| Summary: | 碩士 === 國立中正大學 === 勞工關係學系暨研究所 === 99 === The increasing senior-age, declining birth rate and poverty gap affect the population structure and family structure, these also make the senior-age population dependency ratio increase. The above factors will cause the pension and the household resources decline for senior-age population, these factors make more important to the personal retirement financial planning. The increasing senior-age and declining birth rate affect the population structure and family structure, these also make the senior-age population dependency ratio increase. The above factors will cause the pension and the household resources decline for senior-age population, these factors make more important to the personal retirement financial planning. This study uses sample analysis to class samples to three categories: retirement financial autonomy, dependence of retirement finances and partial independence of retirement finances. The conclusion is that it is hard to execute retirement financial planning if samples get the one of the following factor: raising children for old age viewpoint, the habit of improper expenditure and lower salary, but it has to own the following factors at least two factors to consist a successful retirement financial planning: depend on his/her self, the household of dual salary, extend their retirement time or they don’t want to retirement, old-age pension benefit of Labor Insurance Act or they don’t want to depend on their children.
The first step to execute retirement financial planning is (1) draw up the sum of retirement finances, and (2) calculate the assets how much you own now and the future salary. Subtract (2) from (1) and you may have the pension gap. The findings of the analysis are as follows to solve the pension gap are: extend retirement time, raising the ratio of deposit, the lower finances target, the retirement financial planning should execute as soon as possible, use the financial tools and mortgage et al.
For personal it is suggested that execute the retirement financial planning as soon as possible and learn about financial planning knowledge, in order to reduce the pressure of retirement financial planning. For government it is suggested that set the financial education to schools and each life steps can get the necessary knowledge and resources.
Keywords : retirement financial planning, the pension gap , retirement financial education
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