Effects of risk tolerance, financial literacy, and financial status on retirement planning
In this study, we investigate the effects of retirement planning on the economic and psychological factors of consumers using a large sample drawn from the 2012 National Longitudinal Survey of Youth. Specifically, we examine the combined impact of risk tolerance, financial literacy, savings, income,...
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Published in | Journal of financial services marketing Vol. 27; no. 3; pp. 167 - 176 |
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Main Authors | , |
Format | Journal Article |
Language | English |
Published |
London
Palgrave Macmillan UK
01.09.2022
Palgrave Macmillan |
Subjects | |
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Abstract | In this study, we investigate the effects of retirement planning on the economic and psychological factors of consumers using a large sample drawn from the 2012 National Longitudinal Survey of Youth. Specifically, we examine the combined impact of risk tolerance, financial literacy, savings, income, and debt on consumers’ retirement planning behavior. Risk tolerance, financial literacy, income, and savings are all found to have positive relationships with retirement planning, though debt has no significant relationship with retirement planning. Also, higher levels of risk tolerance weaken the relationship between savings and retirement planning. Implications of these findings for the literature and the financial planning industry are provided as well as directions for future research. |
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AbstractList | In this study, we investigate the effects of retirement planning on the economic and psychological factors of consumers using a large sample drawn from the 2012 National Longitudinal Survey of Youth. Specifically, we examine the combined impact of risk tolerance, financial literacy, savings, income, and debt on consumers’ retirement planning behavior. Risk tolerance, financial literacy, income, and savings are all found to have positive relationships with retirement planning, though debt has no significant relationship with retirement planning. Also, higher levels of risk tolerance weaken the relationship between savings and retirement planning. Implications of these findings for the literature and the financial planning industry are provided as well as directions for future research. |
Author | Martin, William Park, Heejung |
Author_xml | – sequence: 1 givenname: Heejung surname: Park fullname: Park, Heejung email: hepark@nmu.edu organization: Department of Marketing, Northern Michigan University – sequence: 2 givenname: William surname: Martin fullname: Martin, William organization: Department of Marketing and Finance, Eastern Washington University |
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Keywords | Risk tolerance Attribution theory Financial decision-making Retirement planning |
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SubjectTerms | Attribution theory Consumer behavior Consumers Decision making Economics Economics and Finance Finance Financial literacy Financial planning Financial Services Marketing Original Article Purchase intention Retirement planning Retirement plans Variables |
Title | Effects of risk tolerance, financial literacy, and financial status on retirement planning |
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