To retire or not to retire – a study of issues behind retirement confidence.

• Main Authors: Shan-Mi Hsu, 許珊蜜
• Other Authors: Jerry C.Y. Miao
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/61031921119077384753

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 98 === Due to the low birth rate and aging population which changed the structure of labor force in every country, coupled with the impact of global economic downturn, people feel less optimistic about their life after retirement as well as the care they can receive in the old age. In view of the growing concern about this phenomenon, this research draws on the term, retirement confidence, very familiar to many people, bases its arguments on the retirement confidence surveys undertaken by American employee welfare institutions, and also includes relevant investigations carried out in France, Taiwan and Hong Kong, to review the collected literature and analyze the acquired data. After a close comparison between the secondary data available from various official research centers and the statistics that indicate the current situation in Taiwan, I found that the factors that would affect people’s retirement confidence include both the subjective one, their personal views of life and the objective one, their living conditions. Some people, due to their career planning, want to retire at a relatively young age so that they can have more leeway to schedule their life after retirement. However, others, due to the heavy financial burden they bear, are forced to delay their retirement. Other factors which directly or indirectly contribute to people’s retirement confidence include different financial planning, economic and living conditions, the changes of their social statuses after the retirement, and the options of pension schemes. All the common factors can be assigned into four categories: the factor of financial security, the factor of one’s psychology, the factor of different social systems and commercial insurances, and the factor of different family lives. This research is aimed to grasp the factors responsible for the retirement confidence of people in Taiwan. Furthermore, grounded on the understanding the research arrives at, I will also try to find specific research methods as well as draft samples of questionnaires suitable for the relevant surveys undertaken in Taiwan. The outcome of the research can be used as a reference for future surveys on the retirement confidence in Taiwan. It is also recommendable that this kind of survey be carried out continually every season or every year. The accurate data which can be amassed from the statistics these surveys can provide can become important information when retirement systems are to be designed and polices are to be developed in Taiwan. They will also be useful for governmental organizations, academic institutions and relevant industries which will conduct this kind of surveys in the future.