理財認知、理財行為與退休理財規畫之研究—以中部地區民眾為例

本研究主要探討中部地區民眾不同「基本資料」、「理財認知」在「理財行為」與「退休理財規劃」上是否有差異。根據本研究結果，在「我已經開始進行退休理財計劃」的同意度，51歲以上大於31-40歲，研究所以上者大於大學含以下，已婚及其他大於未婚者，月收入8萬元以上大於8萬元以下者，因此建議31-40歲之青壯年、大學含以下者、未婚者、月收入8萬元以下者，亦應提早進行退休理財計劃。根據本研究結果，民眾退休準備主要來自股票、基金投資或退休金，目前選擇商業保險做為主要退休準備的比例並不高。由於商業保險有多種商品選擇，可用來作為退休財源規畫的適合險種，有壽險、還本險及年金險等商品。因此民眾可善用商業保險，依自己個人需求選擇適合的商品盡早投保，多累積自己的退休金，以彌補退休金的缺口。

關鍵字

退休理財規畫；理財行為；理財認知

並列摘要

This research mainly explores whether there is a difference between the "basic information" and "Financial Cognition" of the people in the central Taiwan in "Financial Behavior" and "Retirement Financial Plans". According to the results of this research, the degree of consent of "I have already started a retirement financial plan" shows that those aged 51 and above and older than 31-40 years old, and those who are above graduate school are more than those below college, and those who are married more than unmarried will earn 80,000 dollars a month. The above is more than 80,000 dollars or less, so it is recommended that young people aged 31-40, those under university, unmarried, and those with a monthly income of less than 80,000 dollars, should early implement retirement financial planning. According to this study, people’s retirement preparation mainly comes from stocks, fund investment or retirement funds, and it is not high of the current proportion of choosing commercial insurance as their main retirement preparation. Therefore, people can make good use of commercial insurance and choose suitable insurance products according to their personal needs to accumulate their own retirement funds.