Vol.6 No.3 (March 2016)
Positive Effects and Influence Factors of Retirement Planning
Retirement planning can alleviate the pressure of the public resources which is result of the growth of retired population, and has positive effects on retired workers, but it doesn’t cause enough attention. Therefore, in order to appeal the attention of policymakers and retired workers to help retired workers make retirement plans, this article analyzed and summarized on the positive effects and influence factors of retirement planning. The results showed that, retirement planning had positive effects on life satisfaction, mental health, retirement confidence, retirement adaptation. We also found that the main influence factors of retirement planning included: age, gender, family member, financial situation, education in demographic variable; control point, future time perspective, retirement confidence, attitude towards retirement, retired expectations in psychological variable; and the pension security system, whether voluntary retirement.
刘泓利 , 方远华 , 余 林 (2016) 退休规划的积极影响及影响因素。 心理学进展， 6， 299-304. doi: 10.12677/AP.2016.63039
 国家统计局(2014). 2014年国民经济和社会发展统计公报.
Atchley, R. C. (1976). Selected Social and Psychological Differences between Men and Women in Later Life. Journal of Gerontology, 31, 204-211.
 Bock, G.-W., Zmud, R. W., Kim, Y.-G., & Lee, J.-N. (2005). Beha-vioral Intention Formation in Knowledge Sharing: Examining the Roles of Extrinsic Motivators, Social-Psychological Forces, and Organizational Climate. MIS Quarterly, 87- 111.
 Davis, G. D. (2007). From Worker to Retiree: A Validation Study of a Psychological Retirement Planning Measure. Bowling Green State University.
Ekerdt, D. J., Kosloski, K., & De Viney, S. (2000). The Normative Anticipation of Retirement by Older Workers. Research on Aging, 22, 3-22.
Elder, H. W., & Rudolph, P. M. (1999). Does Retirement Planning Affect the Level of Retirement Satisfaction? Financial Services Review, 8, 117-127.
Fretz, B. R., Kluge, N. A., Ossana, S. M., Jones, S. M., & Merikangas, M. W. (1989). Intervention Targets for Reducing Preretirement Anxiety and Depression. Journal of Counseling Psychology, 36, 301-307.
Glass Jr., J. C., & Kilpatrick, B. B. (1998). Gender Comparisons of Baby Boomers and Financial Preparation for Retirement. Educational Gerontology: An International Quarterly, 24, 719-745.
Hershey, D. A., & Mowen, J. C. (2000). Psychological Determinants of Financial Preparedness for Retirement. The Gerontologist, 40, 687-697.
Hershey, D. A., Jacobs-Lawson, J. M., & Neukam, K. A. (2002). In-fluences of Age and Gender on Workers’ Goals for Retirement. The International Journal of Aging and Human Develop-ment, 55, 163-179.
Hershey, D. A., Jacobs-Lawson, J. M., McArdle, J. J., & Hamagami, F. (2007). Psychological Foundations of Financial Planning for Retirement. Journal of Adult Development, 14, 26-36.
 Iams, H., Butrica, B. A., Smith, K. E., & Toder, E. J. (2009). The Disappearing Defined Benefit Pension and Its Potential Impact on the Retirement Incomes of Baby Boomers. Social Security Bulletin, 69, 1-28.
 Irving, K. (2012). The Financial Life Well-Lived: Psychological Benefits of Financial Planning (Vol. 6).
 Jacobs-Lawson, J. M., & Hershey, D. A. (2005). Influence of Future Time Perspective, Financial Knowledge, and Financial Risk Tolerance on Retirement Saving Behaviors. Financial Services Review-Greenwich, 14, 331.
 Joo, S. H., & Pauwels, V. W. (2002). Factors Affecting Workers’ Retirement Confidence: A Gender Perspective. Social Science Electronic Publishing, 13.
Joo, S.-H., & Grable, J. E. (2001). Factors Associated with Seeking and Using Professional Retirement-Planning Help. Family and Consumer Sciences Research Journal, 30, 37-63.
Kemp, C. L., Rosenthal, C. J., & Denton, M. (2005). Financial Planning for Later Life: Subjective Understandings of Catalysts and Constraints. Journal of Aging Studies, 19, 273-290.
 Kim, J., & Moen, P. (2001). Is Retirement Good or Bad for Subjective Well-Being?
 Kim, J., Kwon, J., & Anderson, E. A. (2005). Factors Related to Retirement Confidence: Retirement Preparation and Workplace Financial Education. Financial Counseling and Planning, 16, 77-89.
Kim, S., & Feldman, D. C. (2000). Working in Retirement: The Antecedents of Bridge Employment and Its Consequences for Quality of Life in Retirement. Academy of Management Journal, 43, 1195-1210.
Lee, W. K. M. (2003). Women and Retirement Planning: Towards the “Feminization of Poverty” in an Aging Hong Kong. Journal of Women & Aging, 15, 31-53.
Lee, W. K. M., & Law, K. W.-K. (2004). Retirement Planning and Retirement Satisfaction: The Need for a National Retirement Program and Policy in Hong Kong. Journal of Applied Gerontology, 23, 212-233.
Lusardi, A., & Mitchell, O. S. (2005). Financial Literacy and Planning: Implications for Retirement Wellbeing. Michigan Retirement Research Center Research Paper No. WP 2005-108.
Lusardi, A., & Mitchell, O. S. (2007). Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel. Michigan Retirement Research Center Research Paper No. WP 2007-157.
 McKenna, J., & Nickols, S. Y. (1986). Retirement Planning Strategies for Midlife Women. Journal of Home Economics, 78, 34-37.
Moen, P., Huang, Q., Plassmann, V., & Dentinger, E. (2006). Deciding the Future Do Dual-Earner Couples Plan Together for Retirement? American Behavioral Scientist, 49, 1422-1443.
Moen, P., Sweet, S., & Swisher, R. (2005). Embedded Career Clocks: The Case of Retirement Planning. Advances in Life Course Research, 9, 237-265.
Muratore, A. M., & Earl, J. K. (2010). Predicting Retirement Preparation through the Design of a New Measure. Australian Psychologist, 45, 98-111.
Noone, J. H., Stephens, C., & Alpass, F. M. (2009). Preretire-ment Planning and Well-Being in Later Life a Prospective Study. Research on Aging, 31, 295-317.
Noone, J., O’Loughlin, K., & Kendig, H. (2013). Australian Baby Boomers Retiring “Early”: Understanding the Benefits of Retirement Preparation for Involuntary and Voluntary Retirees. Journal of Aging Studies, 27, 207-217.
 Olsberg, D. (2005). Women, Superannuation and Retirement: Grim Prospects despite Policy Changes. Just Policy: A Journal of Australian Social Policy, No. 35, 31-38.
 Panis, C. W. (2003). Annuities and Retirement. RAND Working Paper, 03-17.
Petkoska, J., & Earl, J. K. (2009). Understanding the Influence of Demographic and Psychological Variables on Retirement Planning. Psychology and Aging, 24, 245-251.
Phua, V., & McNally, J. W. (2008). Men Planning for Retirement Changing Meanings of Preretirement Planning. Journal of Applied Gerontology, 27, 588-608.
Reitzes, D. C., & Mutran, E. J. (2004). The Transition to Retire-ment: Stages and Factors That Influence Retirement Adjustment. The International Journal of Aging and Human Devel-opment, 59, 63-84.
 Schellenberg, G., Turcotte, M., & Ram, B. (2005). Prepar-ing for Retirement: Canadian Social Trends. Statistics Canada-Catalogue (11-008).
 Skinner, E. A. (1997). Planning and Perceived Control. In S. Friedman, & E. Scholnick (Eds.), The Developmental Psychology of Planning: Why, How, and When Do We Plan (pp. 263-284). Mahwah, NJ: Lawrence Erlbaum.
 Taylor, M. A., & Geldhauser, H. A. (2007). Low-Income Older Workers. In K. S. Shultz, & G. A. Adams (Eds.), Aging and Work in the 21st Century (pp. 25-50). New York: Psychology Press.
Topa, G., Moriano, J. A., Depolo, M., Alcover, C.-M., & Morales, J. F. (2009). Antecedents and Consequences of Retirement Planning and Decision-Making: A Meta-Analysis and Model. Journal of Vocational Behavior, 75, 38-55.
Wong, J. Y., & Earl, J. K. (2009). Towards an Integrated Model of Individual, Psychosocial, and Organizational Predictors of Retirement Adjustment. Journal of Vocational Behavior, 75, 1-13.
Yeung, D. (2013). Is Pre-Retirement Planning Always Good? An Exploratory Study of Retirement Adjustment among Hong Kong Chinese Retirees. Aging & Mental Health, 17, 386-393.
 Zhu-Sams, D. (2004). Will Pre-Retirement Planning Affect Post-Retirement Experience. Western Family Economics Associations, 19, 51-57.