รายงานการวิจัยเรื่อง ปัจจัยที่มีความสัมพันธ์กับการวางแผนการเงินเพื่อวัยเกษียณ กรณีคนไทยวัยทำงานที่พักอาศัยในเขตเมือง

Abstract

The purposes of this study are (1) to study factors that affect financial ptanning for retirement in terms of anticipated vaLues of assets in possession prior to retirement and sources of funds when retire, (2) to study factors retating to va[ues of current assets and types of assets that the samples have collected for retirement. The research results woutd be used as a guideline to encourage saving in Thai working-age (20 - 59 years-otd) urban residents. The samples of this study are 423 Thai working-age urban residents whose behaviors of financiaI ptanning for retirement are collected through questionnaires and t2 persons whose data collected with in-depth interview. lndependent sample t-test, One-way analysis of variance, Chi-square and Discriminant analysis are the statistics for hypothesis testing. Resu[ts show that the average value of assets prepared for retirement is 3.8 Miltion Baht, with the maximum value of 70.5 Million Baht and the minimum value of .004 Mil[ion Baht. Savings in Bank is the kind of assets most frequent[y chosen by the respondents for retirement financial pl.anning. The analysis of the relationship between the demographics and the anticipated values of assets when retire present that the average values of assets anticipated by the demographic of mate, persons whose income are above 70,000 Baht, business owners/freelances, state enterprise officers, and persons of at least undergraduate education are much higher than that anticipated by other demographics. The analysis of the relationship between the demographics and the anticipated sources of retirement funds indicates that most respondents suppose that their wealth, which has been collected during working period, is the most crucial source, foll.owing by provident fund, bequest, and sib[ings consecutively. The analysis of the relationship between the demographics and financial management for retirement denotes that most respondents are financialty prepared for their retirement. Older persons, persons with higher income, government officers and persons of higher education are the groups of persons who manage their assets much more proportiona[|.y than other groups. The analysis of the relationship between the demographics and the types of coltected assets show that the difference in every factor but gender results in different type of collected assets, while the difference in gender do not affect the type of assets coltected to accumulate their wealth.