Factors shaping retirement patterns a Pull factors: These primarily consist of financial incentives which are pullingolder workers into retirement a Push factors: These consist mainly of factors which restrict the available set of attractive job opportunities open to older workers and thus"push them into retirement U N I KASSEL VER SIT AT8 Factors shaping retirement patterns  Pull factors: These primarily consist of financial incentives which are “pulling” older workers into retirement.  Push factors: These consist mainly of factors which restrict the available set of attractive job opportunities open to older workers and thus “push” them into retirement