Behaviors on Surveys and in the Economy: HRS and Beyond

调查和经济中的行为：HRS 及其他

• 批准号: 7871023
• 负责人: ROBERT J WILLIS
• 金额: $ 152.4万
• 依托单位: UNIVERSITY OF MICHIGAN AT ANN ARBOR
• 依托单位国家: 美国
• 财政年份: 2005
• 资助国家: 美国
• 起止时间: 2005-09-30 至 2015-03-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/7871023
• 关键词: Behaviors; Surveys; Economy; HRS; Beyond

Aging citizens are required to make complex financial, health, and long-term decisions as they prepare for and then enjoy increasingly long periods of retirement. Moreover, as people age, there is a mismatch between the complexity of the decisions they face and the sometimes sudden, sometimes gradual cognitive declines that accompany aging. This project will develop new data that combines objective measures of behaviors and outcomes relating to wealth and portfolio choice, subjective measures of expectations, preferences, affect, measures of financial knowledge, and measures of cognition. By combining measurements across these domains, the project will develop a fuller understanding of the financial decision making and behavior of older Americans. The project will also advance the methodology for studying the behavior and decision making of older Americans by combining data from several modes: large-scale surveys conducted by mail, Internet, and telephone; laboratory experiments; cognitive interviewing; administrative records. Linking data for individual observations across these measurement modes will provide the fullest possible picture of the decision making and behavior, as well as enabling assessment and improvement of the methods of measurement. The methods advanced by the project for studying older Americans financial decision making will be extended to their healthcare decisionmaking. The financial crisis that began in the fall 2008 will have major effects on retirement finance. The project will study how the shocks to retirement assets have affected the retirement planning of older Americans and the well-being of retirees. Furthermore, the project will suggest and analyze innovations in retirement finance that better serve the needs of older Americans while addressing their need to make financial and other complex decisions while faced with the prospect of declining cognition.

老龄化的公民需要做出复杂的财务，健康和长期决策，因为他们为退休做准备，然后享受越来越长的退休时间。此外，随着年龄的增长，他们面临的决策的复杂性与伴随衰老的有时突然，有时逐渐的认知能力下降之间存在不匹配。该项目将开发新的数据，这些数据将结合与财富和投资组合选择相关的行为和结果的客观测量，期望，偏好，影响，金融知识测量和认知测量的主观测量。通过结合这些领域的测量，该项目将更全面地了解美国老年人的财务决策和行为。 该项目还将通过结合几种模式的数据来推进研究美国老年人行为和决策的方法：通过邮件，互联网和电话进行的大规模调查;实验室实验;认知访谈;行政记录。将这些测量模式中的单个观察数据联系起来，将尽可能全面地了解决策和行为，并使评估和改进测量方法成为可能。研究美国老年人财务决策的项目所提出的方法将扩展到他们的医疗保健决策。 2008年秋季开始的金融危机将对退休金融产生重大影响。该项目将研究对退休资产的冲击如何影响美国老年人的退休计划和退休人员的福祉。此外，该项目将建议和分析退休金融的创新，更好地满足美国老年人的需求，同时解决他们在面临认知能力下降的前景时做出财务和其他复杂决策的需求。