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Retirement Adjustment Quality: Optimism and Self-Efficacy as Antecedents of Resource Accumulation

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  • Gabriela Topa

    (UNED)

  • Inmaculada Pra

    (UNED)

Abstract

The resource-based dynamic perspective posits that retirement adjustment quality is a direct result of an individual’s access to valuable resources during transition and in the post-retirement phase, while at the same time underscoring the need to explore the distal antecedents of adjustment quality. The present study aims to examine how distal antecedents—dispositional traits and motivational variables—influence older workers’ resource accumulation and, ultimately, how it affects retirement adjustment quality, under the resource-based dynamic perspective and Hobfoll’s resource theory. A three-wave study was designed with older Spanish workers (N = 455), who were still in active employment at time 1 and time 2 but who had retired within the last 4 months at time 3. Dispositional traits like optimism have predictive power as a gauge of resource accumulation in the short run, although not all of them were fully significant. Some unexpected findings are the limited impact of personal finances on retirement adjustment quality and the absolutely nugatory influence of cognitive resources on quality of life. The present study employs a widely validated measure of retirement adjustment quality, which should ensure comparability of findings with evidence obtained from other studies.

Suggested Citation

  • Gabriela Topa & Inmaculada Pra, 2018. "Retirement Adjustment Quality: Optimism and Self-Efficacy as Antecedents of Resource Accumulation," Applied Research in Quality of Life, Springer;International Society for Quality-of-Life Studies, vol. 13(4), pages 1015-1035, December.
    • Handle: RePEc:spr:ariqol:v:13:y:2018:i:4:d:10.1007_s11482-017-9571-2
    DOI: 10.1007/s11482-017-9571-2
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    References listed on IDEAS

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    1. Joanne K Earl & Paul Gerrans & Anthony Asher & Julia Woodside, 2015. "Financial literacy, financial judgement, and retirement self-efficacy of older trustees of self-managed superannuation funds," Australian Journal of Management, Australian School of Business, vol. 40(3), pages 435-458, August.
    2. Spaenjers, Christophe & Spira, Sven Michael, 2015. "Subjective life horizon and portfolio choice," Journal of Economic Behavior & Organization, Elsevier, vol. 116(C), pages 94-106.
    3. Sarstedt, Marko & Ringle, Christian M. & Smith, Donna & Reams, Russell & Hair, Joseph F., 2014. "Partial least squares structural equation modeling (PLS-SEM): A useful tool for family business researchers," Journal of Family Business Strategy, Elsevier, vol. 5(1), pages 105-115.
    4. Weinstock, Eyal & Sonsino, Doron, 2014. "Are risk-seekers more optimistic? Non-parametric approach," Journal of Economic Behavior & Organization, Elsevier, vol. 108(C), pages 236-251.
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    Cited by:

    1. Michal Biron & Hilla Peretz & Keren Turgeman-Lupo, 2020. "Trait Optimism and Work from Home Adjustment in the COVID-19 Pandemic: Considering the Mediating Role of Situational Optimism and the Moderating Role of Cultural Optimism," Sustainability, MDPI, vol. 12(22), pages 1-21, November.
    2. Anna Mooney & Cindy E. Tsotsoros & Joanne K. Earl & Douglas A. Hershey & Carl H. Mooney, 2021. "Enhancing Planning Behavior during Retirement: Effects of a Time Perspective Based Training Intervention," Social Sciences, MDPI, vol. 10(8), pages 1-26, August.
    3. Arvid O. I. Hoffmann & Daria Plotkina, 2021. "Let your past define your future? How recalling successful financial experiences can increase beliefs of self‐efficacy in financial planning," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(3), pages 847-871, September.

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