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This is a Literature Review study.

Determinants of Financial Retirement Planning in Malaysia: A Conceptual Paper

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Conceptual framework explores financial literacy and its effect on retirement planning in Malaysians, highlighting key determinants.

Improving financial literacy enhances retirement planning behavior among Malaysians, addressing critical concerns.
Education level, income level, and medical costs are significant determinants impacting financial retirement planning.
A holistic approach is needed to address the interplay of these factors and improve financial literacy.
This framework supports future research and guides policymakers in creating tailored financial education programs.

Kadir et al. (2025) studied this question.

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