This study develops and tests a model of the predictors of financial preparedness for retirement using retirement planning knowledge and attitude as mediators. The study also compares the model across groups that choose to opt out or stay after being automatically enrolled in the private pension system. Structural equation modeling methodology is used to test the relationships between constructs using data from 600 employees (333 men, 267 women; M age = 30.12 years, SD = 8.39) from workplaces preparing to initiate automatic enrollment into the private pension system in Turkey. It is shown that both parental influence and life satisfaction are positively related to perceived financial preparedness for retirement. In contrast, pessimistic future economic perspectives have a negative effect on perceived financial preparedness for retirement. Moreover, the findings reveal a positive impact of retirement planning attitude and a negative impact of retirement planning knowledge on perceived financial preparedness. Mediating roles of retirement planning knowledge and attitude are determined. Path differences between those who opt out and those who stay enrolled in the private pension system are demonstrated. The study makes an original contribution by showing the impact of consumers’ current life satisfaction and future economic perspectives on financial preparedness for retirement. Given that retirement and financial planning studies have generally been conducted in developed countries, research investigating the predictors of financial preparedness for retirement in emerging countries remains scarce. Moreover, this study is novel in that, unlike previous works, it considers mediating factors. Finally, a further contribution is made by examining differences in the model between individuals who choose to stay within the private pension system and those who choose to opt out.

本研究使用退休计划知识和态度作为中介，开发并测试了退休财务准备预测模型。该研究还比较了自动加入私人养老金系统后选择退出或留下的群体的模型。结构方程建模方法用于使用来自 600 名员工（333 名男性，267 名女性；M年龄 = 30.12 岁，SD = 8.39）来自准备开始自动加入土耳其私人养老金系统的工作场所。结果表明，父母的影响和生活满意度都与感知的退休财务准备呈正相关。相比之下，悲观的未来经济前景对预期的退休财务准备有负面影响。此外，研究结果揭示了退休计划态度的积极影响和退休计划知识对感知财务准备的消极影响。确定了退休规划知识和态度的中介作用。选择退出的人和继续参加私人养老金系统的人之间的路径差异得到了证明。该研究通过展示消费者当前的生活满意度和未来的经济前景对退休财务准备的影响做出了原创性贡献。鉴于退休和财务规划研究通常在发达国家进行，调查新兴国家退休财务准备预测因素的研究仍然很少。此外，这项研究的新颖之处在于，与以前的作品不同，它考虑了中介因素。最后，通过检查选择留在私人养老金体系内的人和选择退出的人之间的模型差异，做出了进一步的贡献。鉴于退休和财务规划研究通常在发达国家进行，调查新兴国家退休财务准备预测因素的研究仍然很少。此外，这项研究的新颖之处在于，与以前的作品不同，它考虑了中介因素。最后，通过检查选择留在私人养老金体系内的人和选择退出的人之间的模型差异，做出了进一步的贡献。鉴于退休和财务规划研究通常在发达国家进行，调查新兴国家退休财务准备预测因素的研究仍然很少。此外，这项研究的新颖之处在于，与以前的作品不同，它考虑了中介因素。最后，通过检查选择留在私人养老金体系内的人和选择退出的人之间的模型差异，做出了进一步的贡献。