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Experimental Psychology (Russia)
2025. Vol. 18, no. 3, 150–165
doi:10.17759/exppsy.2025180310
ISSN: 2072-7593 / 2311-7036 (online)

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

 
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Abstract

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.

General Information

Keywords: retirement planning, economic-psychological maturity, pre-retirees, economic socialization, psychometric model check

Journal rubric: Social Psychology

Article type: scientific article

DOI: https://doi.org/10.17759/exppsy.2025180310

Funding. The study was supported by the Russian Science Foundation, project number 24-28-00422.

Received 20.02.2025

Revised 10.04.2025

Accepted

Published

For citation: Drobysheva, T.V., Tarasov, S.V., Larionov, I.V. (2025). Economic-psychological maturity as predictor of pre-retirement planning: psychometric check of the model. Experimental Psychology (Russia), 18(3), 150–165. (In Russ.). https://doi.org/10.17759/exppsy.2025180310

© Drobysheva T.V., Tarasov S.V., Larionov I.V., 2025

License: CC BY-NC 4.0

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Information About the Authors

Tatiana V. Drobysheva, Doctor of Psychology, Leading Researcher, Laboratory of Social and Economic Psychology, Institute of Psychology of the Russian Academy of Sciences, Professor, Department of Psychology and Pedagogical Anthropology, Institute of Humanities and Applied Sciences, Moscow State Linguistic University, Moscow, Russian Federation, ORCID: https://orcid.org/0000-0002-9578-4463, e-mail: tdrobysheva@mail.ru

Semyon V. Tarasov, Candidate of Science (Psychology), research fellow, Laboratory of Psychology of Creativity, Thinking and Insight, Institute of Psychology of the Russian Academy of Sciences, lecturer, State Academic University for Humanities; junior research fellow, Institute of Philology and Intercultural Communication, Research Laboratory "Multidisciplinary Text Studies",Kazan (Volga Region) Federal University, Moscow, Russian Federation, ORCID: https://orcid.org/0000-0001-8790-7219, e-mail: sementarasovvas@gmail.com

Ivan V. Larionov, Researcher, Laboratory of Social and Economic Psychology, Institute of Psychology of the Russian Academy of Sciences (IP RAS), Lecturer, State Academic University for Humanities, Moscow, Russian Federation, ORCID: https://orcid.org/0009-0008-7013-5089, e-mail: ivlar16@gmail.com

Contribution of the authors

Tatiana V. Drobysheva — model of the study; annotation, writing and design of the manuscript; planning of the research; control over the research.

Semen V. Tarasov — application of statistical, mathematical or other methods for data analysis; conducting the experiment; data collection and analysis; visualization of research results.

Ivan V. Larionov — annotation, writing and design of manuscript data collection and analysis.

All authors participated in the discussion of the results and approved the final text of the manuscript.

Conflict of interest

The authors declare no conflict of interest.

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