دانلود مقاله ISI انگلیسی شماره 41435
عنوان فارسی مقاله

یک کار صرفه جویی مالی شبیه سازی شده برای مطالعه مصرف و تصمیم گیری بازنشستگی

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
41435 2015 9 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
A simulated financial savings task for studying consumption and retirement decision making
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Journal of Economic Psychology, Volume 46, February 2015, Pages 89–97

کلمات کلیدی
تصمیم گیری های مالی - مدل چرخه عمر مصرف - انتخاب موقتی - همه زمان - نگرش خطر - پس انداز بازنشستگی
پیش نمایش مقاله
پیش نمایش مقاله یک کار صرفه جویی مالی شبیه سازی شده برای مطالعه مصرف و تصمیم گیری بازنشستگی

چکیده انگلیسی

We describe a simulated financial decision making task that requires the participant to make decisions, over the course of a life cycle, regarding how much of their income to consume immediately and how much to save for a later retirement phase in which no income will be generated. The savings task was developed to be readily understood and performed online by members of a diverse participant population. A preliminary study (N = 165) involving such a population was conducted in which performance on the savings task was observed as length of retirement phase and the presence of a consumption-smoothing goal were experimentally manipulated. Results suggested that most participants understood the task and responded sensibly; for example, they saved a greater portion of current income for later consumption when faced with a long, compared to a short, retirement phase. Responsiveness of saving levels during the task to retirement length was found to be correlated with an independent measure of participants’ financial risk attitudes. Consumption smoothing during the task was found to be correlated with a measure of individual differences among participants in temporal delay discounting. Compared to experimental savings tasks developed in previous research, the task described here may offer some practical advantages in requiring less extensive participant instructions, providing a user-friendly graphical interface, being readily performed online, and potentially being more accessible as a consequence to participants with limited education or financial sophistication.

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