CHANGING DECISIONS AND PLANS FOR RETIREMENT

描述：这是一项使用二次数据来调查 关于退休的决策过程。调查人员辩称， 人们对退休的实际参与早在退休之前就开始了 在退役研究中分析的结束游戏的情况 “决策”，通常研究结果，而不是 实际做出的决定。尽管决策不是一帆风顺的 在拟议的研究中观察到，研究人员断言，很多东西可以 从工人的计划或行为意图中学习。这些计划 随着时间的推移，员工娱乐是决策过程中显而易见的方面。 退休行为归根结底是早先制定的计划的结果 并重新制造，将工人引导到特定的工作岗位 和退休结果。调查人员断言，工人们正在招待 计划来自于由传记和 使未来行动成为可能的情景因素。因为 机会结构不稳定，计划可能会改变，使员工 将退休视为真正的发展。 该项目将基于国家统计局的三次两年一次的数据浪潮 健康和退休研究(HRS)，从1992年到1996年，使用一项研究 浪潮约有9,800名年龄在51-61岁的男女工人 1和55-65。五个具体目标是：a)建立 一般类型退休计划的综合衡量框架 这包括工作和退休意愿的异质性， 包括真实的立场，如永不退休的计划和不确定 计划；b)确认退休计划类型在理论上的可预测性 以及这些行为意图与准备步骤的关系；c) 检查计划的可变性，以及它们是否变得更加明确 时间；也评估工人退出计划的近期准确性 他们的工作；d)用滞后的模型测试计划是否来自结构 随着退休的临近而增加的机会；和e) 将机会结构中的更改与计划中的更改联系起来，并进行测试 先前计划的时间深度是否预示着它们以后的实现。 调查人员辩称，关于人们扩展的详细信息 晚年的决策应该有利于退休准备 向以下人群传播生活方式建议的专家、当局 可退休年龄，以及设计退休激励的政策制定者。这 该项目将检查员工的情绪和财务准备情况 并增加关于谁选择他们的未来，谁失败的知识 来控制它，以及谁有可能失去对退休决定的控制。

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.