TÜRKİYE’DE BİREYSEL EMEKLİLİK FONLARINA GENEL BİR BAKIŞ

Öz

Bu çalışmada, küresel emeklilik piyasalarındaki son gelişmeler ve Türkiye’de bireysel emeklilik reformu ile 2003 yılı sonrası gelişmeler üzerine odaklanılarak bireysel emeklilik fonları piyasası (gönüllü Bireysel Emeklilik Sistemi kapsamında) genel olarak değerlendirilmiştir. Literatür incelemesi bulguları göstermiştir ki Türkiye’de gönüllü bireysel emeklilik (sistemi) fonlarının ortaya çıkışı, toplam tasarruf oranı ve sermaye piyasası gelişimini olumlu etkilemiştir. Bireysel emeklilik fonları, müşterileri için emeklilik sonrasında ek gelir imkanı sunarlar. Gönüllü bireysel emeklilik sistemine katılımın artması ve sistemde kalma süresinin anlamlı derecede artırılabilmesini temin etmek için, mevcut sistemin daha sadeleşmiş olarak yeniden inşa edilmesi gerekli görülmektedir.

Anahtar Kelimeler

• Emeklilik Fonları
• Emeklilik
• Gelişmekte Olan Ülkeler
• Türkiye

AN OVERVIEW OF VOLUNTARY PRIVATE PENSION FUNDS IN TURKEY

Abstract

We provide an overview of the voluntary pension fund market in Turkey by starting with recent developments in the global pension markets and then focusing on the pension fund reform in Turkey and the following developments since 2003. Findings from the literature indicate that the reforms on the introduction of voluntary pension funds in Turkey have positive implications for the overall national savings rates and capital market development. Voluntary pension funds create extra income for beneficiaries after their retirement. However, redesigning the system in a simplified structure is necessary in order to increase participation, inclusion and also to ensure persistency.

Keywords

• Pension Funds
• Retirement
• Developing Countries
• Turkey

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