This study investigated the bank’s financial planer planning for their own retirement and the main considerations of the use of investment instruments. The study included the following points : 1, the banking industry to explore their own financial planer planning for retirement 2, understand the investment instruments bank’s financial planer planning for the retirement 3, further understanding of bank’s financial planer in gender, age, marital status, number of children, education level, the branch location, working period in the financial industry and the wealth management, personal income, license and personal investment risks .With different backgrounds and experiences, there are different influence in their own retirement age, monthly living expenses after retirement, retirement income replacement rate and the expectation return rate .
In this study, take the sample from 17 banking branches of wealth management or financial management located in Taipei. The total payment of 300 questionnaires were distributed and 202 questionnaires were returned, of which effective questionnaires were 202,.The return rate for questionnaires is 67.3%, and the effective rate for questionnaires is 67.3%. Research methods are descriptive statistical analysis of the frequency distribution and percentage, the cross-analysis, and independence using the chi-square distribution.
The results of this study are : 1, about 50% bank’s financial planer expected retirement age between 51 ~ 60 years old; The expected retirement monthly living expenses at least between NT$30, 001 ~ NT$ 50,000; the retirement income replacement rate is 51% ~ 60%. 2. bank’s financial planer for retirement planning tools prefer "overseas funds" (85.64%) and allocate NT$ 10,000 ~ NT$20,000 monthly doing retirement plan. The expectation return rate is 10% and above. 3, the impact factors of the bank’s financial planer planning retirement are age, education level, working period in the wealth management, license and personal investment risks.