한국가계의 은퇴준비에 관한 연구 - 중산층 가계의 주관적 은퇴준비 충분성을 중심으로

다국어 초록 (Multilingual Abstract)

  The subjective adequacy for retirement preparedness of pre-retired Korean households is explored in this study. Not controlling for other factors, various demographic, financial, and retirement-related variables significantly affected the subjective adequacy for retirement preparedness. Among those factors, the most important factors were period of employment, average monthly income, and total retirement needs of the households. Typically, those with longer period of employment, higher income, expectation of larger amount of retirement needs were more likely to be prepared for their retirement adequately. Controlling for other factors, age of householder, whether they have a debt or not, income, real estate asset, expected retirement age, whether they have a personal pension plans significantly affected the subjective retirement adequacy. Retirement planning variables such as expected retirement age and whether they have a personal pension plans had great influence on the adequacy and debt ownership and income level also had greate effect on the adequacy. Results of this study could provide practical implications for financial planners and private bankers in terms of retirement planning process.

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