ROLES OF PENSION AND RETIREE’S STANDARD OF LIVING

ABSTRACT

This research work examined roles of pension and retiree’s standard of living. The specific objectives were to determine the extent to which the new pension scheme has improved the welfare of the retired employee in Nigeria, to determine the relationship between pension and standard of living of retired employee, to examine the extent to which the new pension scheme can guarantee a minimum living standard for the retired civil servants in Nigeria and lastly to evaluate the extent to which the new Pension Act 2004 addressed the problem of fund diversion, corruption and inadequate budgetary allocation. In order to achieve these objectives, the study adopted quantitative research design while the population was civil servant retirees of federal institutions. The sample size was 100 selected civil servant retirees of federal institutions which will comprise of both male and female obtained using simple non probability sampling technique. Chi-square statistical tool was used as the statistical tool for testing the postulated hypotheses. Findings showed that that new pension scheme would be able to increase the standard of living of retired civil servants in Nigeria. Finally, that the new Pension Act 2004 will significantly address the problem of fund diversion, corruption and inadequate budgetary allocation. It was therefore recommended PENCOM must ensure that the administrators and custodians abide by the rules of the pension game in order to ensure their efficient and effective performance. Also The public must be regularly enlightened and adequately keep abreast of development in the pension industry by the Commission and the administrators.


TABLE OF CONTENTS
Pages
Title Page i
Certification ii
Dedicationiii
Acknowledgmentsiv
Abstractv
Table of Contents vi
List of Tablesviii
CHAPTERONE
1.1Background of the Study1
1.2Statement of the Problem3
1.3Aim and Objectives of the Study4
1.4Relevant Research Questions4
1.5Relevant Research Hypotheses5
1.6Significance of the Study5
1.7Scope of the Study6
1.8Definition of Terms6
References8
CHAPTER TWO: LITERATURE REVIEW
2.1 Preamble9
2.2 Theoretical Framework11
2.3The Concept of Retirement 15
3
2.4Divisions of the Pension Scheme 21
2.5The Contributory Pension
30
2.6Investment of Pension Fund 36
References38
CHAPTER THREE: RESEARCH METHODOLOGY
3.1 Preamble44
3.2 Research Design 44
3.3 Population of Study 44
3.4 Sampling Procedure and Sample size 44
3.6 Data Collection Instrument and Validation45
3.7 Method of Data Analysis45
3.8 Limitation of Methodology45
References47
CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
4.1 Preamble48
4.2 Presentation and Analysis of Data 53
4.3Test of Hypotheses59
References63
CHAPTER FIVE: SUMMARY CONCLUSION AND RECOMMENDATIONS
5.1 Summary 63
5.2 Conclusion 65
5.3 Recommendations 66
Bibliography 68
4

Appendix75