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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
1

The impact of retirement planning and education on retiree's UFE satisfaction

Prinsloo, Harold January 2009 (has links)
Employees who plan for retirement can contribute meaningfully towards building a sustained quality of life during retirement. The lack of pre-retirement planning and education, however, “weakens” an individual’s life satisfaction. The aim of this study was to explore and describe the impact retirement planning and education has on retiree’s UFE satisfaction and to determine overall individual quality of life. This research firstly discusses retirement, or the prospect of giving up work. The research study points to the fact that an overwhelming amount of research shows that retirement, as a social phenomenon cannot be understood except in the context of work, because the meaning of retirement is largely an outgrowth of the meaning of work. The study further suggests that the transition from work to retirement can be eased through planning. Beginning to plan for retirement several years before retirement is anticipated is helpful. The study points to quality of life as a multi-dimensional concept that refers to an individual’s overall life satisfaction and total well-being. The findings discussed in Chapter Five indicate a reasonable level of retirement planning and education amongst retiree’s who participated in the survey. Recommendations from the study indicated a need for individual counseling during retirement planning and education workshops.
2

A comparative study between the three phases of retirement with regard to the practical retirement planning process

Van Beek, Renette 05 1900 (has links)
Retirement is a matter that seems to be underestimated by the majority of South Africans; as a result, they underestimate planning financially for it. Three phases, namely pre-retirement, close-to-retirement and post-retirement, were identified for the purposes of this study, together with the five different steps in the practical retirement planning process that merge into three core areas. The Organisation for Economic Cooperation and Development’s (OECD’s) first international pilot study on financial literacy resulted in the South African Financial Services Board (FSB) performing a national baseline survey during 2011 to determine South Africans’ financial literacy levels. The questions selected from the national baseline survey dealing with some of the elements within the three core areas of the practical retirement planning process were statistically analysed for a comparison across the three retirement phases. Differences that could influence individuals’ ability and financial decisions when planning for retirement were found across the three retirement phases. / Financial Accounting / M. Acc. Sc.
3

The experiences and coping resources of retirees in a vehicle manufacturing company

Cain, Bridgette Unknown Date (has links)
Retirement has different meanings for different people. Retirement represents a significant transitional period in the life cycle of an individual. The aim of the study was to explore and describe the experiences and coping resources of retirees. The researcher applied an exploratory, descriptive research design employing the mixed methods of quantitative and qualitative research to gain an in-depth understanding of the phenomenon. A non-probability purposive sampling method was used to identify participants who retired from a specific vehicle manufacturing company in Port Elizabeth. Semi-structured interviewing techniques and a questionnaire called the Coping Resources Inventory were used for data collection. The rationale for using a mixed method approach was to increase the validity of the research findings. Descriptive statistics and the framework provided by Tesch (in Creswell, 2003) were used in data analysis of quantitative and qualitative data respectively. The results of the Coping Resources Inventory indicated that the participants perceived themselves as having an average level of coping resources. The results from the semi-structured interviews reflected that participants’ retirement experiences are mainly influenced by the following three factors: (a) economic resources, (b) social relationships and (c) personal resources. Recommendations were made for future research and intervention regarding retirement planning. The researcher included suggestions for the implementation of a retirement preparation programme. Lastly the limitations and the value of the study were outlined.
4

Retirement reforms laws : a comparative study between South Africa and Chile

Mamabolo, Michael Makebe January 2015 (has links)
Thesis (LLM.) -- University of Limpopo, 2015 / This mini-dissertation discusses the retirement reforms laws. It analysis the comparative study between South Africa and Chile. South Africa had undergone the retirement reforms processes since 1992 when Mouton Commission of Inquiry was established and in 2002. Since then lot of discussion papers were finalised which mooted retirement reforms ranging from retirement reforms and social security, a safer financial sector to serve South Africa better, strengthening retirement savings, costs of retirement benefits. Chile is a country which is already ahead in their retirement reforms processes. This study seeks to evaluate the lessons which South Africa can learn from Chile so that they can fast-track their retirement reforms and re-write the new Pension Funds Act which incorporate both public and private sectors.
5

Exploring FLOW in retirement

Nortjé, Aletia 02 1900 (has links)
This explorative study originated from the researcher’s personal encounters with “disappointment, regret and purposelessness” in retirement. The aim of this research study is thus exploring what the opposite of these negative sentiments, namely “successful” aging or "successful" adaptation to retirement could constitute and, most importantly, the role of FLOW therein. Initial indications are that FLOW could play a key role in “successful” retirement. Another focus has been to explore whether and how retirees with post-matric qualifications or training could redeploy their accumulated expertise in the post-retirement years. Various models of social entrepreneurship, ranging from voluntary work to paid work, were found to enhance successful adaptation to retirement, addressing society’s needs at the same time. In this qualitative research study, I have followed a case study approach, interviewing nine participants, whose results were analysed individually and then integrated in a comparative fashion to answer the research questions. / Psychology / M.A. (Psychology)
6

Exploring FLOW in retirement

Nortjé, Aletia 02 1900 (has links)
This explorative study originated from the researcher’s personal encounters with “disappointment, regret and purposelessness” in retirement. The aim of this research study is thus exploring what the opposite of these negative sentiments, namely “successful” aging or "successful" adaptation to retirement could constitute and, most importantly, the role of FLOW therein. Initial indications are that FLOW could play a key role in “successful” retirement. Another focus has been to explore whether and how retirees with post-matric qualifications or training could redeploy their accumulated expertise in the post-retirement years. Various models of social entrepreneurship, ranging from voluntary work to paid work, were found to enhance successful adaptation to retirement, addressing society’s needs at the same time. In this qualitative research study, I have followed a case study approach, interviewing nine participants, whose results were analysed individually and then integrated in a comparative fashion to answer the research questions. / Psychology / M.A. (Psychology)
7

Disability profiles and needs of disability grant recipients in Kleinmond, Western Cape, South Africa / Annette Freig.

Frieg, Annette 12 1900 (has links)
Thesis (MPhil (Rehabilitation))--University of Stellenbosch, 2000. / ENGLISH ABSTRACT: The South African National Census (1996) reports a disability prevalence of 6,6% in South Africa. In November 1999 the government paid out 635 881 temporary or permanent disability grants. Legislation is in place to allow the Department of Social Services to administer the grants. For this study demographic information of disability grant recipients in a semi-rural area was sought in order to improve understanding of disability and to assist in service delivery. The study was executed in Kleinmond, a coastal town in the Western Cape with a population of 3 918, where 189 people reported a disability during the 1996 census. Objective The objective of this study was to determine the disability profile, caregiver utilization and needs of disability grant recipients in Kleinmond, Western Cape, South Africa. METHODS A descriptive survey was the study design of choice. The study population consisted of recipients of a permanent disability grant who collected their grants at the Kleinmond Post Office in June 1999. In order to capture the necessary information, a questionnaire was developed based on the disability catalogue of the International Classification of Impairment, Disability and Handicap (ICIDH) of the World Health Organisation. Pilot studies were conducted and the researcher interviewed 29 grantees during the main study in Kleinmond in June/July 1999. Repeatability of the questionnaire was tested. Ninety six percent of the responses were the same on the second visit to four randomly selected grantees. Data was analysed with the statistical software package STATISTICA. RESULTS The response rate was 90% (29/32). The mean age of the mainly male grantees was 42 years (range: 18 - 64). Most grantees were single, but the majority stayed with someone else. Ninety three percent (27/29) were unemployed while 69% (20/29) felt they were able to work. Most grantees took regular medication and the majority accessed health services at the primary level local clinic. Twenty five grantees (86%or 25/29) reported multiple disabilities, while one person did not fit into any of the categories. The most common disability category was situational disability (82% or 24/29). Nineteen persons with disabilities (66% or 19/29) relied on help which was mainly given by the parents. Assistance was needed with activities such as collecting the disability grant, shopping and managing money. With regard to needs of grantees, most found it important to have the clinic closer to their homes (52% or 15/29), to increase the amount of the disability grant (76% or 22/29) and to raise awareness of disability in the community (69% or 20/29). CONCLUSION Most disability grant recipients in this study reported problems in many of the seven disability categories of the ICIDH, i.e. multiple disabilities. This is consistent with the assumption that only severely disabled people qualify for a permanent disability grant in South Africa. This might explain why the majority of the grantees utilized a caregiver for some tasks. Needs with regard to health and social services of this defined group of persons with disabilities in Kleinmond will be brought to the attention of the authorities, who are planning a new community centre and clinic. / AFRIKAANSE OPSOMMING: Volgens die Nasionale Sensus opname van 1996 is die prevalensie van ongeskiktheid in Suid- Afrika 6.6%. Bevindinge dui aan dat 635881 individue 'n ongskiktheidstoelaag ontvang. Hierdie toelae word volgens wetgewing deur die Departement van Maatskaplike Dienste ge-administreer. In hierdie studie is demografiese inligting van individue wat 'n ongeskiktheidstoelaag ontvang ingesamel in 'n poging om insig in gestremdheid en dienslewering aan gestremdes te verbeter. Die studiepopulasie het bestaan uit individue wat 'n ongeskiktheidstoelaag in die Wes-Kaapse kusdorp Kleinmond ontvang. Kleinmond het 'n populasie van 3 918 waarvan 189 individue ongeskik is volgens die 1996 sensus. DOEL Die doel van die studie was om 'n ongesiktheidsprofiel van individue in Kleinmond te bepaal, asook te evalueer of hulle versorgers benodig het en om hulle behoeftes te bepaal. METODOLOGIE Daar is gebruik gemaak van 'n beskrywende studie. Die studiepopulasie het bestaan uit aile individue woonagtig in Kleinmond wat 'n permanente ongeskiktheidstoelaag ontvang het en dit by die poskantoor afgehaal het. Data is deur middel van 'n vraelys ingesamel. Die vraelys is gebaseer op die ongeskiktheids katalogus van die Internasionale Klassifikasie van Gebrek, Ongeskiktheid en Gestremdheid (ICIDH) van die Wereld Gesondheidsorganisasie. Die vraelys is getoets deur middel van loodsstudies. Die betroubaarheid van die vraelys is ook getoets deur tydens die navorsing dieselfde vrae tydens 'n tweede besoek aan vier kandidate te stel. Hierdie vier individue is ewekansig geselekteer en 96% van die response het ooreen gestem met die van die eerste besoek. Data is verkry van 29 individue gedurende Junie/Julie 1999. Data analise is met behulp van STATISTICA, 'n statistiese sagteware pakket, gedoen.RESULTATE Die responskoers was 90% (29/32). Die meerderheid van die studiepopulasie was manlik met 'n gemiddelde ouderdom van 42 jaar (rykwydte: 18 - 64). Individue was meerendeels ongetroud en het wonings met ander persone gedeel. Uit die studiepopulasie was 93% (27/29) individue werkloos. Van hierdie groep het 69% (20/29) egter gevoel dat hulle wei een of ander vorm van arbeid kan verrig. Bykans aile individue uit die studiepopulasie het gereeld medikasie gebruik. Die plaaslike prirnere gesondheids kliniek is deur die meeste individue benut vir gesondheidssorg. Meeste individue (86% of 25/29) het meer as een ongeskiktheid gehad en een persoon het nie in enige van die kateqoriee ingepas nie. Die ongeskiktheid wat die mees algemeenste voorgekom het was situasie-gebonde ongeskiktheid (82% of 24/29). Hulp is hoofsaaklik deur ouers verskaf en 66% individue (19/29) het van hulp gebruik gemaak. Hierdie hulp was meestal nodig met aktiwiteite soos die afhaal van die ongeskiktheidtoelaag, die doen van inkopies en die bestuur van persoonlike finansies. Die studiepopulasie het 3 groot behoeftes uitgespreek naamlik 'n kliniek nader aan hulle wonings (52% of 15/29), 'n verhoging in die ongeskiktheidstoelaag (76% of 22/29) en .n groter bewustheid van ongeskiktheid in die gemeenskap (69% of 20/29). Samevatting Baie van die individue uit die studiepopulasie het ongeskikthede in meer as een van die ongeskiktheidskategoriee aangedui. Hierdie bevinding is in ooreenstemming met die aanname dat in Suid-Afrika slegs individue met erge ongeskiktheid n ongeskiktheidstoelaag ontvang. Dit kan moontlik ook verklaar waarom die meerderheid van die populasie versorgers benodig het vir die uitvoer van sekere take. Die behoeftes van hierdie studiepopulasie sal onder die aandag van die plaaslike owerheid, wat tans besig is met die beplanning van 'n nuwe gemeensskapssentrum en kliniek, gebring word.
8

A financial planning model for retirement, taking into account the impact of pre-retirement funding income, age and taxation

Barnes, Andrew January 2006 (has links)
Individuals are often not aware of the required level of contributions needed to fund a retirement savings plan. This problem is compounded by the fact that the assistance provided to these individuals by way of commercially-available retirement planning models does not take into account the effect of income tax on the level of required retirement savings contributions and recent changes in the tax legislation to the income tax payable by individuals has had a significant effect on these required levels. As a preamble to the research process, an exploratory questionnaire was administrated to a sample of individuals, which was designed to measure the level of awareness of these individuals of the contributions to a retirement savings plan needed to fund their postretirement financial needs, and of the impact of age, the level of income and income tax on their contributions. Responses to the questionnaire indicated a low level of awareness of retirement planning amongst these individuals. A retirement planning model was then designed to test the effect of earnings, age and changes in tax legislation on the level of an individual's required monthly contributions to a retirement savings plan. Independent variables of age and income were processed using the model. These same variables were then processed using the Old Mutual and Liberty Life retirement planning models and a comparison was made between the model developed in the research and these commercially developed models, to assess their usefulness and limitations. Based on the above comparison, it appeared that the Old Mutual and Liberty Life retirement models both included the effects of the individual marginal tax rates in their calculations. However, they appeared to be using marginal tax rates which were higher than those reflected in the 2006 individual income tax tables. In addition these models did not include the effect of income tax exemptions and deductions and they therefore provided more conservative estimates than the retirement planning model designed in the research. Recent tax adjustments have had the effect of greatly increasing the after-tax income of individuals and therefore it is important to include the effects of changes in tax legislation in determining the monthly contributions to a retirement savings plan.
9

Guidelines for a psycho-educational programme to enhance self-actualisation of retired people

Kerr, Pamela Pearl 11 1900 (has links)
The aim of this research is to develop guidelines for a psycho-educational programme to enhance the self-actualisation of retired people. To do this, an investigation was undertaken to determine how to enhance self-actualisation during retirement, through an understanding of the: • phenomenon of retirement; • concept of self-actualisation; • challenges that hamper adjustment and self-actualisation during retirement; • factors which assist retirees in overcoming challenges and achieving self-actualisation; and • the role of psycho-educational programmes in enhancing self-actualisation during retirement. The literature study sought to promote such an understanding through the investigation of writings and research findings. The qualitative investigation attempted to provide a contextual understanding of the above, through an exploration of the retirement experiences of a selected group of retirees living in George (and surrounding area), South Africa. The findings served as the basis for guidelines for a psycho-educational programme to enhance the self-actualisation of retired people. / Psychology of Education / M.Ed. (Guidance and Counselling)
10

Guidelines for a psycho-educational programme to enhance self-actualisation of retired people

Kerr, Pamela Pearl 11 1900 (has links)
The aim of this research is to develop guidelines for a psycho-educational programme to enhance the self-actualisation of retired people. To do this, an investigation was undertaken to determine how to enhance self-actualisation during retirement, through an understanding of the: • phenomenon of retirement; • concept of self-actualisation; • challenges that hamper adjustment and self-actualisation during retirement; • factors which assist retirees in overcoming challenges and achieving self-actualisation; and • the role of psycho-educational programmes in enhancing self-actualisation during retirement. The literature study sought to promote such an understanding through the investigation of writings and research findings. The qualitative investigation attempted to provide a contextual understanding of the above, through an exploration of the retirement experiences of a selected group of retirees living in George (and surrounding area), South Africa. The findings served as the basis for guidelines for a psycho-educational programme to enhance the self-actualisation of retired people. / Psychology of Education / M.Ed. (Guidance and Counselling)

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