台灣在面臨少子化及高齡化社會之情況下，青壯年人口扶養比逐漸提高，勞動族群為了減輕退休後所造成家人的經濟負擔，退休理財規劃成為重要的課題。本研究目的在於找出影響及早進行退休理財規劃之因素，並探討勞動族群對不同金融商品之偏好。
本研究理論基礎以計畫行為理論中態度(Attitude) 、主觀規範(Subjective Norm )、知覺行為控制(Perceived Behavioral Control) 以及行為意圖(Behavioral intention)等並且加入知覺風險(Perceived Risk)構面，研究勞動族群及早進行退休理財規劃之行為模式，並使用多元邏輯回歸分析(Multiple logistic regression analysis)找出影響金融商品選擇偏好之因素。
研究結果發現，態度、主觀規範、知覺行為控制以及知覺風險，皆對勞動族群及早進行退休理財規劃之行為意圖具顯著正面影響。

Due to the low birth rate and the aging society, the dependency ratio among the middle-aged population in Taiwan is increasing. To reduce household financial burden after retirement, it is significant for the workforce to manage retirement financial plans. The aim of this study is to investigate factors that effect early planning on retirement financial management and the workforce’s preferences for different financial products.

This study used the theory of planned behavior as the theoretical basis, which includes attitude, subjective norm, perceived behavioral control and behavioral intention, and involved the facet of perceived risk to analyse the behavioral model of the workforce developing early financial management plans for retirement. Using Multiple Logistic Regression Analysis, this study also examine factors that affect preferences for financial products. The results indicate that attitude, subjective norm, perceived behavioral control and perceived risk have significant positive impact on the behavioral intention of early retirement financial planning among the workforce.

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