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BELİRLENMİŞ KATKI ESASLI EMEKLİLİK PLANLARINDA FİNANSAL EĞİTİMİN ÖNEMİ: KATILIMCILARIN FİNANSAL OKUR YAZARLIĞI ÇERÇEVESİNDE ALTERNATİF BİR YATIRIM EĞİTİMİ MODELİ

THE IMPORTANCE OF FINANCIAL EDUCATION IN DEFINED CONTRIBUTION PENSION PLANS: AN ALTERNATIVE INVESTMENT EDUCATION MODEL WITHIN THE CONTEXT OF BENEFICIARIES’ FINANCIAL LITERACY

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Abstract (2. Language): 
In the defined contribution pension plans, improvement in financial literacy of beneficiaries or constitution of a minimum investment culture for beneficiaries is of strategic importance for the socioeconomic development of society. In fact, most of the academic and social research done in many developed and developing countries strongly indicate that beneficiaries do not have adequate financial literacy and knowledge. The aim of this study is to reveal the necessity of investment education from the beneficiaries’ perspective in defined contribution pension plans, in other words, this study aims at evaluating the financial literacy level of potential beneficiaries and developing an alternative investment curriculum for basic investment education. The results show that investment education can remarkably scale up the financial knowledge of the subjects who participate in the survey and this outcome is verified with the help of statistical analysis.
Abstract (Original Language): 
Belirlenmiş katkı esaslı emeklilik planında katılımcıların finansal okur yazarlığının artırılması veya katılımcılarda asgari finansal yatırım kültürünün oluşturulması, toplumun sosyo ekonomik gelişimi için stratejik öneme sahip bir süreçtir. Çünkü, gelişmiş ve gelişmekte olan pek çok ülkede yapılan akademik ve sosyal araştırmaların büyük çoğunluğu, belirlenmiş katkı esaslı emeklilik planı katılımcılarının yeterli finansal okur yazarlığının bulunmadığına işaret etmektedir. Bu çalışmanın amacı, belirlenmiş katkı esaslı emeklilik planlarında, katılımcılar açısından yatırım eğitiminin gerekliliğini (bireylerin finansal bilgi birikimi ve donanımı çerçevesinde) ortaya çıkarmak, diğer bir ifadeyle belirlenmiş katkı esaslı emeklilik planlarının muhtemel katılımcılarının finansal okur yazarlığının ölçülmesi ve temel yatırım eğitimine ilişkin alternatif çözüm uygulamaları geliştirmektir. Araştırma sonucunda elde edilen verilerin analizinden, yatırım eğitimi programının deneklerin finansal bilgi birikimi ve donanımlarını dikkat çekici ölçüde artırdığı gözlenmiş ve bu durum yapılan istatistiksel analiz yardımıyla da doğrulanmıştır.
151-176

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