Thesis (Ph. D.)--Ohio State University, 2007. / Title from first page of PDF file. Includes bibliographical references (p. 146-150).

Thesis (Ph.D.)--Murdoch University, 2004. / Thesis submitted to the Division of Arts. Bibliography: leaves 370-387.

Thesis (Ph.D.) - Carleton University, 2005. / Includes bibliographical references (p. 241-249). Also available in electronic format on the Internet.

Thesis (Ph.D.)--University of Melbourne, Faculty of Economics and Commerce, 2008. / Typescript. Includes bibliographical references (leaves 310-326)

Thesis (M.S.W.)--University of Hong Kong, 1994. / Includes bibliographical references (leaves 117-121).

Thesis (Ph. D.)--Virginia Polytechnic Institute and State University, 1994. / Vita. Abstract. Includes bibliographical references (leaves 77-82). Also available via the Internet.

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America's population is aging. People are living longer and medical advances continue to make that true. Many citizens count on social security as a major source of retirement income. Future retirees will find that there will be fewer workers to support them and unless the nation stops borrowing from the social security fund to finance the deficit, there will be less money for retirees. All of this means that it is important for individuals to save for retirement. Martin Fishbein developed the Behavioral Intention Model to explain various behaviors. According to the model, attitude and subjective norm explain the variation in the intention to behave a certain way and there is a high correlation between intention and behavior when using this model. Indirect measures of attitude and subjective norm increase understanding of these variables. The Fishbein model and an extended version of it, to which demographic variables were added, were tested in this study. Five hundred Virginia Tech classified employees received the mail survey instrument, which was based upon Dillman's specifications, in June 1988. A 74.6% response was received. The data were analyzed using descriptive statistics, correlations, t-tests, multiple regression, and path analysis. While the Fishbein model accounted for 22% of the variation in the intention to save for retirement, the extended model accounted for 40% of the variation. In addition to attitude, number of assets, having a dependent child between the ages of 5 ard 13, number of years expected to live after retirement, and age made significant contributions to the variation in the intention. It was concluded that the extended model is a better theoretical framework for explaining the intention to save for retirement. There were statistically and practically significant differences in the indirect measures of attitude and subjective norm for those who intended to save and those who did not. However it was apparent that neither group believed that saving now will assure than of financial security in retirement. Additional research is needed to further explore the variables which influence individual's intentions to save for retirement. / Ph. D.

This dissertation presents three essays on retirement and savings behaviour. It relies on secondary data from British national surveys to empirically address how workers prepare and adapt to the economic circumstances of later life. Chapter 1 analyses the effectiveness of providing workers with the opportunity to join workplace pension schemes to stimulate pension savings. It estimates the potential opt-in rate among employees who haven’t been offered a pension plan by an employer, had they been offered the opportunity to join a scheme. Governmental policies enforcing pension plan provision at every workplace could generate a major impact on aggregate participation rates. This potential success does not seem to be conditional on the existence of mechanisms imposed by law concerning the way workers are enrolled. Chapter 2 examines the effect of workplace pension schemes provision and participation on other individual financial savings, such as personal pension plans and financial assets. It exploits the variability in workplace pension scheme provision and membership induced by the employer’s payroll size as an identification strategy. No evidence is found that providing employees with access to workplace pension schemes would make them less likely to save through non-pension financial instruments. These results support the enforcement of the universal provision of workplace pension schemes as a national policy to improve financial preparation for retirement. Chapter 3 builds on the literature of the economic role of home production of goods and services at retirement. The literature usually restricts the explanation of retirees’ heterogeneous attitudes towards home production to gender differences or social norms related to couples’ division of labour. The present study provides novel evidence that non-cognitive skills in the form of personality traits explain the heterogeneous reallocation of time and consumption that occurs during a transition from the labour market to retirement.

Thesis (MComm)--Stellenbosch University, 2013. / In this thesis, based on historical data, a comparative study is conducted of various annuity strategies for South African males who retired during the 30 years from 1960 to 1989. To this end, the present values of the monthly cash ows provided by di erent annuity strategies are calculated and compared in order to ascertain which strategy would have provided the largest nancial bene ts. In contrast to previously held general beliefs, the calculations demonstrate that pure living annuity strategies are superior to composite annuity strategies, which in turn outperform switching annuity strategies, whereas pure life annuities yield the lowest return.