O objetivo deste trabalho foi identificar uma opção de investimento em ambientes residenciais especiais, mais conhecidos no Brasil como instituições de longa permanência, com um formato jurídico e uma estrutura de governança corporativa que assegure perenidade institucional, além de um formato econômico-financeiro flexível que priorize qualidade de vida para os residentes. Três aspectos subsidiaram o propósito deste estudo e puderam ser comprovados ao final: uma parcela representativa da população pesquisada não acredita que os rendimentos a serem recebidos da previdência social ao se aposentarem sejam suficientes para sustentá-la; as pessoas não confiam nas organizações atuais no que tange aos cuidados oferecidos aos seus residentes e ambientes residenciais especiais que ofereçam garantias de qualidade de vida são opções de investimentos a futuros usufrutuários. Um fator intimamente ligado ao assunto é a mudança da pirâmide etária, caracterizada pelo aumento da população com faixa etária superior aos 60 anos de idade. Enquanto a população com menos de 40 anos deve diminuir 2% de 2008 a 2050, o grupo com 60 anos ou mais deve aumentar 256%. Outro aspecto determinante são os portadores de necessidades especiais, que precisarão de organizações confiáveis para quando os familiares não puderem oferecer-lhes cuidados adequados. Instituições nacionais e internacionais com formatos diferenciados foram analisadas e mais de 1500 pessoas foram pesquisadas na região metropolitana de São Paulo e arredores. Os resultados culminaram com a definição do perfil de investidores potenciais. Este trabalho pode gerar alguns desdobramentos, tais como estudos que evidenciem a necessidade de educação e de cultura financeira objetivando propiciar aposentadoria com rendimentos que proporcionem condições sociais de qualidade, outros modelos jurídicos, pesquisas em outras cidades, refinamentos das informações geradas na primeira pesquisa e possíveis variações em relação ao perfil do investidor potencial. / The objective of this work was to identify an investment option in special residential environments, better known in Brazil as institutions of long permanence, with legal format and corporate governance, which assures institutional perenniality and also a flexible financial-economic format that gives priority to the residents quality of life. The purpose of this study was subventioned by three aspects, which were proved at the end: a significant part of the population researched does not believe that the social security income will be enough for a living when they retire; people do not trust the current organizations concerning the offered care to its residents and special residential environments that guarantee quality of life are investment options to future beneficial owners. One factor closely related to the subject is the population pyramid change, characterized by an increase in population over 60 years of age. While the population below 40 years old must decrease 2% from 2008 to 2050, the group over 60 years old must increase 256%. Another determining aspect is the handicapped, who will need trustworthy organizations to when their family is not able to offer them appropriate care. National and international institutions with exclusive formats were analyzed and more than 1500 people were researched in São Paulo metropolitan area and surroundings. The results have culminated with the definition of the potential investor profile. This work can create some unfolding, such as studies that enhance the need of education and financial culture with the objective of providing retirement with interest that provide high-quality social conditions, other legal models, researches in other cities, refinement of the information generated on the first research and possible variations concerning the potential investor profile.

In Hong Kong, the population of older adults aged 65 and above is expected to nearly double by the beginning of the 2030s, which will then represent just over a quarter of the population. A local study found that many people in Hong Kong had given very little thought to plans for retirement and old age, including aspects of financial, health, social, and living arrangements (Lee & Law, 2004). Many similar retirement studies can be found in the West, primarily using a quantitative inquiry framework. The number of qualitative inquiries on aging issues has steadily increased over the last decade. Results from previous studies showed similar patterns, i.e. low levels of planning activities for retirement and old age across all social classes. However, none of the studies explored beyond the correlations and associations among variables. This study aims to add to the body of knowledge in the field of aging by employing life course perspectives with a qualitative approach through examining whether situational and contextual factors do in fact affect individuals’ old age readiness. There are two core objectives of this study. The first objective is to investigate whether and how life experiences from significant events or transitions influence important decisions in life, in this case, the planning for retirement and old age among the target population of mid-aged women from middle and working class backgrounds in Hong Kong. The second objective is to explore relationships and the degree of significance between Chinese traditional belief systems and the level of retirement preparedness amidst high volatility in global financial markets and the development of old age friendly welfare and policies in Hong Kong. Semi-structured interviews were conducted with a purposive sample of 34 women between the ages of 45 and 59. Results connote that most of these women witnessed the growth of economic development in Hong Kong; unfortunately they have not accumulated enough physical resources to prepare for retirement or old age after its growth plateaued and has been stumbling since the late 1990s. Their social network system is very limited and in many cases also fragile. Minimal preventive health measures are being taken except for addressing pre-existing physical and mental health issues. Living arrangements is the area least planned for, including those women who are public rental housing tenants. The interviewed women hold the same Chinese traditional value that they are hoping to receive family support during old age. Nonetheless, they also feel vulnerable because their adult children are struggling to make ends meet as well. Public cash assistances are these women’s last resort if their children cannot afford to provide support due to economic difficulties or after depletion of their own funds from MPF, personal savings and investments. This group of women is likely to actively utilize the public healthcare system, community programs, and long-term care facilities in the near future. Implications of the study include social work practices and public policies that will support the potential needs of the forthcoming wave of the old age population. / published_or_final_version / Social Work and Social Administration / Doctoral / Doctor of Philosophy

老化海嘯狂襲全球，據美國人口資料局（PRB）估計，2014年年中全球65歲以上人口約占8％，日本、摩納哥、德國、義大利老年人口均達20％以上，為全球老化程度較高國家。台灣則為12％，惟總生育率一直低於人口替換水準「2.1」，據內政部統計至2014年為1.16，國發會更推估在10年後將進入負成長；預估2060年65歲以上的人口比率由目前的12％將增加為41％；對台灣而言，老年人口占總人口的比率從10％上升到20％所需的時間僅19年，遠較日本21年、德國57年、美國58年、英國80年與瑞典85年的速度為快。2060年台灣將成為全球人口老化名列前茅的國家。面對光速老化的未來我們準備好了嗎？將來的退休金夠用嗎？ 尤其針對人口老化所導致社福支出增加排擠經建支出的問題，甚至造成四大退休基金面臨破產危機的困境；根據勞工保險財務精算報告，勞保的隱藏負債已達7.3 兆元，預計在107 年首次出現保費收入不敷支出，預估116 年將面臨嚴峻挑戰。另外，科技與醫學不斷進步，據內政部公佈102年我國平均餘命為79.12 歲，其中男性75.96 歲，女性82.47 歲。10 年內增加約2 歲，未來人類壽命還可能愈來愈長。因此近年來退休後經濟相關的議題，引人關注及廣泛的討論，多年來的調查數據也顯示民眾在『退休理財』方面的規劃，及退休後財務的準備普遍不足。 然而一般民眾存款及放款是透過銀行等金融機構進行，因金流及營業場所普及的關係，銀行成了一般民眾投資理財最主要的通路，為瞭解銀行客戶在退休理財所做的規劃內容是否與理論正常有相當大的差異？亦即其理財行為是否有需改善或調整之處？因此本研究的主要目的是透過找出其理財行為差異的原因，並尋求改善之道，讓一般民眾能透過更好的退休理財規劃，進而享有安心且財務不虞匱乏的退休生活。

This investigation concerns the extent and nature of corporate preretirement planning programs in Dallas to ascertain employee access to retirement information and planning at the place of employment. Seven variables and their relationship to the existence of these programs are also studied. This study indicates that Dallas employees have limited access to retirement information through their employer. Existing programs often come too late for financial planning. Forty-nine of the 85 corporations have fewer than 1,000 employees, usually considered too few for a program. This study found that corporations with 5,000 or more employees may not have a program due to the nature of their business which necessitates dispersal of employees or requires younger employees with training in new technologies. The cost of a program was a deterrent for one corporation. Twelve respondents believe such programs are not the responsibility of business.

Research in retirement planning has found that people are delaying investing in a retirement plan and are missing out on thousands of potential savings from not investing since 401(k)’s are protected against income taxes. This delay of investment could be occurring as a result of choice overload. The current study examined choice overload in the financial context of 401(k) retirement plans in order to find an efficient solution. Social influences and peer effects have been shown to increase retirement plan participation rates. Participants (n=119) were randomly assigned to a control condition or one of two social preferences conditions, one of which had a heavily skewed social preference while the other had relatively equal preferences. Participants were instructed to build a 401(k) and then were asked questions regarding their financial literacy and overload and satisfaction with their decisions. There was no significant effect of social preferences on overload or satisfaction. However, financial literacy was found to be a negative predictor of satisfaction.

O objetivo deste trabalho foi identificar uma opção de investimento em ambientes residenciais especiais, mais conhecidos no Brasil como instituições de longa permanência, com um formato jurídico e uma estrutura de governança corporativa que assegure perenidade institucional, além de um formato econômico-financeiro flexível que priorize qualidade de vida para os residentes. Três aspectos subsidiaram o propósito deste estudo e puderam ser comprovados ao final: uma parcela representativa da população pesquisada não acredita que os rendimentos a serem recebidos da previdência social ao se aposentarem sejam suficientes para sustentá-la; as pessoas não confiam nas organizações atuais no que tange aos cuidados oferecidos aos seus residentes e ambientes residenciais especiais que ofereçam garantias de qualidade de vida são opções de investimentos a futuros usufrutuários. Um fator intimamente ligado ao assunto é a mudança da pirâmide etária, caracterizada pelo aumento da população com faixa etária superior aos 60 anos de idade. Enquanto a população com menos de 40 anos deve diminuir 2% de 2008 a 2050, o grupo com 60 anos ou mais deve aumentar 256%. Outro aspecto determinante são os portadores de necessidades especiais, que precisarão de organizações confiáveis para quando os familiares não puderem oferecer-lhes cuidados adequados. Instituições nacionais e internacionais com formatos diferenciados foram analisadas e mais de 1500 pessoas foram pesquisadas na região metropolitana de São Paulo e arredores. Os resultados culminaram com a definição do perfil de investidores potenciais. Este trabalho pode gerar alguns desdobramentos, tais como estudos que evidenciem a necessidade de educação e de cultura financeira objetivando propiciar aposentadoria com rendimentos que proporcionem condições sociais de qualidade, outros modelos jurídicos, pesquisas em outras cidades, refinamentos das informações geradas na primeira pesquisa e possíveis variações em relação ao perfil do investidor potencial. / The objective of this work was to identify an investment option in special residential environments, better known in Brazil as institutions of long permanence, with legal format and corporate governance, which assures institutional perenniality and also a flexible financial-economic format that gives priority to the residents quality of life. The purpose of this study was subventioned by three aspects, which were proved at the end: a significant part of the population researched does not believe that the social security income will be enough for a living when they retire; people do not trust the current organizations concerning the offered care to its residents and special residential environments that guarantee quality of life are investment options to future beneficial owners. One factor closely related to the subject is the population pyramid change, characterized by an increase in population over 60 years of age. While the population below 40 years old must decrease 2% from 2008 to 2050, the group over 60 years old must increase 256%. Another determining aspect is the handicapped, who will need trustworthy organizations to when their family is not able to offer them appropriate care. National and international institutions with exclusive formats were analyzed and more than 1500 people were researched in São Paulo metropolitan area and surroundings. The results have culminated with the definition of the potential investor profile. This work can create some unfolding, such as studies that enhance the need of education and financial culture with the objective of providing retirement with interest that provide high-quality social conditions, other legal models, researches in other cities, refinement of the information generated on the first research and possible variations concerning the potential investor profile.

No description available.

Retirement is a significant life transition for many older adults, and historically most retirement planning focusses on financial planning. Not only is there far less importance placed on non-financial retirement planning, but also there is also little research on what planning priorities contribute to retirement satisfaction. This dissertation presents two studies conducted with the purpose of identifying these priorities. Study one involved one-on-one semi-structured interviews of 16 retired and non-retired individuals who were engaged in an endurance serious leisure sport. It revealed similarities and differences between pre-retired and retired participants as well as overall contradictions between participants’ perceived and practised retirement strategies. While a general lack of leisure retirement planning was observed, self-determination theory’s precepts of autonomy, competence, and relatedness fulfilment were predominant in the significance the endurance sport held for participants’ retirement plans and appeared to contribute significantly to retirement well-being. The second study was a sequential transformative mixed-method design of 50 retired individuals involving an online survey and focus group discussion and was founded on Self-Determination Theory (SDT) and Serious Leisure Perspective (SLP). Qualitative data were analysed using Constant Comparison Method, Word Count, and Classical Content Analysis. Quantitative methods were applied to determine if retirement satisfaction and vitality related to SDT constructs. Using multiple linear regression analyses, autonomy (β = .43; 95% CI .04 - .22; p = .01), leisure priority (β =.28; 95% CI -.01 - .33; p =.05), and casual leisure competence (β =.68; 95% CI .02 - .59; p =.04) emerged as items most related to retirement satisfaction, while relatedness (β .32; 95% CI .14 – 1.44; p = .02) and autonomy satisfaction (β =.27; 95% CI -.01 – 1.26; p =.05) were associated with vitality. / Graduate

Purpose: Retirement planning has been declining rapidly all over the world due to the shift of self-funding mechanisms, such as moving from a Defined Benefit (DB) plan to the Defined Contribution (DC) plan, where individuals are required to manage their own financial wealth. Due to this rapid shift, there has been an increase in demand for financial advisors to assist individuals with decision-making and explain complex financial concepts with the perception of guiding households to build their retirement wealth. The aim of the study is to examine the relationship between retirement planning and financial advice as a predictor for retirement adequacy to determine if the latter will have any influence in helping South Africans be financially independent when they retire. This study was compelled by the fact that no or limited prior studies have been conducted in the South African context on the relationship between financial advice and retirement planning. Design/methodology/approach: In order to investigate the relationship and influence of financial advice on retirement planning, a South African Social Attitudes Survey that was conducted in 2011 by the Human Sciences Research Council was used. The chi-square and the logistic regression statistical techniques were applied to test the study hypotheses using the data from the survey. The following hypotheses were included: H0: There is no relationship between retirement planning and financial advice. H1: There is a relationship between retirement planning and financial advice. H0: There is no relationship between socio-demographics and retirement planning. H2: There is a relationship between socio-demographics and retirement planning. H0: There is no relationship between socio-demographics and financial advice. H3: There is a relationship between socio-demographics and financial advice. Findings: The results indicate that there is a positive relationship between retirement planning and financial advice. The more individuals seek financial advice the more they tend to adequately plan for retirement. Practical implications: In view of the strong relationship between the two variables, employers, government and institutions should prioritize making financial advice an essential part of retirement planning for employees. / Mini Dissertation (MCom)--University of Pretoria, 2020. / Financial Management / MCom (Financial Management) / Unrestricted

No description available.