본 연구는 중고령 비임금근로자의 노후준비 여부와 인구사회학적 특성, 일자리 특성, 경제적 특성에 따른 노후준비 여부의 차이를 파악하는 데 목적을 두었다. 이를 위하여 국민노후보장패널 4차 자료(2011년)를 이용하여 50세- 64세 중고령 비임금근로자 689명을 대상으로 분석하였다. 연구결과, 중고령 비임금근로자의 노후준비 여부를 보면 노후를 위하여 경제적 준비를 하고 있는 경우가 39.0%로 나타나 노후준비가 매우 미흡한 것으로 확인되었다. 인구사회학적 특성에 따른 중고령 비임금근로자의 노후준비 여부 차이 는 종사상지위, 성별, 창업시기, 가구주여부, 건강상태, 교육수준, 직전 일자리형태에 따라 차이가 나타났고, 일자리 특성에 따른 노후준비 여부의 차이는 업종과 사업소득에 따라 유의한 차이가 있었다. 또한 경제적 특성에 따른 중고령 자영업자의 노후준비 여부의 차 이는 주택소유형태, 가구재산, 공적연금보유 여부, 저축 여부에 따라 유의한 차이가 나타났다. 이러한 연구결과를 토대로 중고령 비임금근로자의 노후준비 개선을 위한 시사점을 제시하였다.

This study examines how economic preparation for later life directly influences life after retirement. As people’s life cycle is gradually getting longer, preparation for the later time with less economic activity after retirement is becoming more important. Thus, this study analyzes the factors influencing life after retirement. Data comes from the Korean Retirement and Income Study (KReIS) surveyed carried out by the National Pension Research Institute in 2015. The analysis includes Cronbach’s alpha, Pearson Product Moment Correlation Coefficient and Sobel Test. This study confirms that voluntary retirement has a positive influence on life satisfaction. Results are in line with previous research about the relationship between voluntary retirement and retired life. When a person retires voluntarily, financial preparation can be made in advance for retirement. In case of involuntary retirement, people may experience a sense of loss in personal standing and financial difficulties due to the unexpected situation. Especially, early retirement from the main workplace leads to unstable later life. The study’s policy recommendation, in particular, calls on government and businesses to agree on social responsibility for helping employees to retire in the predictable retirement time and, thus, enabling the retiree to decide all aspects of the path after retirement.

Purpose - This study is to verify the mediating effect of voluntariness in retirement and the moderating effects of leisure life to examine which parts of later life preparations have influence on the retired life. Research design, data, and methodology - In this study, the 6th Korean Retirement and Income Study was conducted on 5,254 members of households with householders over the age of 50. To examine the relationship between later life preparation and retired life, this study used personal data based on the serial number of the household members. Results - First, physical preparation for later life had a positive influence on retired life satisfaction among retirement satisfaction. People showed higher retired life satisfaction. Secondly, physical preparation for later life had a positive influence on satisfaction over relationship after retirement among retirement satisfaction. People showed higher satisfaction over relationship after retirement when they were more physically prepared for later life. Conclusions – In particular, leisure life had a mediating effect for the influence of physical preparation for later life on the retired life. Also, leisure life and physical preparation for later life showed a close influencing relationship. People showed active leisure life and higher retired life satisfaction when they were more physically prepared for later life.