经济与管理2025，Vol.39Issue(6)：56-63,8.
灵活工作时间、弹性退休年龄与一生收入
Flexible Working Time,Flexible Retirement Age,and Lifetime Income
摘要
Abstract
With the increasing aging of the population,in order to maximize the lifetime income of individuals,this paper considers the choice of working time and retirement age under the uncertainty of labor income and investment returns and then derives the optimal life-cycle asset allocation model for individuals.The uncertainty of labor income and investment returns affects retirement and asset al-location models in complex ways.The negative impact of the labor market and high stock returns encourages young people to reduce working time and buy more annuities and then make early retirement decisions.This flexibility is conducive to enhancing personal wel-fare.In addition,the research results also indicate that labor income in an individual's life cycle follows a V-shaped pattern.If individ-uals are allowed to choose the retirement age flexibly,there will be obvious discontinuous consumption at retirement and a low subscrip-tion rate of pensions by elderly families.关键词
生命周期/工作时间/退休年龄/投资组合Key words
life cycle/working time/retirement age/investment portfolio分类
经济学引用本文复制引用
王云多..灵活工作时间、弹性退休年龄与一生收入[J].经济与管理,2025,39(6):56-63,8.基金项目
黑龙江省社会科学规划基金项目(22RKB166) （22RKB166）
