A Study on The Factors Influencing Individual Retirement Fund Choices

Yıl 2015, Sayı: 103, 21 - 50, 30.04.2015

Selim Aren , Sibel Dinç Aydemir Arzu Rahime Uçar

https://doi.org/10.33203/mfy.307217

Cited By: 2

Öz

This study aims to identify factors having impact on
retirement fund choices and to establish guiding elements for financial
advisors. For this purpose, the conveniently chosen sample was employed. Discriminant
analysis shows that age, education and risk taking behavior are relatively
important to fund choice and presents a function predicting which fund individuals
could select according to these mentioned factors. Additionally, ANOVA shows that
certain aspects of risk perception vary according to fund type.

Anahtar Kelimeler

Individual retirement fund choice, emotional intelligence, financial literacy, risk perception, risk taking

Bireysel Emeklilik Fon Tercihlerini Etkileyen Unsurlar Üzerine Bir Çalışma

Öz

Bu çalışmanın amacı, bireysel emeklilik fon tercihlerini
etkileyen değişkenleri ve finansal danışmanlara tavsiyede bulunurken rehberlik
edecek unsurları belirlemektir. Bunun için kolayda örnekleme yöntemiyle bireysel
emeklilik sistemine katılmış bireylerden oluşan örneklem kullanılmıştır. Diskriminant
analiziyle yaş, eğitim ve risk alma davranışının fon tercihinde görece yüksek öneme
sahip olduğu tespit edilmiş, bireylerin seçeceği fon türünü tahminleyen bir
fonksiyon hesaplanmıştır. Ayrıca, risk algısının değişip değişmediği ANOVA ile
araştırılmış, fon türüne göre risk algısının bazı boyutlarında değişiklik
olduğu tespit edilmiştir.

Anahtar Kelimeler

Bireysel emeklilik fon tercihi, duygusal zeka, finansal okuryazarlık, risk algısı ve risk alma

Kaynakça

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