References
- Abad-Segura, E., González-Zamar, M. (2019). Effects of Financial Education and Financial Literacy. Education Science, 1(1), 1–17. DOI: 10.3390/educsci9030238.
- Ade, D.P. (2013). The Effect of Financial Literacy on Pension Preparedness Among Members of the Informal Sector in Kenya. Nairobi: University of Nairobi.
- Afthanorhan, A., Mamun, A.A., Zainol, N.R., Foziah, H., Awang, Z. (2020). Framing the Retirement Planning Behavior Model towards Sustainable Wellbeing among Youth: The Moderating Effect of Public Profiles. Sustainability, 12(21), 1–24. DOI: 10.3390/su12218879.
- Alessie, E., Andreu, R., Angelini, V. (2019). The retirement savings puzzle revealed: The role of housing and bequests. Journal of Economic Surveys, 33(1), 195–225. DOI: 10.1111/joes.12257.
- Aluodi, E., Njuguna, A., Bernard, O. (2017). Effect of Financial Literacy on Retirement Preparedness among Employees in the Insurance Sector in Kenya. International Journal of Business and Management, 12(10), 242–242. DOI: 10.5539/ijbm.v12n10p242.
- Ameriks, J., Briggs, J., Caplin, A., Lee, M., Shapiro, M.D., Tonetti, C. (2020). Older Americans Would Work Longer If Jobs Were Flexible. American Economic Journal: Macroeconomics, 12(1), 174–209. DOI: 10.1257/mac.20170403.
- Antoni, X.L., Saayman, M., Vosloo, N. (2020). The relationship between financial literacy and retirement planning: Nelson Mandela Bay. International Journal of Business and Managent, 12(2), 577–593.
- Compen, B., De Witte, K., Schelfhout, W. (2019). The Role of Teacher Professional Development in Financial Literacy Education. Educational research review, 26(1), 16–31. DOI: 10.1016/j.edurev.2018.12.001.
- Diamantopoulos, A., Schlegelmilch, B. (2006). Taking the fear out of data analysis (1st ed.). London: Thomas Learning.
- Firli, A. (2017). Factors that Influence Financial Literacy: A Conceptual Framework. Conference Series Materials Science and Engineering, 180(1), 112–254. DOI:10.1088/1757-899X/180/1/012254.
- Frieze, I.H., Chrisler, J.C. (2011). Editorial policy on the use of the term sex and gender. Sex Roles, 64(1), 789–790. DOI: 10.1007/s11199-011-9988-2.
- Guven, M. (2019). Extending pension coverage to informal sector in Africa. Washington DC: World Bank eLibrary.
- Hamed, T. (2016). Sampling Methods in Research Methodology; How to Choose a Sampling Technique for Research. International Journal of Academic Research in Management, 5(2), 18–27. DOI: 10.2139/ssrn.3205035.
- Harahap, S., Armanu, T., Sumiati, S., Djazuli, A. (2022). The Impact of Financial Literacy on Retirement Planning with Serial Mediation of Financial Risk Tolerance and Saving Behavior: Evidence of Medium Entrepreneurs in Indonesia. International Journal of Financial Studies, 10(66), 1–22.
- Harlow, W.V., Brown, K.C. (2016). Market risk, mortality risk and sustainable retirement, asset allocation: a downside risk perspective. Journal of Investment Management, 14(2), 5–32.
- Horn, A. (2018). Who’s out there? A profile of informal traders in four South African city central business districts. African journals online, 1(59), 1–6.
- Hung, A.A., Parker, M., Yoong, J.K. (2009). Defining and Measuring financial literacy. Rand Labor and Population working paper series, WR708, 1–28.
- ILO (2016). World Employment Social Outlook – Trends 2016. International Labour Organisation.
- Janposri, P. (2021). The Role of Financial Literacy in Retirement Planningand Wealth Accumulation AmongSelf-employed Thai Workers. Journal of Population and Social Studies, 29(1), 177–194.
- Kalmi, P., Ruuskanen, O.P. (2018). Financial literacy and retirement planning in Finland. Journal of personal economics and finance, 17(3), 335–362. DOI: 10.1017/S1474747217000270.
- Kruger, F. (2017). Funds At Work Umbrella Pension and Provident Fund. Pretoria: Momentum. Lusardi, A., Mitchell, O.S. (2008). Planning and financial literacy: How do women fare. National Bureau of Economic Sciences, Working Paper 13750, 1–12.
- Maluleke, R. (2022). Quarterly Labour Force Survey Quarter 3 2022. Pretoria: Stats SA.
- Mata, G.O. (2021). “The effect of financial literacy and gender on retirement planning among young adults”. International Journal of Bank Marketing, 39(7), 1068–1090. DOI: 10.1108/IJBM-10-2020-0518.
- More, J.P. (2019). Working with Local Retirement Communities for Freshman Design Experiences. Pennsylvania: Penn State University.
- Motala, S. (2017). Organising the informal economy: A case study of street trading in South Africa. South Africa. Geneva: International Labour Organisation.
- Niu, G., Zhou, Y. (2018). Financial literacy and retirement planning: evidence from China. Applied Economics, 25(9), 619–623. DOI: 10.1080/13504851.2017.1352072.
- O’Neil, D., Bilimoria, D. (2005). Women’s career development phases: Idealism, endurance and reinvention. Career development international, 10(3), 168–189.
- Safari, K., Njoka, C., Munkwa, M.G. (2021). Financial literacy and personal retirement planning: a socioeconomic approach. Journal of Business and Socio-economic Development, 1(2), 121–134. DOI: 10.1108/JBSED-04-2021-0052.
- Sarpong-Kumankoma, E. (2021). Financial literacy and retirement planning in Ghana. Review of behavioural finance, 15(1), 103–118. DOI: 10.1108/rbf-05-2020-0110.
- Sebo, J., Dankova, D., Kralik, I. (2020). In Search of the Optimal Saving Strategy. Financial Assessments and Investments, 54(2), 1–19.
- Sharpe, D.L. (2021). Reinventing retirement. Family Economics Issues, 42(1), 11–19. DOI: 10.1007/s10834-020-09696-7.
- Voya Financial Return on Investment (2011). Retrieved from Macrotrends.net: https://www.macrotrends.net/stocks/charts/VOYA/voya-financial/roi (2.10.2022).
- Wise, V. (2015). The Long Reach of Education: Early Retirement. National Bureau of economics, Working Paper No. 20740, 1–44.
- Yaari, M. (1965). Uncertain lifetime, Life Insurance and the Theory of Consumer. Review of Economic Studies, 32(2), 137–150. DOI: 10.2307/2296058.
- Yeung, Y., Zhou, X. (2017). Planning for Retirement: Longitudinal Effect on Retirement Resources and Post-retirement Well-being. Frontiers in Psychology, 1–12. DOI: 10.3389/fpsyg.2017.01300.