| Summary: | 碩士 === 佛光大學 === 應用經濟學系 === 107 === In order to explore the influence in financial cognition and financial management of different background variables after annuity reform, and to analyze the impact of financial awareness such as financial management behavior and lifestyle on retirement financial planning after the annuity reform. This study uses a questionnaire survey method with extensive urban-rural differences. The total number of teachers in the new Taipei City in Taiwan is the scope of the survey. A total of 500 surveys were conducted, and a total of 424 valid questionnaires were collected, so the recovery rate of the valid questionnaires was 84.8%. The results of the questionnaire are analyzed as below:
First, the analysis shows that the elementary school teachers whose "risk ideas" tend to positive and focus on the "higher interest in financial management", those whom prefer to use active financial tools. Second, the more diverse of their financial setting goals to those elementary school teachers, and the more diversified to those whom will use active financial management tools. Thats why even after the annuity reform, and those elementary school teachers can still achieve their financial setting goals by changing the types or distribution of the original investment tools.
Third, the lifestyle of the elementary school teachers which focus on “taste life type” and “Healthy fitness type”, then as the result they account for “investment financial management to the monthly salary percentage” tends to significant positive impact. Otherwise the lifestyle of the elementary school teachers tends to “family center of gravity”, then who has a negative impact on “whether changing investment of financial management tools or not.”
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