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Dissertations / Theses on the topic 'Retirement income'

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Published: 4 June 2021

Last updated: 25 July 2025

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1

Hsu, Chungwen. "Women's Retirement Income Satisfaction and Saving Behaviors." Diss., Virginia Tech, 2013. http://hdl.handle.net/10919/49586.

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Retirement saving research frequently has investigated the differences between working men and working women and primarily focused on the near retirement and retirement years. There is limited research targeting young to old working-age women including those who do not work for pay and are unemployed.<br /><br />The purpose of this study was to examine what factors affect non-retired working-age (25 years and older) women\'s retirement saving behaviors, retirement savings, and retirement income satisfaction. To implement the study, a research framework was developed based on Deacon and Firebau

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2

Hsu, Chungwen. "Women\'s Retirement Income Satisfaction and Saving Behaviors." Diss., Virginia Tech, 2001. http://hdl.handle.net/10919/49586.

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Retirement saving research frequently has investigated the differences between working men and working women and primarily focused on the near retirement and retirement years. There is limited research targeting young to old working-age women including those who do not work for pay and are unemployed.<br /><br />The purpose of this study was to examine what factors affect non-retired working-age (25 years and older) women\'s retirement saving behaviors, retirement savings, and retirement income satisfaction. To implement the study, a research framework was developed based on Deacon and Firebau

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3

Chen, Cheng-Chung. "Changes in retirement adequacy, 1995-2004 accounting for retirement stages /." Columbus, Ohio : Ohio State University, 2007. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1196285548.

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4

Kudrna, Jiri, and g. kudrna@unsw edu au. "Retirement Income Policy in Australia: Life-Cycle Analyses." University of Sydney, 2009. http://hdl.handle.net/2123/4119.

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Doctor of Philosophy(PhD)<br>Retirement income policy in Australia has undergone significant changes over the last two decades, including the introduction of the Superannuation Guarantee [SG] with mandatory contributions in 1992 and the 2007 superannuation changes with the benefit tax abolition. Numerical implications of adopted pension reforms and reform proposals such as further increases in the SG contribution rate, changes to superannuation taxation and to means-testing of the age pension have been examined mainly by micro-simulation models. These models, often criticized for their lack of

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5

Wong, Leung-kwong. "A study of retirement income schemes in Hong Kong." Click to view the E-thesis via HKUTO, 1987. http://sunzi.lib.hku.hk/hkuto/record/B31975203.

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6

Iglesias, Carlos A. Kim Asa D. "Knowledge of the military retirement system among Naval Postgraduate School officers and analysis of associated retirement information sources." Monterey, Calif. : Naval Postgraduate School, 2009. http://edocs.nps.edu/npspubs/scholarly/MBAPR/2009/Jun/09Jun%5FIglesias%5FMBA.pdf.

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"Submitted in partial fulfillment of the requirements for the degree of Master of Business Administration from the Naval Postgraduate School, June 2009."<br>Advisor(s): Henderson, David R. ; Eitelberg, Mark J. "June 2009." "MBA professional report"--Cover. Description based on title screen as viewed on July 14, 2009. Author(s) subject terms: Military Retirement, Retirement Information Sources, Retirement Information Systems, General Military Training, Military Compensation, Defined Benefit Plan, Defined Contribution Plan, Military Pension, Military Retirement Fund, and Military Retirement C

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7

Lampert, Jacqueline Garry. "The influence of expected retirement income on the rate of retirement savings of young people." CONNECT TO ELECTRONIC THESIS, 2006. http://hdl.handle.net/1961/3605.

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8

Tse, Wai-kwan Elsa. "A study on Hong Kong mandatory provident fund system /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19878485.

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9

Agulnik, Phillip John Anderson. "Pension reform in the UK : evaluating retirement income policy." Thesis, London School of Economics and Political Science (University of London), 2001. http://etheses.lse.ac.uk/2504/.

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This thesis analyses the effects of current and proposed pension policies for the UK, and critically assesses the arguments for different forms of intervention. It aims to contribute to the pension reform debate in four main ways. First, it presents an original typology of four 'ideal type' pension systems - targeting, basic income, social insurance and compulsory saving - which allows the plethora of different reform proposals to be grouped into manageable bundles, and brings out the key choices facing pension reformers. Second, it aims to make the debate better informed by providing estimate

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10

Wong, Leung-kwong, and 王良廣. "A study of retirement income schemes in Hong Kong." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1987. http://hub.hku.hk/bib/B31975203.

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11

Erlandzon, Karl. "Retirement planning : portfolio choice for long-term investors /." Göteborg, Sweden : University of Gothenburg, 2008. http://catalog.hathitrust.org/api/volumes/oclc/235948581.html.

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12

Macdonald, Kirsten Leigh. "KiwiSaver and Retirement Adequacy." Thesis, Griffith University, 2017. http://hdl.handle.net/10072/367519.

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Motivated by a critique of the literature and an examination of the institutional setting, this thesis sheds light on the impact of defined contribution pension plan design on retirement adequacy using the New Zealand system as a case study. In order to enjoy standards of living in retirement similar to pre-retirement, a holistic approach to retirement including the accumulation and decumulation phases must be taken. The largest impact on retirement adequacy, lowering sustainable withdrawal rates and increasing the risk of not living well in retirement, is the level of accumulated wealth at re

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13

Chen, Liqiong. "Essays on household income and expenditures." Diss., University of Iowa, 2019. https://ir.uiowa.edu/etd/6922.

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This dissertation studies household income and consumption. In the first chapter, I identify the causal effect of retirement on health service utilization in China. In the second chapter, I investigates the impact that retirement has on the family support network of “sandwich” generations in China. In the third chapter, I propose a new estimator for linear quantile regression models with generated regressors, and apply it to study Engel curves for various commodity consumption for families in the UK. In the first chapter, I apply a regression discontinuity design by exploiting the exogenous ma

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14

Hirschbeck, Lisa. "Encouraging individual retirement savings in South Africa." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1017535.

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Many South Africans may not have adequate retirement savings when they retire and this has the effect of a low income replacement ratio on retirement that may lead to a decrease in the standard of living of the retiree and in extreme cases the retiree becoming dependent on their family and the government. Owing to this trend of no or inadequate retirement savings, South Africa embarked on a retirement reform journey in 2004. The goal of this research is to determine whether the retirement reform mechanisms outlined by National Treasury would encourage individual retirement savings that should

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15

De, Villiers-Strijdom Jeannie. "Comparing annuity options at retirement." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/80188.

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Thesis (MComm)--Stellenbosch University, 2013.<br>In this thesis, based on historical data, a comparative study is conducted of various annuity strategies for South African males who retired during the 30 years from 1960 to 1989. To this end, the present values of the monthly cash ows provided by di erent annuity strategies are calculated and compared in order to ascertain which strategy would have provided the largest nancial bene ts. In contrast to previously held general beliefs, the calculations demonstrate that pure living annuity strategies are superior to composite annuity strat

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16

Lin, Yueh-Ju. "Factors influencing financial asset holdings of near and in retirement households /." free to MU campus, to others for purchase, 1998. http://wwwlib.umi.com/cr/mo/fullcit?p9904858.

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17

Dulitzky, Daniel H. 1976. "Social Security reforms, retirement plans, and saving under labor income uncertainty." Thesis, Massachusetts Institute of Technology, 1998. http://hdl.handle.net/1721.1/10125.

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18

HUYNH, HELEN T. "THE CHANGES AND CONTRIBUTORS TO THE PERCEPTION OF RETIREMENT INCOME ADEQUACY." Diss., Temple University Libraries, 2019. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/541319.

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Business Administration/Risk Management and Insurance<br>D.B.A.<br>This study examines the contributing factors that influence the variation in the perception of retirement income adequacy, analyzing U.S. households who are in the nearing retirement stage (age 55-64) in 2007 along with U.S. households who are in the first stage of retirement (age 65-74) in 2016, within the Survey of Consumer Finances. This study performs pair-matching or one-to-one propensity score matching of the cohort nearing retirement in the 2007 SCF dataset with those of the first stage of retirement in the 2016 SCF data

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19

Peggs, Kay. "Women and pensions." Thesis, University of Surrey, 1995. http://epubs.surrey.ac.uk/771371/.

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Legislative changes in the 1980s and 1990s have meant that non-state pensions are becoming increasingly important in pension provision in Britain. The introduction of Approved Personal Pension Plans (APPS) as a legal second-tier pension option has meant that potential pension alternatives have increased and now consist of SERPS, occupational pension schemes and APPS. These alternatives are not, however, similarly beneficial. Occupational pensions are usually by far the better option. It is precisely because women have been disadvantaged in occupational pensions in the past that so many older w

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20

Bouma, Lisa C. "Retirement income policies and welfare state retrenchment: a comparative study of Canada, Sweden and the Netherlands /." Burnaby B.C. : Simon Fraser University, 2005. http://ir.lib.sfu.ca/handle/1892/2305.

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21

Barnes, Andrew. "A financial planning model for retirement, taking into account the impact of pre-retirement funding income, age and taxation." Thesis, Rhodes University, 2006. http://hdl.handle.net/10962/d1004532.

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Individuals are often not aware of the required level of contributions needed to fund a retirement savings plan. This problem is compounded by the fact that the assistance provided to these individuals by way of commercially-available retirement planning models does not take into account the effect of income tax on the level of required retirement savings contributions and recent changes in the tax legislation to the income tax payable by individuals has had a significant effect on these required levels. As a preamble to the research process, an exploratory questionnaire was administrated to a

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22

Ong, Rachel Kien Ling. "Ageing in Australia : financial independence and work disincentive issues /." Access via Murdoch University Digital Theses Project, 2004. http://wwwlib.murdoch.edu.au/adt/browse/view/adt-MU20050526.150529.

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23

Lin, Xiaofen. "Three essays on saving before and after retirement : a study of Canadian couples, 1969-1992 /." *McMaster only, 1998.

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24

Aura, Saku P. 1971. "Essays in the economics of retirement income security and household decision-making." Thesis, Massachusetts Institute of Technology, 2001. http://hdl.handle.net/1721.1/8298.

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Thesis (Ph. D.)--Massachusetts Institute of Technology, Dept. of Economics, 2001.<br>Includes bibliographical references.<br>The first essay of this thesis studies within-family decision making regarding investment in income protection for surviving spouses using a simple and tractable Nash-bargaining model. A change in US pension law (the Retirement Equity Act of 1984) is used as an instrument to derive predictions from the bargaining model and to contrast these with the predictions of the classical single-utility-function model of the household. In the empirical part of the essay, the predic

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25

Nunes, Bernardo F. "Three essays on retirement and savings behaviour." Thesis, University of Stirling, 2016. http://hdl.handle.net/1893/24516.

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This dissertation presents three essays on retirement and savings behaviour. It relies on secondary data from British national surveys to empirically address how workers prepare and adapt to the economic circumstances of later life. Chapter 1 analyses the effectiveness of providing workers with the opportunity to join workplace pension schemes to stimulate pension savings. It estimates the potential opt-in rate among employees who haven’t been offered a pension plan by an employer, had they been offered the opportunity to join a scheme. Governmental policies enforcing pension plan provision at

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26

Zeka, Bomikazi. "The retirement funding adequacy of black South Africans." Thesis, Nelson Mandela Metropolitan University, 2017. http://hdl.handle.net/10948/13338.

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Despite the importance of retirement planning, many South Africans have been documented as reaching retirement age without adequate retirement funding. A vast amount of research has been conducted on how proper retirement planning can be beneficial for individuals; however, there has been a lack of attention given to researching the retirement planning of black individuals in South Africa. Thus, the primary objective of this study was to identify, investigate and empirically test which factors influence retirement planning, and which aspects of retirement planning influence the retirement fund

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27

Jamaludin, Nurasyikin. "Individual retirement savings behaviour : evidence from Malaysia." Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 2012. https://ro.ecu.edu.au/theses/432.

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This thesis investigates factors that influence individuals‟ investment choice decisions within the context of retirement savings in Malaysia. The focus is on individuals‟ likelihood of investing part of their retirement savings in approved unit trusts (also known as mutual funds). In addition, individuals‟ choice of fund and mutual fund selection criteria are also explored. This thesis utilised questionnaire-based surveys to solicit responses from members of the Employees Provident Fund (EPF), as well as from unit trust consultants. Data collected from 440 EPF members and 561 unit trust consu

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28

McCarthy, Shawn. "Reforming Canada's retirement income system to bear the weight of an aging society." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1996. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp04/mq22131.pdf.

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29

Leech, Irene E. "The intention to save for retirement: the influence of attitudes and subjective norms." Diss., Virginia Polytechnic Institute and State University, 1988. http://hdl.handle.net/10919/51934.

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America's population is aging. People are living longer and medical advances continue to make that true. Many citizens count on social security as a major source of retirement income. Future retirees will find that there will be fewer workers to support them and unless the nation stops borrowing from the social security fund to finance the deficit, there will be less money for retirees. All of this means that it is important for individuals to save for retirement. Martin Fishbein developed the Behavioral Intention Model to explain various behaviors. According to the model, attitude and subject

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30

Yan, Lap-tak. "A discourse analysis of the welfare ideology in Hong Kong : a case study of the legislative councillors' argumentation upon the administration's proposal of setting up a retirement protection system /." Hong Kong : University of Hong Kong, 1994. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1399136X.

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31

Jefferson, Therese. "Australian women's financial security in later life: the effects of social structures and decision processes." Thesis, Curtin University, 2005. http://hdl.handle.net/20.500.11937/1981.

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Existing studies provide a range of insights into the causes of womens low retirement incomes and emphasise the effect of low life-time incomes on womens access to economic resources in later life. Despite these insights, however, there is relatively little research on the roles played by motivations, social institutions and decision-making processes in determining womens capacity to save for retirement. In order to address some of these gaps in our understanding, this study aimed to broaden the range of theoretical approaches applied to economic studies of womens retirement savings strategies

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32

Marisetty, Vijaya Bhaskar 1973. "Performance evaluation of Australian superannuation funds." Monash University, Dept. of Accounting and Finance, 2003. http://arrow.monash.edu.au/hdl/1959.1/5843.

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33

Sanzenbacher, Geoffrey Todd. "Essays in Labor Economics." Thesis, Boston College, 2010. http://hdl.handle.net/2345/1838.

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Thesis advisor: Shannon Seitz<br>Issues pertaining to low income workers are of the upmost interest to policy makers. In the mid 1990s, the issue of welfare recipients and work was at the forefront of public policy, as the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 was passed. One of the many goals of the policy was to "end the dependence of needy families on government benefits" by encouraging work and ultimately higher wages. The first paper of my dissertation explores the processes by which work leads to wage growth for welfare recipients. I find that welfare re

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34

Ward, William. "Superannuation and industrial relations : an analysis of the consequences of superannuation for Australian wage earners resulting from the accord period in historical perspective." Thesis, The University of Sydney, 1998. https://hdl.handle.net/2123/27754.

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This thesis examines the ramifications associated with the spread of superannuation coverage from a minority of higher earning individuals to encapsulate 90% of the entire Australian workforce. To achieve this result the Australian union movement traded direct wage increases for superannuation. This thesis examines the relative merits of this transfer of direct remuneration to indirect remuneration. More specifically, it does so in relation to workers on lower incomes, as it was these workers who received superannuation for the first time during the Accord period. The examination of the

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35

Rabon-Williams, Frankie May. "The retirement planning process of African-American female, leading-edge baby boomers /." This resource online, 1994. http://scholar.lib.vt.edu/theses/available/etd-06062008-164523/.

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36

Brown, Jeffrey R. (Jeffrey Robert) 1968. "Retirement income, bequests, and insurance : implications of mortality risk in a stochastic life cycle model." Thesis, Massachusetts Institute of Technology, 1999. http://hdl.handle.net/1721.1/9515.

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Thesis (Ph.D.)--Massachusetts Institute of Technology, Dept. of Economics, c1999.<br>Includes bibliographical references.<br>This thesis is composed of four studies on the role of annuities and life insurance in the portfolios of elderly households. It has long been known in the economics literature that annuities should be of substantial value in the portfolios of retired individuals. However, outside of private pension plans. the purchase of private annuity contracts is relatively rare. This paper explores the issues associated with this "Annuity Puzzle" using the framework of a life cycle m

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37

Alriksson, Anton. "Labor supply effects of increases in non-labor income : A study about older working individuals labor force participation." Thesis, Linnéuniversitetet, Institutionen för nationalekonomi och statistik (NS), 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-53282.

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The ageing of the Swedish population entails an increase of public and pension expenditure. A solution to keep the compensation level constant is to make individuals retire later from the labor force. In order to understand what actions need to be implemented, there is a need of more knowledge about the characteristics of individuals who chose to remain in the labor force after the normal age of retirement. This essay investigates how senior workers’ that are above the normal retirement age responds to an increase of non-labor income and how it affects labor supply. The results show that aroun

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38

Hagen, Johannes. "Essays on Pensions, Retirement and Tax Evasion." Doctoral thesis, Uppsala universitet, Nationalekonomiska institutionen, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-274479.

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Essay I: This essay provides an overview of the history of the Swedish pension system. Starting with the implementation of the public pension system in 1913, it outlines the key components of each major pension reform up until today along with a discussion of the main trade-offs and concerns that policy makers have faced. It also describes the historical background of the four largest occupational pension plans in Sweden and the mutual influence between these plans and the public pension system. Essay II: Despite the fact that the increasing involvement of the private sector in pension

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39

Skulski, Bohdan J. (Bohdan Jan) Carleton University Dissertation Law. "The Exigibility of RRSPs on account of income tax arrears." Ottawa, 1999.

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40

McCarthy, Shawn Carleton University Dissertation Journalism and communication. "Public pension principles: Reforming Canada's retirement income system to bear the weight of an aging society." Ottawa, 1996.

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41

Rabon-Williams, Frankie Mae. "The retirement planning process of African-American female, leading-edge baby boomers." Diss., Virginia Tech, 1994. http://hdl.handle.net/10919/38272.

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42

MACHADO, CECILIA CARACIKI MURUCI. "RETIREMENT AND THE LEISURE-INCOME TRADE-OFF: IMPLICATIONS TO THE HUMAN CAPITAL VALUE OF PUBLIC SECTOR EMPLOYEES." PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2005. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=7377@1.

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CONSELHO NACIONAL DE DESENVOLVIMENTO CIENTÍFICO E TECNOLÓGICO<br>Que se espera de um funcionário público que se aposenta ainda jovem: trabalhar ou usar o tempo livre para lazer? Caso trabalhe, então a reforma previdenciária de 1998 - que impôs idade mínima para aposentadoria - causa perda de renda futura que deve ser compensada por aumento de poupança corrente. Caso a opção seja por lazer, a reforma resulta em perda de lazer futuro, o que, sob a hipótese de complementaridade entre consumo e lazer, implica na realocação de consumo futuro para o presente, ou seja, decréscimo de poupança c

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43

Croy, Gerry. "Psychological determinants of retirement savings behaviour: An application of the theory of planned behaviour." Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 2007. https://ro.ecu.edu.au/theses/311.

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It is generally accepted that the rate at which any individuals presently save falls substantively short of that which will enable them to achieve their lifestyle aspirations in retirement. This, combined with the social-support funding demands of an ageing population makes the subject of retirement savings one of crucial importance to Australia and to most countries worldwide. An obvious approach to improving the quality of life in retirement and to alleviating the forecast social-support burden is to induce people to save in a more effective manner. This point is not lost on the Australian g

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44

Dan, Amy Anne. "What are People Doing to Prepare for Retirement? Structural, Personal, Work, and Family Predictors of Planning." Case Western Reserve University School of Graduate Studies / OhioLINK, 2004. http://rave.ohiolink.edu/etdc/view?acc_num=case1079241195.

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45

Tse, Wai-kwan Elsa, and 謝慧君. "A study on Hong Kong mandatory provident fund system." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1998. http://hub.hku.hk/bib/B31269369.

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46

Jefferson, Therese. "Australian women's financial security in later life : the effects of social structures and decision processes /." Curtin University of Technology, Graduate School of Business, 2005. http://espace.library.curtin.edu.au:80/R/?func=dbin-jump-full&object_id=16372.

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Existing studies provide a range of insights into the causes of womens low retirement incomes and emphasise the effect of low life-time incomes on womens access to economic resources in later life. Despite these insights, however, there is relatively little research on the roles played by motivations, social institutions and decision-making processes in determining womens capacity to save for retirement. In order to address some of these gaps in our understanding, this study aimed to broaden the range of theoretical approaches applied to economic studies of womens retirement savings strategies

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47

Marsden, Treva Marie 1962. "Description of estrogen therapy in older women of middle or upper income in a retirement community in the Southwest." Thesis, The University of Arizona, 1993. http://hdl.handle.net/10150/278332.

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The population today is getting older, leading to increases in the number of women in the postmenopausal stage of life. The fact that women in the United States have an average life expectancy of 79 years, means that approximately one third of a woman's life will be spent after menopause (Odom, Carr, & MacDonald, 1990). For nurses working with older populations, estrogen replacement therapy is a common issue to confront. It is of considerable concern then that more knowledge be obtained on HRT and on characteristics of those women who elect to use it. The purpose of this study was to describe

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48

Kgatla, Itumeleng Peter. "Social security and retirement reforms in South Africa : prospects and challenges." Thesis, University of Limpopo, Turfloop Campus, 2013. http://hdl.handle.net/10386/1114.

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Thesis (LLM. (Development and Management Law)) -- University of Limpopo, 2013<br>This mini-dissertation discusses South African social security and retirement reforms that will be used as guidelines towards promulgation of the new Pension Funds Act which will incorporate both private and public pensions. These proposals have been highlighted in the Retirement Reform Discussion Paper issued by National Treasury in 2004 and the Social Security and Retirement Reform paper, issued by both National Treasury and Department of Social Development, 2007. Further, the recent discussion papers entitled ‘

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49

Muruthi, James. "PERCEPTIONS OF ECONOMIC SECURITY IN OLD AGE: THE CASE OF RURAL ELDERS OF MARAIGUSHU, KENYA." Miami University / OhioLINK, 2012. http://rave.ohiolink.edu/etdc/view?acc_num=miami1335322687.

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50

Wu, Sumei, and 吳蘇美. "Hong Kong intergenerational upward financial support." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2014. http://hdl.handle.net/10722/206687.

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Hong Kong is facing an ageing population and increased life expectancy. However, Hong Kong does not have a universal pension system and the income security of older people is therefore increasingly discussed. The main income sources of older people are earnings from employment and from savings and investments, as well as government welfare, and financial support from their families. However, income from employment, savings and investments are limited. Also, social policy in Hong Kong follows the residual model that it is the duty of a family to provide support to their family members, and gove

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