Pension financial planning for Taiwanese workers after retirement:Take Taichung City as an example

[[abstract]]本研究主要的目的是希望透過這個研究知道勞工朋友們，在退休後針對退休金的理財規畫與運用，勞工退休後生活經濟如何得到保障，要如何做好退休金的理財規劃，來滿足退休生活的資金需求，及如何提升退休生活的品質品味，在在的展現退休金理財規劃的重要性。也能更清楚一般勞工對於投資理財的屬性，會是保守型、穩定型還是高風險高報酬的積極型。退休金的理財規劃和勞工退休後的生活品質成為正比，審慎評估自己退休後要過的生活品質，運用退休金的理財規畫，更能應付退休生活的種種開銷。以台中市已退休的勞工朋友為訪談對象來探討，並參考過去文獻及根據30位已退休勞工朋友所訪談的結果分析，找出退休勞工針對退休金的理財規劃為何。針對即將退休的勞工朋友們提出寶貴的建議，期望能對即將退休的勞工朋友的退休金規劃能有所助益。依據訪談的結果發現:以退休金作為生活開銷的有44%，有投資理財規劃的勞工屬於穩定型的比率有46%，積極型的投資，風險高投資報酬率亦高，比率為10%是比較少數的。[[abstract]]The main purpose of this research is to learn about the financial planning and use of pensions for workers after retirement. How to protect the economy of workers after retirement, and make financial planning for pensions is an important isssue. The financial needs of life and how to improve the quality and taste of retirement life are now showing the importance of pension financial planning. It can also be clearer whether the general labor's attributes for investment and financial management will be conservative, stable, or proactive with high risk and high return. The financial planning of retirement funds is directly proportional to the quality of life after retirement. Carefully assess the quality of life after retirement and use the financial planning of retirement funds to better cope with the various expenses of retirement. We ake retired workers in Taichung City as the sample, and refer to the past literature we analyze the 30 retired workers to find out what the retired workers’ financial planning is for their pensions. Provide valuable suggestions for workers who are about to retire, hoping to be helpful to the pension plan of workers who are about to retire.According to the results of the interview, 44% use retirement pensions as living expenses, 46% of workers with investment and financial planning are stable, and active investments have high risk and high return on investment, with a rate of 10%