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�� 1). ???????, ��?????????? ???? ????��, ????? ?????, 2002.3.
�� 2). ??? ?, ��?????? ???? ??��, ???????, 2000.4.
�� 3). ??? ?, ��?????? ???? ??��, ???????, 2001.5.
�� 4). ???????, ?DC? ??????? ?? ?????, 2001.9.
�� 5). ???????, ?????? ???? ??? ?? ???, 2001.
�� 6). ????, ��?????? ??? ??? ??��, ?????? ?149?, 2003.4.
�� 7). ?????, ��???? ???? ???? ? ????��, 2003. 1.
�� 8). ???????, ��2002 KLI????��, 2002. 4
�� 9). ��������, �� ??? ???????(??? 401K) ????? ? ??, ????, ??????, 2001.5.
�� 10). ɽ�� ����, ���_���������ӥ��ͥ��Υ��`�ӥ��ΑB��, ?����ꥹ��? No.1210, 2001.10.15.
�� 11). ���_����, ���ϥ��֥�å�����I����ƶȤ��P����x����, ���󥹥奢���, 1999.8.20.
�� 12). �h������, ���_���������Ό���������I��ؤ�Ӱ푡� �ձ��������U���I�W��, 2002.8.
�� 13). EBRI, Issue Brief, "Contribution Behavior of 401(k) Plan Participation", No.238, 2001.
�� 14). , Retirement Confidence Survey, 2001(http://www.ebri.org)
�� 15). Salisbury, Dallas L., The Future of Private Retirement Plans, EBRI, 2000.
�� 16). , Retirement Prospects in a Defined Contribution World, EBRI, 1997.
�� 17). U. S. Department of Labor, Pension and Welfare Benefits Administration, Private Pension Plan Bulletin, No.9, Winter 1999-2000.
�� 18). U. S. Investment Company Institute, Fundamentals, Vol.10.No.2, June 2001.