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立 政 治 大 學
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透過分析的結果可以發現，薪資水準較低的勞工較容易發生過度悲觀的情形，
由於許多民眾對政府及雇主退休金不了解，其實臺灣勞保年金提供不錯的所得替 代率，民眾可能會忽略這部分對退休生活的影響，而導致有過度悲觀的現象，政 府機關可以透過宣傳讓民眾更清楚知道這一部分的保障，降低部分民眾過度悲觀 的情形。
而薪資水準較高的勞工，主要是收入會超過勞保的投保薪資上限後，政府及 雇主退休金提供所得替代率會大幅下降的民眾，若想要維持相同所得替代率，需 要準備更多的退休金，避免儲蓄過少金額。本研究認為最後建議即便是高所得的 民眾都也應先以達到 60%所得替代率為目標，在確認可以達到後此次目標後，在 以達到 80%所得替代率為目標，
第三節 研究限制與未來研究建議
由於本研究採用問卷資料建構模型，在研究過程中乃是受到部分限制，方能 得出本研究之估算結果，故將研究限制及未來研究建議說明如下：
一、由於本研究使用問券的資料，進行民眾退休準備估算，部分資料僅提供 範圍，並沒有精確的數字，計算上以中位數進行估算，因此本研究的估算結果可 能受到問券設計的影響，建議未來進行相關研究時可更清楚詢問部分變數。
二、本研究並未考量勞工薪資成長率、離職可能性、民眾資產配置資料、是 否擁有房地產等狀況，做為估算的假設，此外並無法獲得民眾真實薪資與投保薪 資實際資料，僅能與自行假設進行調整，但仍無法確認真實差距，仍造成估算上 的誤差，研究設計與設計上可能不夠全面，仍可改進。
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