earticle

영어

This study aimed to examine the asset-building strategies employed by retired elderly individuals in South Korea and explore how these strategies relate to elderly poverty. To achieve this, a questionnaire survey was conducted with 150 senior citizens aged 65 or older, drawn from three elderly welfare centers across 2 regions. Among the respondents, 101 had retired early, with 73 of them opting for voluntary resignation. Within this subset, 48 individuals demonstrated late-life preparedness and asset building. Regarding asset accumulation, ‘real estate’ emerged as the largest category, followed by ‘pension’ and ‘savings account (deposit)’. This suggests that financial assets are no longer the predominant form of late-life assets. Furthermore, public pension has not yet significantly contributed to the asset accumulation of these individuals. Therefore, the results indicate that if retired elderly individuals prioritize the acquisition of fixed assets, it could impact their income polarization and relatively poverty rates.

중국어

本研究调查了我国退休高龄者资产形成的过程和内容，探索分析了这种资产形成过程与老年贫困之间的关联性。 本研究以2个地区的3个老人福利馆的150名65岁以上高龄者为研究对象进行了问卷调查。研究结果显示，101名调查对象提前退休，其中选择自愿退休的有73名，其中，共有48人进行了养老准备及资产形成，从资产形成内容来看，拥有房地产的最多，其后依次为年金和储蓄（存款），这意味着金融资产不再被认为是老年资产，公共年金还未对老年资产的形成做出贡献。另外，这也预示着若今后退休高龄者的资产形成过程更集中于固定资产，可能会造成高龄者收入两极化现象或对相对贫困率的上升也会产生一定的影响。