Tinguha, Lovely, and Romario Ybanez. “Determinants of Investment Decisions Among Retirables: Towards an Investment Planning Model”. Jɫ̳ Multidisciplinary ɫ̳ 51, no. 1 (January 26, 2023): 88–108. Accessed June 7, 2025. /index.php/jpair/article/view/218.