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Employees’ Attitude Towards Retirement Planning During Pandemic of Covid-19 in Malaysia

Table 3: Discriminant validity - heterotrait-monotrait ratio (HTMT)

Attitude towards Retirement Financial Awareness Financial Knowledge Financial Planning Retirement Goal Clarity
Attitude towards Retirement
Financial Awareness 0.605
Financial Knowledge 0.552 0.543
Financial Planning 0.613 0.650 0.685
Retirement Goal Clarity 0.496 0.555 0.659 0.693
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