Expectativas de la planeación financiera para el retiro de padres de familia

The demographic transition that Mexico is going through will impose great challenges on this nation, since it is projected that the number of older adults will increase significantly in the coming decades. The economic security of this age group is one of those challenges that could be faced through the financial planning that people have carried out at opportune moments throughout their lives. Method: This research is quantitative, cross-sectional and correlational. Using four multiple linear regression models, the relationship between the expectations of financial planning for retirement, self-perceived financial knowledge for the retirement stage, clarity of financial goals in the retirement stage, future outlook and influence was analyzed. For this, the questionnaire designed by Koposko, Bojorquez, Perez and Hershey was used, which consists of five latent variables measured through 16 items with a seven-point Likert scale and which was previously validated in the context in which it was applied in this research. The questionnaire was applied to a non-probabilistic sample of parents of new university students from the departments of Industrial Engineering and Economic-Administrative Sciences of the National Technological Institute of Mexico in Celaya. Results: Expectations of financial planning for retirement depend on self-perceived financial knowledge and this, in turn, on the clarity of financial goals in the retirement stage. On the other hand, the prospect of the future determines the clarity of financial goals in the retirement stage. The influence of the parents of the participants in this research, on the other hand, positively impacts the perspective of the future. Discussion: Some of the findings of this research coincide with the existing literature, however, it is necessary to deepen the study of this model in different contexts and with other age groups so that it is possible to contribute to the promotion of financial planning for retirement. considering the influence that fathers and mothers exert in this regard, since in this way economic security could be promoted in old age.