The purpose of this study was to determine the factors affecting male and female workers’ retirement confidence. Retirement confidence in this study was measured with series of questions on confidence about retirement income prospects. Using the 1999 Retirement Confidence Survey, it was found that working men compared to women; who were younger; had higher levels of education; higher levels of income; positive financial attitudes and behaviors; lower level of risk aversion; received employer financial education; and were savers had higher levels of retirement confidence. With an understanding of retirement confidence, planners and benefit providers can better serve their clients. Key words: Gender differences, Retirement planning, Retirement and employees

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