投資理財退休規劃之實證分析

本研究主要採用田野實地調查大台北區氏營企業員工，試圖了解本國居民對自己退休金準備情形。實證分析上，利用統計科學方法之卡方檢定(χ^2-test)、單因子變異數分析(Analysis of Variance)、成對樣本t-test，找出本國居民對金融商品認知之顯著變數。研究發現一般民眾對股票、債券、儲蓄、保險、基金、樣會理財工具了解有顯著差異，對理財工兵使用上為基金。隨著職業不同，增加對衍生性金融商品和房地產了解程度有顯著差異，理財工具使用對儲蓄、基金、衍生性金融商品、房地產有顯著差異。教育程度不同，對債券、儲蓄、基金、衍生性金融商品理財工具了解程度有顯著差異，理財工具使用對基金、房地產有顯著差異。已婚者，對理財工具了解程度有顯著性差異的有股票、債券與房地產，對理財工具使用偏好有顯著差異有債券。有子女者對債券、基金、衍生性金融商品、房地產了解程度有顯著差異，對理財工具使用偏好有顯著差異有債券。考慮薪資收入，對債券、基金、衍生性金融商品與房地產理財工具了解程度有顯著差異，封建財工具使用偏好有顯著差異有儲蓄與基金、衍生性金融商品。風險承受度與退休理財工具的了解程度，在股票、債券、房地產等了解是里沒有顯著差異，退休理財工具使用偏好，衍生性金融商品、跟會等有顯著差異。

關鍵字

投資理財；變異數分析；衍生性金融商品

並列摘要

This paper primarily uses statistical methods to investigate on the spot large Taipei districts the people seek enterprise staff Attempt to know own country resident the situation that the retired pay is prepared. In its empirical analysis, uses χ^2-test, analysis of variance and t-test, find out the primary variables for financial goods. Findings, the primary variables for people know and manage money matters the tool are to the stock, bond, savings, insurance, find and assembled money. Use and manage money matters the tool is fund. Jobs are different the primary variables increase Yan's natural disposition financial goods and real estate. Manage money matters the tool is to the savings, fund, Yan's natural disposition financial goods and real estate. Education degree is different the primary variables is bond, savings, fund and Yan's natural disposition financial goods. Manage money matters the tool is to the fund and real estate. Married, know and manage money matters the tool are to the stock, bond and real estate, use and manage money matters the tool is bond. The person who has children, the primary variables is bond, fund, Yan's natural disposition financial goods and real estate, manage money matters the tool is to the bond. Consider wages income, the primary variables is bond, fund, Yan's natural disposition financial goods and real estate, the tool is used and had a partiality for to manage money matters is savings, find and Yan's natural disposition financial goods. Risk is born and spent know and manage money matters the tool are to the stock, bond and real estate, retirement manages money matters the tool is used and had a partiality for Yan's natural disposition financial goods and assembled money.