Economic-psychological maturity as predictor of pre-retirement planning: psychometric check of the model

Context and relevance. The problem of economic and psychological determinants of retirement planning in Russian psychology has not been sufficiently studied. Based on the cognitive and systemic approaches, we present a model of the relationship between the economic-psychological maturity of pre-retirees and the process of retirement planning. Objective: empirical verification of the model of the relationship between economic and psychological maturity and retirement planning. Hypotheses. The contribution of indicators of economic and psychological maturity will differ at different stages of retirement planning. Economic responsibility and activity can be considered as the main predictors of retirement planning among pre-retirees in Russia. Methods and materials. The study was conducted using the Anketolog platform in 2024. The sample included 400 participants (mean age = 51.35, standard deviation = 4.47), including 201 men and 199 women. The study used the following methods: “The Process Of Retirement Planning Scale” by J. Noone, S. Stephens, and F. Alpass (2024), “Personal Financial Autonomy Scale” (Drobysheva et al., 2024), questionnaires: “Responsibility for Economic Well-Being”, “Economic Tolerance towards Others”, “Attitudes Towards Economic Activity” (Drobysheva, 2023). Results. The general and gender-specific interrelationships of the phenomena studied are described. The economic-psychological maturity (independent variables) indicator’s contribution varies at different stages of planning. The most significant connections were found at the first two stages and the last stage of planning. It is shown that economic-psychological maturity in the subgroup of women of pre-retirement age predicts decision-making lesser than in the subgroup of men, but to a greater extent — the goal-setting process. Conclusions. The verification of the model has shown the importance of economic and psychological maturity in the planning process for retirement by pre-retirees. Conclusions about the practical relevance of these findings for social and financial organizations that provide support for retirement are drawn.