Journal article
(Original article)


Sparmotive von jungen, mittelalten und älteren Erwachsenen - Erste Ergebnisse eines neuen Inventars zur Erfassung lebenslaufbezogener Sparmotive


Publication Details
Author(s): Rager B, Lang F, Wagner GG
Publisher: Springer Verlag (Germany)
Publication year: 2012
Volume: 45
Journal issue: 8
Pages range: 742-747
ISSN: 0948-6704

Abstract

There is some research on personal reasons for saving money in the economic sciences. However, not much is known about the age differences of saving motives. In this vein, the future time perspective (FTP) is known to play a critical role for motivation across the life span. In this study, we introduce a new Saving Motive Inventory (SMI), which also covers saving goals after retirement. Furthermore, it is argued that additional saving motives that are not based on economic models of life-cycle saving also exist. In accordance with the socio-emotional selectivity theory, we explored age differences in an online survey with 496 participants from young (19-44 years), middle-aged (45-64 years), and older (65-86 years) adulthood, who completed a questionnaire on saving motives, personality, and future-related thinking (e.g., Future Time Perspective Scale, Life Orientation Test). Results of the explorative Factor Analysis (EFA) are consistent with the theoretical expectations. The factors are generativity, educational investment, consumption, indifference, and provision for death and dying. Together these five factors account for 67% of the variance. In general, the inventory is reliable and valid with respect to the expected internal and external criteria. It contributes to better understanding of saving motives over the lifespan, especially with respect to effects of the future time perspective. © Springer-Verlag Berlin Heidelberg 2012.



How to cite
APA: Rager, B., Lang, F., & Wagner, G.G. (2012). Sparmotive von jungen, mittelalten und älteren Erwachsenen - Erste Ergebnisse eines neuen Inventars zur Erfassung lebenslaufbezogener Sparmotive. Zeitschrift für Gerontologie und Geriatrie, 45(8), 742-747. https://dx.doi.org/10.1007/s00391-012-0322-6

MLA: Rager, Bernd, Frieder Lang, and Gert G. Wagner. "Sparmotive von jungen, mittelalten und älteren Erwachsenen - Erste Ergebnisse eines neuen Inventars zur Erfassung lebenslaufbezogener Sparmotive." Zeitschrift für Gerontologie und Geriatrie 45.8 (2012): 742-747.

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