Purpose: The main purpose of this study is to investigate the effect of culture, social group, and future perspective on retirement planning behavior with the moderating role of financial literacy.
Method: The research method is applied in terms of purpose and causal in terms of method. The investigated population was the employees of Haft branch of social security organization in Tehran and Morgan's sampling table was used to determine the sample size. The method of collecting field information and the tool of collecting the questionnaire, which was used to design the questions from the articles of Tomar et al. (2021) and Ghadvan et al. (2022). The validity of the questions was confirmed through content, face, and construct validity. Then, Cronbach's alpha coefficient and SPS software were used to confirm the reliability, and the reliability of all variables was higher than 0.7, which is due to the validity of the questionnaire.
Findings:The hypotheses were analyzed using structural equation modeling and in Smart PLS 4 software.
The results indicate that the variables of culture, perspective towards the future and social group with the moderating role of financial literacy have a significant positive effect on retirement planning behavior and the variables of social group, culture with the moderating role of financial literacy and perspective towards the future with the reciprocal role of financial literacy on Retirement planning behavior has no significant effect.
Conclusion: Outlook towards the future can affect financial risk taking, so that there is a three-way interaction between risk taking, financial planning knowledge and outlook towards the future that affects retirement savings.
 
 
 

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