An analysis on living arrangements and financial planning among elderly

• Main Authors: Ma,Yeong-Huey, 馬永蕙
• Other Authors: Peng, Chien-Wen
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/83311558950247388811

碩士 === 國立臺北大學 === 國際財務金融碩士在職專班 === 103 === The research is about how people should do for their retirement life. Population aging is quite a trend that is unavoidable. While facing the longevity risk, people should start to think and make the arrangement for the dwells, the lives and financial planning after retiring. In order to increase in life satisfaction through self-sufficiency, 1. Over 40% of respondents have started planning for retirement, and higher ratio of women agree about it than men. It has appeared significant gap between the differences in recognition of different disparity age. The proportion of re-employment for the respondents are up to 45.9%, which shows that even though demographic has changed and the proportion of working population is declining, there are still a large number of potential working population willing to extend their retirement age. I’ll recommend the government and enterprises start a human resources re-use policy, which can continue the career life and can also enhance the country’s competitiveness to achieve a win-win deal. 2. There are 49% of the responders are willing to live in private retirement centers. Although the ratio hasn’t got more than half yet, it still encourage the need in retirement centers market. While we will be facing the growing in the elderly at its peak in the following decades, we expect retirement center can become better and diverse. Therefore, it can meet the needs for any kind of people. 3. There are 54.7% of the responders have begun to raise the funds for their retirement, and there are only 29.5% of them believed that they have got it enough. About 70% of people yet to make up for the lack of their pension. As for those who haven’t begun to raise the retirement funds are about 45.3% and 65.4% of them might be facing the same situation.In fact, you can choose the bank that you trust, and input your savings invest in some kinds of mutual found to obtain interest compound effect, through regular doing, the long-term benefits could replace the retirement provision. At the same time, if the bank has the trust property system, you can transfer some savings to the trust account. According to the agreement by the bank, it will be respond in your life care and medical expenses payment.