A Study of Applying the Reasoned Action Theory to Explore Investors Choose Retirement Planning

• Main Authors: Hsiang-wen Tai, 戴湘雯
• Other Authors: Chih-Peng Chu
• Format: Others
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/56316433756905693838

碩士 === 國立東華大學 === 企業管理學系 === 101 === Retirement pension became a hot topic nowadays. Subject to the WHO (World Health Organization), senile country is defined that more than 7% of country population with age over 65 years old. Taiwan has reached this criterion in 2005 as being one of senile countries. The Department of Manpower Planning of the Council for Economic Planning and Development of Executive Yuan estimated that Taiwan’s ageing index will be close to 100% in 2015 due to declining fertility and rapid ageing population in recent years. Furthermore, the older population was forecasted to gradually surpass childhood population, and the population ageing index will reach 441.8% in 2060, which implied older population will be four times of juvenile population (Hou Xiuwen, 2012). This study is based on the Theory of Reasoned Action with purposive sampling, and got total of 334 valid questionnaires which investigated relationships among risk perception, financial attitude, subjective norm, behavior intention and investment actual behavior of investors. As the advanced age tendency, the longevity is worth to take into assessment to see if it will be positively influence by the behavioral intention and financial behavior, this study hereby took the risk of longevity as an interfered variable into evaluation. The empirical results show that financial behavior will be positively influenced by financing attitude, subjective norm and intention of financial behavior. In contrast, the longevity and high involvement will be not positively affected by financial behavior.