Junk, V. W., Fox, L. K., Einerson, M. J. & Taff, L. K. (1997). Preretirees’
perception of retirement income. Financial Counseling and Planning,
Preretirees’ Perception Of Retirement Income
Virginia W. Junk,(1) Linda K. Fox,(2) Martha J. Einerson,(3) and Linda K. Taff (4)
Women, and unmarried women in particular, may be at risk of a financially insecure retirement.
This exploratory study examines how gender is related to the type and number of retirement income
sources pre-retirees age 50-70 expect. The effects of marital status, household income, education,
age, community size, and health, on 10 retirement sources were analyzed. Income was the variable
most related to the total number of retirement income sources. The model was more predictive for
women than men. Women’s employment, marital status, and social role as primary caregiver all
point to different knowledge of, and expectations for, their retirement income.
Key Words: Retirement, Financial well-being, Gender, Financial planning
Unpublished appendix: Logistic regressions (Acrobat format)
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1. Virginia W. Junk, Associate Professor, Family and Consumer Sciences, University of Idaho, Moscow, Idaho 83844-3183. Phone: (208)885-7264,
Fax: (208)885-5751. E-mail: firstname.lastname@example.org
2. Linda K. Fox, Professor, Family and Consumer Sciences, University of Idaho, Moscow, Idaho 83844-3188. Phone: (208)885-5778, Fax:
(208)885-5751. E-mail: email@example.com
3. Martha Einerson, Ph.D., Assistant Professor, Communications, University of Idaho, Moscow, Idaho 83844-1072. Phone: (208)885-6458. E-mail:
4. Linda K. Taff, M.S., Graduate Student, Family and Consumer Sciences, University of Idaho, Moscow, Idaho 83844-3183. Phone: (208)885-5984.
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