退休理財規劃對生活滿意度之影響

The Effects of Retirement Planning on Life Satisfaction

余夙珍(Su-Chen Yu)

指導教授 ： 謝介仁

長榮大學/管理學院/高階管理碩士在職專班(EMBA)/碩士(2012年)

https://doi.org/10.6833/CJCU.2012.00178

摘要

摘要
本研究主要以投資理財的觀點來探討退休規劃對生活滿意度的影響之研究，此外也針對退休規劃與投資理財交互作用後對生活滿意度影響情況加以探究。本研究以年滿50歲以上之退休者為問卷發放對象為施測對象，以問卷方式收集資料，共回收有效問卷623份。
研究結果顯示：(1) 退休規劃對生活滿意度成顯著正向影響的假設部分成立；(2) 投資理財對退休規劃成顯著正向影響的假設部分成立；(3) 投資理財對生活滿意度成顯著正向影響的假設部分成立；(4) 投資理財對退休規劃影響生活滿意度有顯著干擾效果的假設部分成立。
研究結論與建議(1)退休規劃對生活滿意度成顯著正向影響。建議應審慎評估自己目前的退休制度與公司退休規範的脈絡，提早自行規劃退休生活，使自己在面臨退休階段時保有自主性，並於退休後有較佳的生活品質。(2)投資理財與退休規劃成顯著正向影響。因此應趁年輕提早訂下目標，運用投資理財找到對的方法及適合自己的理財工具做好退休規劃。(3)投資理財與生活滿意度成顯著正向影響。因此，在退休之前，做好投資理財規劃，將來一旦退休，則可幫助你更能應付老年生活的各類開銷，給退休者在財務上更輕鬆的夕陽時光，更提升退休者的生活滿意度。
最後，本研究希望藉此研究之結果，能提供退休者在退休規劃與投資理財建議及參考。

關鍵字

退休規劃 ； 投資理財 ； 生活滿意度

並列摘要

Abstract
This study aims to explore the effects of retirement planning on life satisfaction from the perspective of financial investment. In addition, the effects on life satisfaction after the interaction between retirement planning and financial investment are also investigated. The research data are collected by questionnaires which are given to the objects of this study, the retirees of 50 years and above, and a total of 623 valid questionnaires are received.
The results show: (1) The assumption of which retirement planning has a significantly positive influence on life satisfaction partly holds; (2) the assumption of which financial investment has a significantly positive influence on retirement planning partly holds; (3) the assumption of which financial investment has a significantly positive influence on life satisfaction partly holds); (4) the assumption of which financial investment has a significantly moderating effect on retirement planning that influences life satisfaction partly holds.
Research conclusions and suggestions are as follows: (1) Retirement planning has a significantly positive impact on life satisfaction. It is suggested that one should start the retirement planning earlier by carefully evaluating the current retirement system and the context of company retirement norms in order to remain independent while facing the retirement, and have a better quality of life afterwards; (2) Financial investment has a significantly positive impact on retirement planning. Therefore, it is suggested that one should set a goal as early as possible and then take advantage of financial investment to find a proper method and a suitable financial tool for the retirement planning; (3) Financial investment has a significantly positive impact on life satisfaction. Hence, it is suggested that before the retirement, one should make a good financial investment which would greatly help the one to afford the living expenses once retired and increase the life satisfaction.
Finally, it is hoped that the results of this study could provide
the reference of retirement planning and financial investment for retirees.

Keywords: retirement planning, financial investment, life satisfaction

並列關鍵字

retirement planning ； financial investmentlife ； life satisfaction

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