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Retirement Planning and its Impact on Working Individuals

    Author

    • Juliana Mohd Abdul KADIR, Saunah ZAINON, Rina Fadhilah ISMAIL, Siti Noor Ain AZIZ , Ahmad ‘Afi Izzuddin AMRAN

    Universiti Teknologi MARA (UiTM) Johor

,

Document Type : Research Article

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Abstract

The increase in the ageing population in a country requires the government to properly manage and plan for the well-being of society. This phenomenon has important implications for retirement planning if individuals do not make practical plans and not financially prepared for their future. Moreover, with the rising cost of living, future efforts become more challenging. Therefore, this research is important to examine retirement planning behavior among workers in Klang Valley with regards to financial literacy, saving behavior, personal attitude and goal clarity. A total of 112 respondents participated in the survey via systematic random sampling technique. Data were collected in the Klang Valley and analyzed using SmartPLS. The results revealed that goal clarity, personal attitude and saving behavior have a significant effect on retirement planning behavior. Within this context, respondents were satisfied with their financial situation from their behavioral assessment of goal clarity, personal attitude and saving behavior. Therefore, the outcome of this research could be a guideline for both employees in managing good retirement planning and policymakers in strategies and supporting the public post-retirement period.

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European Journal of Molecular & Clinical Medicine
Volume 7, Issue 6
November 2020
Page 1550-1559
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  • Article View: 207
  • PDF Download: 3,921

APA

Ahmad ‘Afi Izzuddin AMRAN, J. M. A. K. S. Z. R. F. I. S. N. A. A. ,. (2020). Retirement Planning and its Impact on Working Individuals. European Journal of Molecular & Clinical Medicine, 7(6), 1550-1559.

MLA

Juliana Mohd Abdul KADIR, Saunah ZAINON, Rina Fadhilah ISMAIL, Siti Noor Ain AZIZ , Ahmad ‘Afi Izzuddin AMRAN. "Retirement Planning and its Impact on Working Individuals". European Journal of Molecular & Clinical Medicine, 7, 6, 2020, 1550-1559.

HARVARD

Ahmad ‘Afi Izzuddin AMRAN, J. M. A. K. S. Z. R. F. I. S. N. A. A. ,. (2020). 'Retirement Planning and its Impact on Working Individuals', European Journal of Molecular & Clinical Medicine, 7(6), pp. 1550-1559.

VANCOUVER

Ahmad ‘Afi Izzuddin AMRAN, J. M. A. K. S. Z. R. F. I. S. N. A. A. ,. Retirement Planning and its Impact on Working Individuals. European Journal of Molecular & Clinical Medicine, 2020; 7(6): 1550-1559.

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