国
• 财政年份: 1997
• 资助国家: 美国
• 起止时间: 1997-09-30 至 2000-08-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/2769388
• 关键词: behavior prediction; behavioral /social science research tag; decision making; employment /unemployment; health surveys; human data; human middle age (35-64); locus of control; longitudinal human study; retirement

DESCRIPTION: This is a proposal to use secondary data to investigate the processes of decision making for retirement. The investigators argue that people's practical involvement with retirement begins long in advance of the end-game circumstances that are analyzed in research on the retirement "decision," research that usually studies the outcomes, rather than the actual making, of decisions. Although decision making cannot be readily observed in the proposed study, the investigators assert that much can be learned from workers' plans or behavioral intentions. The plans that workers entertain over time are the manifest aspect of decision making. Retirement behavior, ultimately, is the consequence of earlier plans made and re-made that will have channeled workers toward particular employment and retirement outcomes. The investigators assert that workers entertain plans from within an "opportunity structure" composed of biographical and situational factors that make future action conceivable. Because the opportunity structure is unstable, plans can change, rendering workers' encounter with retirement as truly developmental. The project will be based on three biennial waves of data from the National Health and Retirement Study (HRS), from 1992 to 1996, using a study population of approximately 9,800 male and female workers aged 51-61 at Wave 1 and 55-65 at Wave 3. The five specific aims are to: a) establish a comprehensive measurement framework for general types of retirement plans that encompass the heterogeneity of work and retirement intentions, including authentic stances such as plans never to retire and uncertain plans; b) confirm the theoretical predictability of retirement plan types and the relationship of these behavioral intentions to preparation steps; c) examine the lability of plans and whether they become more defined over time; also to evaluate the near-term accuracy of plans for workers who exit their jobs; d) test with lagged models whether plans flow from a structure of opportunity that rises in force with the approach of retirement; and e) link change in the opportunity structure to changes in plans, and test whether the temporal depth of prior plans predicts their later fulfillment. The investigators argue that detailed information about people's extended decision making for later life should benefit retirement preparation specialists, authorities who disseminate lifestyle advice to persons of retireable age, and policy makers who design retirement incentives. This project will examine workers' emotional and financial preparation for their later years and add to knowledge about who chooses their future, who fails to control it, and who risks losing control of retirement decisions.

描述：这是一项使用二级数据调查 退休决策的过程。 调查人员认为， 人们对退休的实际参与早在 在退休研究中分析的结束游戏情况 “决定”，通常研究结果的研究，而不是 真正的决策 尽管决策不能轻易做出， 在拟议的研究中观察到，研究人员断言， 从工人的计划或行为意图中学习。 的一些安排 工人们在一段时间内的娱乐是决策的明显方面。 最终，退休行为是早期计划的结果。 并重新制作，将工人引导到特定的就业岗位， 退休的结果。 调查人员断言， 从一个“机会结构”中的计划， 使未来行动变得可能的情境因素。 因为 机会结构是不稳定的，计划可以改变， 退休是真正的发展。 该项目将基于来自国家统计局的三个两年一次的数据。 健康和退休研究（HRS），1992年至1996年，使用一项研究 Wave约有9，800名年龄在51-61岁之间的男女工人 1和55-65在波3。 五个具体目标是：a）建立一个 一般类型退休计划的综合衡量框架 包括工作和退休意向的异质性， 包括真正的立场，如计划永远不会退休， 计划; B）确认退休计划类型的理论可预测性 以及这些行为意图与准备步骤的关系; c） 检查计划的不稳定性，以及它们是否变得更加明确， 时间;也评估短期的准确性计划的工人谁退出 d）用滞后模型测试计划是否来自一个结构 随着退休的临近，机会的增加;以及e） 将机会结构中的更改与计划中的更改联系起来，并测试 先前计划的时间深度是否预示了它们后来的实现。 调查人员认为，有关人们的详细信息， 为晚年生活做决定应该有益于退休准备 专家、向残疾人传播生活方式建议的当局 退休年龄，以及设计退休激励措施的政策制定者。 这 该项目将检查工人的情感和财务准备， 并增加了关于谁选择他们的未来，谁失败的知识， 控制它，谁冒着失去对退休决定的控制的风险。