A Study on Retired Persons in Kashmir

The present study is conducted to study the persons in Kashmir Valley and to compare the retired persons in Kashmir on the basis of their Gender and Dwelling. The study reveals that majority of the retired persons were from to district Srinagar, while as minimum number of retired persons bel Shopian. It is indicated that majority retired males and maximum retired females are found as per their gender. Majority of retired males belong to district Srinagar, followed by district Baramulla and district Anantnag. Majority of retired persons are found in rural areas, while as maximum number of retired persons are found in urban population. Majority of rural population are found in Baramulla district, followed district Anantnag.


INTRODUCTION
The word ''retire'' means leave one's job and cease to work, especially because one has reached a particular age. Retirement is a period of restful activity or it can mean the loss of valued routines and sometimes outright boredom. Retirement is the act of retiring or the state of being retired. That is to with draw oneself from business public life or and to remove from active service. The transition to retirement, however, is frequently characterized as a multidimensional and dynamic process in which no two individuals are alike to have the same experience (Shultz & Wang, 2011).The major life event in older adulthood is retirement from work because it serves as a marker of @ IJTSRD | Available Online @ www.ijtsrd.com | Volume -2 | Issue -4 | May-Jun 2018 The present study is conducted to study the retired persons in Kashmir Valley and to compare the retired persons in Kashmir on the basis of their Gender and Dwelling. The study reveals that majority of the retired persons were from to district Srinagar, while as minimum number of retired persons belong to district Shopian. It is indicated that majority retired males and maximum retired females are found as per their gender. Majority of retired males belong to district Srinagar, followed by district Baramulla and district persons are found in rural areas, while as maximum number of retired persons are found in urban population. Majority of rural population are found in Baramulla district,

Retired Persons, Kashmir, Gender,
The word ''retire'' means leave one's job and cease to work, especially because one has reached a particular age. Retirement is a period of restful activity or it can mean the loss of valued routines and sometimes is the act of retiring or the state of being retired. That is to with draw oneself from business public life or and to remove from active service. The transition to retirement, however, is frequently characterized as a multidimensional and in which no two individuals are alike to have the same experience (Shultz & Wang, 2011).The major life event in older adulthood is retirement from work because it serves as a marker of the transition from pre-retirement midlife to the new life phase as sensor citizen (Ekert, 2010). The person is confronted with new social roles, challenges, expectations and opportunities, all of which in turn can influence the well being of a person. The most important personal factors that influence mainly retirement decisions are marital status, healthy condition and socio-economic situation, among others (Feldman, 1994). Large behavioural occur after retirement, which is almost always a remarkable life event, as a consequence of shocks to time discounting, incomes or beliefs about the future. Transitioning out of the workforce represents one such critical moment for lifestyle modification. It is associated with changes in time flexibility and availability, social networks and contacts, financial security, income etc., all of which are related to lifestyle (Cutler and Glaeser, 2005). It is associated with changes in time flexibility and availability, social networks and contacts, financial security, income etc., all of which are related to lifestyle. Retiremen also bring opportunities to rethink habitual lifestyle and establish new routines in later life. Thus, transition into could provide a window of opportunity for positive behavioural changes.

REVIEW OF LITERATURE
Reseakotter and Garris (2001) conducte the "relationship between retirement planning, use of time, and psychological adjustment to retirement. Significant differences were found when comparing with retirees, indicated they had done to prepare for retirement and what they believed a was important for people to have done. Kim  incomes or beliefs about the future. Transitioning out of the workforce represents one such critical moment for lifestyle modification. It is associated with changes in time flexibility and availability, social networks and contacts, financial come etc., all of which are related to lifestyle (Cutler and Glaeser, 2005). It is associated with changes in time flexibility and availability, social networks and contacts, financial security, income etc., all of which are related to lifestyle. Retirement may also bring opportunities to rethink habitual lifestyle and establish new routines in later life. Thus, transition into could provide a window of opportunity changes.

RATIONALE OF STUDY:
Retirement is regarding as a period of restful activity or it can mean the loss of valued routines and sometimes outright boredom. Retirement has been considered as one of the most important later life status transitions. The experience to retirement may promote a sense of well-being, as the employees move out of demanding or stressful jobs. But, on the other hand, the retirement passage may itself lead to deteriorated well being, as individuals lose their occupational attachments, their major anchor for their identities, their social network etc. The pre-retirees and workers are woefully unprepared for their retirement years. Most of the employees have insufficient savings to support themselves in retirement. Many households are unfamiliar even about the most basic economic concepts needed to make saving and investments decisions. Many people cannot afford to retire, since they prepared late for retirement. The present study is proposed because the retired persons are confronted with new personal and social roles, challenges, expectations and opportunities, all of which in turn can influence the well being of a person.
Assessing retirement adjustment and psychological well being among retired persons in Kashmir will provide an insight into their overall life situations, problems faced by them, their coping strength and psychological well being.

MATERIALS AND METHODS:
The present study is conducted in Kashmir region. The study is based on whole population of retired persons from March 2008-2017 for 10 years. For the present study secondary source of data has been used to collect the information. The main source of information was gathered from Accountant General Kashmir (AG's Office Kashmir).      Majority of the retired persons were from to district Srinagar, while as minimum number of retired persons belong to district Shopian. It is indicated that majority retired males and maximum retired females are found as per their gender. Majority of retired males belong to district Srinagar, followed by district Baramulla and district Anantnag. Majority of retired persons are found in rural areas, while as maximum number of retired persons are found in urban population .Majority of rural population are found in Baramulla district, followed district Anantnag. Minimum rural populations are found in district Shopian. Majority of the urban population are found in district Srinagar, followed by district Anantnag. Retirees financial, physical and psychological well being has important influences on their longetivity and morality. They also influence retirees work related behaviours. It was found that, workers who had participated in the pre-retirement plans/ programs adjusted better than those who have not. Retirement is increasingly recognized as one of the significant turning points in the life career of an individual, or least for the majority of adults who have spent all or much of the later part of their lives in the labor force. Attitude toward retirement has been found to influence employees' decision to retire, in one's planning for retirement and in one's satisfaction with retirement (Adams & Lax, 2002).