Pengaruh orientasi masa depan dan sikap keuangan terhadap perilaku perencanaan dana pensiun dengan pengetahuan keuangan sebagai variabel moderasi

Enjoying a prosperous and financially secure life is everyone's dream. Retirement can be a fun phase eagerly awaited by an employee. However, having a good retirement is not as easy as imagined, it needs careful planning and continuous evaluation. There are many factors that can influence the behavior of pension plan planning such as future orientation, financial attitude and financial knowledge. This study aims to determine the effect of future orientation and financial attitudes toward the behavior of pension plan planning with financial knowledge as moderation variable with data analysis technique used is SEM-PLS test. Respondents who were sampled amounted to 321 people with the criteria of respondents domiciled in Surabaya, Gresik and Sidoarjo, have a family income of at least Rp. 4,000,000, - per month, has a minimum of 2 years working experience and is a family finance manager. Based on the research result, it is found that future orientation has significant positive effect on pension fund planning behavior. Likewise with the financial attitude is also a significant positive effect with pension fund planning behavior. Financial knowledge also has a significant positive effect on pension fund planning behavior and is able to moderate the relationship between financial attitude and pension fund planning behavior. Keywords: Future orientation, financial attitude¸ financial knowledge and retirement planning behavior