การพัฒนาโปรแกรมจำลองแผนการเกษียณอายุ

Abstract

Personal financial planning is the key factor in helping develop the nation by providing people the opportunity to sustain quality living during their professional career as well as after retirement. Therefore, this independent study aims to develop an application for effective retirement plan for people to initiate at the beginning of their career up to the period of actual retirement. The retirement planning application will also enable the users to have better perception of their future financial condition which is essential for the general public to understand. This study began with the researcher studying the needs of the application user by in-depth interviews which divided interviewees by using their occupation and status in both government and private sectors. The result of the interview showed the forms of saving and investing for retirement and expectation of users when using the application. This study also interviewed two financial experts to gather information regarding their consultation on the topic of personal saving and investment for retirement plan. The application was created from above user requirement and utilized by a group sample of 30 people in addition to doing a questionnaire to find out if the application is applicable and practical for real users. Results showed that most of the users found the application easy to use and had suitable options for their investment and spending. Furthermore, the application enabled the user to clearly envision their retirement plan and stimulate their interest in creating a practical retirement plan. They also added comments to improve future application such as providing more instructions regarding how to input the information, etc. Regarding other benefits of the application, users found that the application can be used as a tool as part of the preparation on their retirement plan. Furthermore, this application can also be used as a simulation tool for a particular group in related fields.