Retirement Planning Among Financially Vulnerable Workers

Zafira Shabrina
In many contexts, workers bear disproportionate personal responsibility for their retirement — whether because they lack employer-sponsored pensions (e.g., the self-employed) or because national social security systems provide inadequate coverage. This project examines the psychological and contextual factors that hinder or facilitate retirement planning in these populations. It comprises a scoping review mapping who has and has not been studied in the retirement planning literature, three surveys of British and Dutch self-employed workers (N = 1,213), and a survey of Indonesian employed workers navigating an underdeveloped national pension system (N = 689).