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I'm willing to save for my retirement but I don't want to get "old" Analysis of the effects of ageism stereotypes and age anxiety

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  • Olivier Nicolas

    (LARSH - Laboratoire de Recherche Sociétés & Humanités - UPHF - Université Polytechnique Hauts-de-France - INSA Hauts-De-France - INSA Institut National des Sciences Appliquées Hauts-de-France - INSA - Institut National des Sciences Appliquées)

  • Richard Ladwein
  • Amira Berriche

Abstract

I'm willing to save for my retirement but I don't want to get "old" Analysis of the effects of ageism stereotypes and age anxietyAbstract: Unlike other forms of discrimination, there is little scientific research on ageism. Its scope is limited to health and the workplace, and results show that negative stereotypes most often result in decreased performance. The purpose of this research is to understand the effects of negative age stereotypes and age anxiety on the willingness to save for retirement in an increasingly aging society. A quantitative study was administered online on a sample based on an access panel (Crowdpanel). A structural equation modeling approach was conducted using the LAVAAN R package. It was completed by the analysis of mediations with the Process package. The results show that negative age stereotypes increase aging anxiety and risk tolerance, which reduces willingness to save for retirement. Negative age stereotypes and age anxiety have no indirect effect. In contrast, age anxiety increases risk aversion, which increases willingness to save. The study provides recommendations for bank managers, government, and associations for the elderly, to implement appropriate marketing actions to combat ageism and encourage saving for retirement.

Suggested Citation

  • Olivier Nicolas & Richard Ladwein & Amira Berriche, 2023. "I'm willing to save for my retirement but I don't want to get "old" Analysis of the effects of ageism stereotypes and age anxiety," Post-Print hal-05577494, HAL.
    • Handle: RePEc:hal:journl:hal-05577494
    Note: View the original document on HAL open archive server: https://uphf.hal.science/hal-05577494v1
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