近年來，隨著勞工退休規劃意識抬頭、投資理財資訊取得容易，越來越多人對於自己的資產安排有了更強烈的自主管理意識，其中由政府開辦的勞工退休金除了雇主強制提撥(6%)之外尚可進行自願提撥(6%)，此退休金由於採取遞延課稅，不會計入在職期間的個人綜合所得稅，可以達到節稅的效果，同時強化退休經濟穩健。過去研究者多以各式勞退制度、退休信心調查等面向進行研究，鮮少以個人行為、意願、意識等層面進行探討。因此本研究旨在綜合個人條件、個人退休規劃意識、財務行為與DISC人格特質四大構面，探討其對於勞退自提意願的影響。根據研究結果顯示，勞退自提於不同的個人條件下會產生不同影響，同時參與勞退自提者較不受到財務行為影響，雖然他們的退休規劃意識未必強烈，最後， DISC不同人格特質之間並不會於勞退自提產生差異，但是可以觀察到不同人格特質之間對於特定財務行為偏誤具有顯著影響。綜合而論，本研究希望透過分析勞退自提之意願，藉此找尋勞退自提率過低的關鍵痛點並且提出相關之改善建議，同時基於本研究發現之財務行為偏誤提出警示。

In recent years, as awareness of retirement planning among workers has grown and access to investment and financial information has become easier, more individuals are taking a proactive approach to managing their personal assets. In Taiwan, the government’s Labor Pension system allows for both mandatory employer contributions (6%) and optional voluntary employee contributions (up to 6%). These voluntary contributions are tax-deferred and are not included in an individual’s comprehensive income tax during employment, thereby providing tax-saving benefits while strengthening financial security in retirement.Past research has primarily focused on various aspects of the labor pension system and surveys on retirement confidence, with relatively few studies exploring individual behaviors, intentions, and awareness. Therefore, this study aims to examine how four key dimensions—personal conditions, retirement planning awareness, financial behavior, and DISC personality traits—affect the willingness to make voluntary labor pension contributions.The findings reveal that willingness to contribute voluntarily to the labor pension varies based on individual conditions. Participants who engage in voluntary contributions tend to be less influenced by financial behaviors, even though they may not have a strong awareness of retirement planning. Furthermore, while DISC personality traits do not significantly differentiate willingness to contribute voluntarily, they do show a significant impact on specific financial behavior biases.Overall, this study seeks to identify the key barriers contributing to the low rate of voluntary labor pension contributions and to propose relevant improvement recommendations. Additionally, it highlights financial behavior biases identified in the study as areas warranting attention and caution.

目次	vi
圖目錄	iv
表目錄	v
第一章 緒論	1
第一節 研究背景與動機	1
第二節 研究目的及限制	4
一、研究目的	4
二、研究限制	4
第三節 研究流程與架構	4
第二章 文獻回顧	6
第一節、人口變數	6
第二節、財務行為	7
一、羊群效應	7
二、錨定效應	8
三、過度自信	9
第三節、退休規劃意識	10
一、概述	10
二、勞工退休金	12
三、私校退撫制度	13
四、好享退&自選平台	14
第四節、DISC人格特質	14
第三章 研究方法	18
第一節 問卷設計與研究架構	18
一、問卷設計	18
二、問卷對象與調查	18
三、研究架構	18
第二節 研究假設	19
一、各構面假設	19
二、操作性變數假設	25
第四章 實證結果	31
第一節 基本統計變量	31
一、人口變量	31
二、信度與效度分析	35
三、敘述性統計	40
第二節 變項關聯與差異分析	43
一、交叉分析與卡方檢定	43
二、Pearson相關性分析	49
三、獨立樣本T檢定	50
四、One-Way ANOVA單因子變異數分析	55
五、其他綜合分析	58
第三節、實證結果總表	63
第五章 結論與建議	65
第一節 研究結論	65
一、年輕族群可能對於勞退自提具有較高意願	65
二、勞退自提者受到的財務行為偏誤影響較小	66
三、退休規劃意識越高者不信任勞退自提	66
四、人格特質不影響勞退自提的選擇	66
五、退休規劃意識越高者越容易受到財務行為影響	67
第二節 研究建議	67
一、對後續研究者的建議	67
二、對政府機關的建議	68
三、對退休投資規劃相關公司的建議	69
參考文獻	71
附錄	76
圖目錄
圖1-1台灣消費者物價基本分類指數年增率	1
圖1-2台灣老年人口占比(包含預估)	2
圖1-3勞工退休基金累積收益率	3
圖1-4論文架構	5
圖3-1研究架構	18
表目錄
表2-1 DISC人格特質	15
表3-1人口統計問項	25
表3-2財務行為問項	26
表3-3退休規劃意識問項	27
表4-1人口變量彙整表	33
表4-2財務行為偏誤之信度分析	36
表4-3退休規劃意識之信度分析	36
表4-4 DISC人格特質之信度分析	37
表4-5問卷構面之信度分析	38
表4-6整體問卷之效度分析	39
表4-7問卷構面之效度分析-解說總變異量	39
表4-8財務行為偏誤之平均數及標準差	40
表4-9退休規劃意識之平均數及標準差	42
表4-10交叉分析-勞退自提&年齡	44
表4-11交叉分析-勞退自提&年齡(組距調整)	44
表4-12交叉分析-勞退自提&教育程度	45
表4-13交叉分析-勞退自提&撫養子女人數	46
表4-14交叉分析-年齡&撫養子女數	46
表4-15交叉分析-勞退自提&個人年所得	47
表4-16交叉分析-勞退自提&個人年所得(組距調整)	47
表4-17交叉分析-年齡&個人年所得	48
表4-18交叉分析-勞退自提&DISC人格特質	49
表4-19 Pearson相關性分析-財務行為&退休規劃意識	50
表4-20財務行為對勞退自提獨立樣本T檢定	51
表4-21財務行為對勞退自提獨立樣本T檢定	51
表4-22財務行為子題對勞退自提獨立樣本T檢定	52
表4-23退休規劃意識對勞退自提獨立樣本T檢定	53
表4-24退休規劃意識對勞退自提獨立樣本T檢定	53
表4-25自選平台對勞退自提獨立樣本T檢定	53
表4-26財務行為子題對勞退自提獨立樣本T檢定	54
表4-27 One-Way ANOVA單因子變異數分析-DISC人格特質	55
表4-28 One-Way ANOVA單因子變異數分析-	56
表4-29 One-Way ANOVA單因子變異數分析-	56
表4-30 One-Way ANOVA單因子變異數分析-DISC人格特質	57
表4-31 One-Way ANOVA單因子變異數分析-	58
表4-32交叉分析-勞退自提&羊群效應	59
表4-33交叉分析-勞退自提&錨定效應	59
表4-34交叉分析-勞退自提&過度自信	59
表4-35退休規劃意識對羊群效應獨立樣本T檢定	60
表4-36退休規劃意識對錨定效應獨立樣本T檢定	60
表4-37退休規劃意識對過度自信獨立樣本T檢定	61
表4-38交叉分析-DISC人格特質&羊群效應	61
表4-39交叉分析-DISC人格特質&錨定效應	62
表4-40交叉分析-DISC人格特質&過度自信	62
表4-41實證結果表	                        63

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