FINANCIAL PLANNING BEHAVIOR FOR RETIREMENT OF THE PERSONNAL IN RAJAMANGALA UNIVERSITY OF TECHNOLOGY TAWAN-OK, CHANTHABURI CAMPUS

The purposes of this research were to study the following: (1) Behavior (2) Factors affecting behavior and (3) Financial planning model for retirement of the personel at Rajamangala University of Technology Tawan-ok, Chanthaburi Campus. The total of 97 samples were collected. Using a purposive sampling. An important instrument used to collect data was the questionnaires. The researchers employed descriptive and inferential statistics, such as frequency, percentage, average, and standard deviation. and multiple regression analysis. The findings of the study revealed that the in retirement planning behavior, there is a preparation after retirement (83.33%), savings and investments in style of bank deposits (79.38%), no fixed proportion of savings (32.99%). The factors of preparing for retirement had the greatest impact on financial planning (3.51). The factors of current income size had the moderate impact on financial planning (3.22), The factors of Current cost size had the moderate impact on financial planning (3.15). The factors of debt burden had the low impact on financial planning (2.33). The factors of return from savings had the moderate impact on financial planning (3.12). The factors of the certainty of the expected income level after retirement had the moderate impact on financial planning (3.31). A found appropriate investment and savings model is associated with 1) Provident Fund 2) Government Pension Fund 3) cooperative stock and 4) set/ securities.