Evidence map›Paper›PMID 41289083›Full record

ArticleThe Gerontologist2025

Differences in retirement knowledge and financial preparedness between Hispanic and non-Hispanic White older adults in the United States.

Luisa R Blanco, Anna Choi, Ron D Hays

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Article in The Gerontologist, 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 1 paper.

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1citing papers in PubMed
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1 · What the graph read from it

What it found

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2 · The registry

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3 · Its place in the literature

Who cites it

1 citing paper in PubMed.

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4 · The record

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5 · Who and what money

Authors and funding

3 authors.

Luisa R BlancoSchool of Public Policy, Pepperdine University, Malibu, California, United States.
Anna ChoiDepartment of Public Administration, Sejong University, Seoul, Republic of Korea.ORCID 0000-0003-1276-3577
Ron D HaysDepartment of Medicine, University of California, Los Angeles, Los Angeles, California, United States.

Funding

UCLA Clinical Translational Science InstituteUL1TR001881 · NCATS · UNIVERSITY OF CALIFORNIA LOS ANGELES · PI ARLEEN F. BROWN, ARASH NAEIM · 2016 to 2026
$118.1M
The Center for Health Improvement of Minority ElderlyP30AG021684 · NIA · UNIVERSITY OF CALIFORNIA LOS ANGELES · PI Homero Erwin del Pino · 2002 to 2026
$19.7M
National Institute of Health UL1TR001881NCATS NIH HHS UL1 TR001881NIA NIH HHS P30 AG021684University of California, Los Angeles
6 · The paper itself

Abstract

BACKGROUND AND

objectivesWe assess differences in retirement knowledge between older Hispanic and non-Hispanic White adults, and the extent to which individual, household, and neighborhood characteristics account for these differences. We also evaluate whether the relationships of retirement knowledge with financial outcomes (i.e., wealth) and health differ between Hispanic and non-Hispanic White older adults. RESEARCH DESIGN AND

methodsWe analyzed the Retirement Knowledge Scale (RKS) included in the 2020 Health and Retirement Study (N = 1,350). We use a regression approach with a Blinder-Oaxaca decomposition analysis.

resultsThe average RKS was significantly lower among Hispanic than among White older adults. The top three factors explaining differences in retirement knowledge between Hispanic and White older adults were educational attainment, financial literacy, and neighborhood socioeconomic characteristics. RKS was significantly (p < .05) and positively associated with financial account balances and the likelihood of reporting very good or excellent health. We find that the association of RKS with wealth is of smaller magnitude for Hispanic than for White older adults. However, the relationship between retirement knowledge and health did not differ across racial/ethnic groups. Finally, differences between Hispanic and White older adults on the RKS were larger for men than for women. DISCUSSION AND IMPLICATIONS: The results suggest that reducing gaps in financial literacy and education, and acknowledging the role of neighborhood characteristics, can be helpful channels for reducing differences in retirement preparedness among Hispanic and White older adults. It is also significant that retirement knowledge is more strongly linked to wealth among White older adults.

Indexed as

Hispanic or LatinoRetirementWhiteAgedAged, 80 and overEducational StatusFemaleHumansMaleMiddle AgedSocioeconomic FactorsUnited StatesHealthOlder adultsRetirement knowledgeRetirement preparedness

Identifiers

PMID41289083
PMCPMC12710657

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Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.