Yatırım Danışmanı Açısından Yatırımcıların Tasarruf Eğilimlerini Etkileyen Faktörler Üzerine Bir Araştırma

Yıl 2017, Cilt: 4 Sayı: 2, 70 - 80, 01.07.2017

Mehmet Arslan , Zühal Küçükçakal

Öz

Yatırım, iktisadi olarak dönemler arası tüketim değişimi olarak tanımlanır. Bireyler  gelecekteki tüketim miktarını reel anlamda artırmak amacıyla tasarrufta bulunurlar. Bu tasarrufların yatırım araçlarına tahsisi, takibi ve performans ölçümünün özel uzmanlık gerektirmesi nedeniyle “yatırım danışman”larından destek alırlar. Bu amaçla çalışmamızda yatırım danışmanları açısından yatırımcıların tasarruf eğilimlerini etkileyen faktörleri belirlemek üzere kamu ve özel banka çalışanlarına  dört yüz  anket uygulanmıştır .Araştırma sonucunda,  müşterilerin tasarruf eğilimlerini etkileyen; yatırım ufku risk toleransı gibi kavramlara değinilmiş ve sonuçlardan hareketle öneriler sunulmuştur.

Anahtar Kelimeler

yatırım, yatırımcı, tasarruf

A Research On The Factors Affecting Investments Saving Benefits In Investment Advisor

Öz

Investment is defined as
intertemporal substitution of consumption between current period with that of
predetermined future consumption. Individuals motivation for savings is to
increase the amount of future consumption in real terms. These savings are
mediated and managed by "investment advisors" as it requires special
expertise in investment techniques, monitoring and performance measurement. To
this end, four hundred questionnaires were applied to public and private bank
investment advisors in order to determine the factors affecting investors'
savings tendencies private investors from the point of view of investment
advisors. Result of the survey revealed that, factors such as investment
horizon, risk tolerance and investment experience have important effect on
investment decisions

Anahtar Kelimeler

Investment, Investor, Savings, Investment Experience, Risk Tolerance

Kaynakça

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