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生活科學硏究 第32輯.jpg
학술저널

투자성향지표로 측정한 한국 가계의 재무적 은퇴준비

The purpose of this study is to identify the relation between the propensity to invest and the retirement preparation of the Korean Households. Specifically, effects of three different investment asset ratios, including investment assets to total assets ratio, capital accumulation ratio(CAR), and investment asset to annual income ratio, were tested. We analyzed 823 individuals from the 2018 wave of Fund Investor Survey collected by the Korea Investors Protection Foundation. The main results of this study are as follows: First, the average value of the investment propensity indicator as the ratio of investment assets to total assets was 4.2%, and the median value was 0.46%, which was remarkably low compared to the guidelines of previous studies presented as 20-25%. Second, when an open-ended question was asked about what percentage of the average monthly cost of living required for retirement, the financial consumers judged their retirement preparation rate to be about 52.9%. Third, as a result of analyzing the factors affecting consumers' subjective judgment on the level of financial preparation for retirement, it was found that age, monthly income, and real estate assets all work in the positive direction. Among the investment propensity indicators, while the ratio of investment assets to total assets and the ratio of investment assets to annual income were significant, the influence of the ratio of investment assets to net assets (CAR) was not statistically significant. The results of this study suggest that when financial counseling and education experts analyze consumer portfolios, it is necessary to look at the investment propensity indicator focusing on the ratio of investment assets to total assets instead of the ratio of investment assets to net assets (CAR). Also, it shows that it is necessary to guide the ratio of investment assets to total assets to about 20%, the baseline suggested by the guidelines of previous studies, for satisfactory preparation for retirement.

Ⅰ. 서론

Ⅱ. 이론적 배경 및 선행연구 고찰

Ⅲ. 연구방법

Ⅳ. 연구 결과

Ⅴ. 결론 및 논의

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