Table 4.

Means and standard deviations of female and male pre-retirees and retirees on each of the 9 RCI components and the overall retirement confidence index score.

Retirement Confidence Index (RCI) Components	Pre-retiree				Retiree
	Overall	Male	Female	Female vs Male Pre-Retirees	Overall	Male	Female	Female vs Male Retirees	Pre-Retirees vs Retirees
	Mean (SD)	Mean (SD)	Mean (SD)	t (p)	Mean (SD)	Mean (SD)	Mean (SD)	t (p)	t (p)
Overall score	62.58 (14.79)	64.52 (15.15)	61.18 (14.40)	2.81 (.005)	67.47 (13.79)	67.80 (13.36)	67.06 (14.34)	.65 (.51)	−6.04 (<.001)
Financial literacy	61.42 (27.18)	69.85 (26.05)	55.72 (26.24)	7.37 (.001)	65.15 (27.97)	70.72 (25.36)	58.62 (29.48)	5.98 (<.001)	−2.62 (.008)
Financial anxiety	66.63 (26.99)	69.19 (26.34)	64.75 (27.39)	2.23 (.02)	78.20 (22.99)	79.81 (21.74)	76.38 (24.33)	2.00 (.04)	−8.89 (<.001)
Financial control	66.68 (20.01)	66.44 (20.55)	66.76 (19.64)	−.21 (.82)	71.02 (17.72)	70.32 (17.07)	71.88 (18.48)	−1.17 (.23)	−4.42 (<.001)
Financial attitudes and behaviour	60.23 (19.03)	61.81 (19.16)	59.03 (18.83)	1.97 (.04)	64.81 (17.88)	66.05 (17.24)	63.32 (18.52)	2.03 (.04)	−4.74 (<.001)
Mental health	60.26 (21.74)	61.42 (21.81)	59.41 (21.73)	1.23 (.21)	62.87 (20.32)	62.02 (20.60)	63.96 (19.89)	−1.26 (.20)	−2.35 (.01)
Physical health	67.98 (18.00)	71.70 (16.77)	65.43 (18.41)	4.61 (<.001)	71.73 (15.20)	73.29 (13.97)	69.80 (16.27)	3.01 (.002)	−4.19 (<.001)
Social connectedness	70.75 (24.76)	70.48 (24.19)	70.90 (25.24)	−.23 (.81)	73.64 (23.67)	71.96 (23.27)	75.38 (24.03)	−1.93 (.05)	−2.29 (.02)
Goal setting	46.76 (25.97)	49.69 (26.23)	44.58 (25.56)	2.66 (.007)	56.92 (25.03)	58.64 (23.94)	55.14 (26.11)	1.87 (.06	−7.63 (<.001)
Future uncertainties	53.56 (19.41)	55.28 (19.16)	52.35 (19.56)	2.06 (.03)	57.24 (18.78)	56.62(18.48)	57.89 (19.19)	−.90 (.36)	−3.71 (<.001)

Note: SD, Standard deviation. Significant P values (<.05) are bolded. All RCI scores were calculated such that a higher score is desirable.