abstract:

Retirement benefits for faculty are an important, but relatively understudied, topic in postsecondary education. To date, there have been very few studies that have used qualitative research methods to examine how workers make financial decisions about retirement, and no qualitative investigations of faculty choice between DB and DC plans. To help fill this gap in the literature, we used a qualitative approach to focus on how faculty members at the University of Georgia made the decision between a defined benefit and a defined contribution plan. We relied on a semi-structured interview protocol to examine how their retirement plan decisions were shaped by factors that are typically not included in quantitative studies of retirement plan choice, such as their financial literacy, perceived quality of information about the retirement plan options, career mobility, and attitudes towards risk. Consequently, this study provides greater nuance to this choice process and more in-depth information about the factors considered in this decision for faculty.

摘要：

教职员工的退休福利是高等教育中一个重要但研究相对较少的话题。迄今为止，很少有研究使用定性研究方法来检查工人如何做出有关退休的财务决策，也没有对 DB 和 DC 计划之间的教师选择进行定性调查。为了帮助填补文献中的这一空白，我们使用定性方法来关注佐治亚大学的教职员工如何在固定收益和固定缴款计划之间做出决定。我们依靠半结构化访谈协议来检查他们的退休计划决策如何受到退休计划选择定量研究中通常不包括的因素的影响，例如他们的金融知识、关于退休计划选项的信息质量感知、职业流动性和对风险的态度。因此，本研究为这一选择过程提供了更大的细微差别，并为教师提供了有关该决定中考虑的因素的更深入的信息。