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Women's retirement expectations: how stable are they?
1Department of Human Development and Family Studies, The Pennsylvania State University, University Park, 18602, USA. jdw276@psu.edu
Summary
Retirement age expectations fluctuate significantly for women, both between individuals and within the same person over time. Factors like age and job history influence these varied retirement planning patterns.
Area of Science:
- Gerontology
- Sociology
- Economics
Background:
- Retirement planning is a crucial aspect of later life.
- Understanding expected retirement age is key to effective planning.
Purpose of the Study:
- To examine between- and within-person differences in expected retirement age.
- To classify expectation typologies based on specificity and consistency.
Main Methods:
- Latent class analysis to identify retirement expectation patterns over 7 years.
- Multinomial logistic regression to analyze demographic and status effects on these patterns.
Main Results:
- Significant heterogeneity was observed in expected retirement age reports, both between and within individuals.
- Demographic factors (age, race, marital status) and work-related factors (job tenure, job change) influenced retirement expectation patterns.
Conclusions:
- Frequent fluctuations and heterogeneity in retirement expectations highlight uncertainty in the planning process.
- Longitudinal studies capturing multiple time points are essential for understanding the dynamics of preretirement planning.
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