Publication: Bireysel emeklilik sisteminde fonların yönetimi, Türkiye uygulamaları, örnek ülkelerle karşılaştırılması
Abstract
İnsanlar, tarih boyunca geleceğe güvenle bakabilmek için bir şekilde birikim yapmayı arzulamıştır. Bu birikimi gerek bir kurumda gerekse yastık altında yapmıştır. Bankalar ve aracı kurumlar ise bu işi profesyonelce yapmak için Bireysel Emeklilik Sistemi’ni geliştirmişlerdir. Bireysel emeklilik tasarrufa esasına dayalı, kişinin emekli olduğunda kullanabileceği ek gelir olarak tanımlanabilir. Ülkemiz için henüz yeni sayılan bu sistemde; katılımcı, gözlemci ve temsilci kurum olmak üzere üçlü bir döngü mevcuttur. Katılımcı emekli olduğunda hayat kalitesini yükseltmek için çalışma hayatı boyunca yatırım yapar, gözlemci devlet tarafından görevlendirilmiş olup sistemi denetler, temsilci kurum ise katılımcının birikimlerini değerlendirerek ek kazanç sağlar. Çalışmada Türkiye’de ve Dünya’da Bireysel Emeklilik sistemi uygulamaları ve karşılaştırmaları yapılmış olup, bu karşılaştırmalar sonucunda ülkemizde sistemin eksikleri belirlenmeye çalışılmıştır. reysel emeklilik, fon, ülke, karşılaştırma
Along the human history, people always wish to save in order to look to the future in confident. They did this saving either in a saving institution or under the pillow. Banks and brokerage foundations, on the other hand, developed Individual Pension System in order to do this business in a professional manner. Individual pension can be described as a saving-based additional income that a person can use it when he/ she get retired. As a fairly new system for our country, this system evolves around three cycles which are participants, auditors and representative institutions. Participant makes investments during his/ her whole work-life in order to elavuate his/ her life quality in the retirement period; auditor, assigned by the government, audits the system; and the representative institution puts to good use of participant’s savings, thus provides additional income. In the present study, a comparison of Individual Pension Systems that are in effect in Turkey and in the World was conducted and according to the result of this comparison the lacks of the system applied in our country was tried to be found. Turkey, individual pension, fund, country, comparison
Along the human history, people always wish to save in order to look to the future in confident. They did this saving either in a saving institution or under the pillow. Banks and brokerage foundations, on the other hand, developed Individual Pension System in order to do this business in a professional manner. Individual pension can be described as a saving-based additional income that a person can use it when he/ she get retired. As a fairly new system for our country, this system evolves around three cycles which are participants, auditors and representative institutions. Participant makes investments during his/ her whole work-life in order to elavuate his/ her life quality in the retirement period; auditor, assigned by the government, audits the system; and the representative institution puts to good use of participant’s savings, thus provides additional income. In the present study, a comparison of Individual Pension Systems that are in effect in Turkey and in the World was conducted and according to the result of this comparison the lacks of the system applied in our country was tried to be found. Turkey, individual pension, fund, country, comparison