東華大學圖書館 |

Language: English

Help

回圖書館首頁

手機版館藏查詢

Back

Switch To: Labeled | MARC Mode | ISBD

The relationship between self -effic...

Oliver, Diana L.,

Linked to FindBook

Google Book

Amazon

博客來

The relationship between self -efficacy and retirement savings practices /

Record Type:	Electronic resources : Monograph/item
Title/Author:	The relationship between self -efficacy and retirement savings practices // Diana L Oliver.
Author:	Oliver, Diana L.,
Description:	1 electronic resource (71 pages)
Notes:	Source: Dissertations Abstracts International, Volume: 68-03, Section: B.
Contained By:	Dissertations Abstracts International68-03B.
Subject:	Behavioral psychology. -
Online resource:	https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3214028
ISBN:	9780542648564

The relationship between self -efficacy and retirement savings practices /
Oliver, Diana L.,

The relationship between self -efficacy and retirement savings practices /Diana L Oliver. - 1 electronic resource (71 pages)

Source: Dissertations Abstracts International, Volume: 68-03, Section: B.

Over the last two decades, there has been a shift in how Americans save for retirement. Since 1974, many employers have changed their retirement plans from defined benefits retirement program that are managed by the employer to defined contribution programs that shift the responsibility of saving for retirement to the individual employee. The main question that arises with this shift from corporate responsibility for retirement planning and management to individual responsibility concerns the ability and willingness of the average employee to take on this very important task. Research conducted over the last 10 years suggests that many employees are not adequately prepared or motivated to take on this responsibility. This study reports on the development of the Retirement Saving Self-efficacy Inventory (RSSEI), a measure designed to assess an individual's perceived self-efficacy to plan, save and invest for retirement. The 28-item scale was designed for use with working adults whose employer's retirement plan places the largest responsible for planning, saving, and investing for retirement on the individual employee. A factor analysis of the RSSEI found four factors, Creating a Savings and Investing Plan, Maintaining a Savings and Investing Plan, Building and Managing a Retirement Account, and Increasing Savings and Investing Opportunities. The findings also support the hypothesis that there is an overall direct relationship between self-efficacy beliefs concerning planning, saving, and investing for retirement and reported savings behaviors as measured by the Retirement Saving Behavioral Inventory (RSBI), and that these findings provide support for the validity of the RSSEI. Additional findings indicate that females, African Americans and Hispanics score significantly lower on two of the four self-efficacy factors, Building and Managing a Retirement Account and Increasing Savings and Investing Opportunities. And finally, this study examined the extent to which inverse relationships between self-efficacy beliefs and reported retirement savings behaviors (i.e., high self-efficacy and low savings) occurred, and it evaluated the demographic make up of those subgroups that reported these inverse relationships. The findings indicate that the largest percent of respondents reporting these inverse relationships were married, white, non-Hispanic females who make less the $60,000 year.

English

ISBN: 9780542648564Subjects--Topical Terms:

2122788
Behavioral psychology.
Subjects--Index Terms:

Investments

The relationship between self -efficacy and retirement savings practices /
LDR:03736nmm a22003973i 4500 001 2428475
005 20250410083508.5
006 m o d
007 cr|nu||||||||
008 261011s2006 miu||||||m |||||||eng d
020 $a 9780542648564
035 $a (MiAaPQD)AAI3214028
035 $a AAI3214028
040 $a MiAaPQD $b eng $c MiAaPQD $e rda
100 1 $a Oliver, Diana L., $e author. $3 3815713
245 1 0 $a The relationship between self -efficacy and retirement savings practices / $c Diana L Oliver.
264 1 $a Ann Arbor : $b ProQuest Dissertations & Theses, $c 2006
300 $a 1 electronic resource (71 pages)
336 $a text $b txt $2 rdacontent
337 $a computer $b c $2 rdamedia
338 $a online resource $b cr $2 rdacarrier
500 $a Source: Dissertations Abstracts International, Volume: 68-03, Section: B.
500 $a Publisher info.: Dissertation/Thesis.
500 $a Advisors: Dwyer, William O.
502 $b Ph.D. $c The University of Memphis $d 2006.
520 $a Over the last two decades, there has been a shift in how Americans save for retirement. Since 1974, many employers have changed their retirement plans from defined benefits retirement program that are managed by the employer to defined contribution programs that shift the responsibility of saving for retirement to the individual employee. The main question that arises with this shift from corporate responsibility for retirement planning and management to individual responsibility concerns the ability and willingness of the average employee to take on this very important task. Research conducted over the last 10 years suggests that many employees are not adequately prepared or motivated to take on this responsibility. This study reports on the development of the Retirement Saving Self-efficacy Inventory (RSSEI), a measure designed to assess an individual's perceived self-efficacy to plan, save and invest for retirement. The 28-item scale was designed for use with working adults whose employer's retirement plan places the largest responsible for planning, saving, and investing for retirement on the individual employee. A factor analysis of the RSSEI found four factors, Creating a Savings and Investing Plan, Maintaining a Savings and Investing Plan, Building and Managing a Retirement Account, and Increasing Savings and Investing Opportunities. The findings also support the hypothesis that there is an overall direct relationship between self-efficacy beliefs concerning planning, saving, and investing for retirement and reported savings behaviors as measured by the Retirement Saving Behavioral Inventory (RSBI), and that these findings provide support for the validity of the RSSEI. Additional findings indicate that females, African Americans and Hispanics score significantly lower on two of the four self-efficacy factors, Building and Managing a Retirement Account and Increasing Savings and Investing Opportunities. And finally, this study examined the extent to which inverse relationships between self-efficacy beliefs and reported retirement savings behaviors (i.e., high self-efficacy and low savings) occurred, and it evaluated the demographic make up of those subgroups that reported these inverse relationships. The findings indicate that the largest percent of respondents reporting these inverse relationships were married, white, non-Hispanic females who make less the $60,000 year.
546 $a English
590 $a School code: 1194
650 4 $a Behavioral psychology. $3 2122788
650 4 $a Behaviorial sciences. $3 3422405
653 $a Investments
653 $a Retirement savings
653 $a Self-efficacy
690 $a 0384
710 2 $a The University of Memphis. $e degree granting institution. $3 3815714
720 1 $a Dwyer, William O. $e degree supervisor.
773 0 $t Dissertations Abstracts International $g 68-03B.
790 $a 1194
791 $a Ph.D.
792 $a 2006
856 4 0 $u https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3214028