本研究主要探討風險認知與金融常識對投資人退休規劃程度的影響，並使用問卷方式針對台灣地區18歲以上國民進行線上調查。實證結果指出一般國人的退休理財規畫主要依賴台灣現有的退休金制度設計，較少比率民眾會進行額外的退休金理財的選擇；當投資人風險認知愈高，愈顯著提高投資人進行退休規劃的影響；此外，當投資人具有較高的金融常識時，也會顯著地提升投資人進行退休規劃的影響。最後，當投資不僅同時具備高度風險認知與金融常識時，更可以提高投資人進行退休規劃的意願。 This thesis mainly explores the impact of investor's risk perception and financial knowledge on the degree of retirement planning by using online questionnaires surveys over the age of 18 in Taiwan. The empirical results show that individual investor's retirement financial planning mainly relies on the existing design of the pension system in Taiwan, while the rate of public participation in the pension fund is relatively low. When the investor's risk perception is higher, the more significantly the investor's retirement planning made. In addition, when investors have high financial knowledge, they also significantly enhance their willingness to retirement planning. Finally, when the investment not only possesses both a high degree of risk awareness and financial knowledge, it also enhances investors' willingness to plan for their retirement.
