Değişken Katkılı Bireysel Emeklilik Planları Ve Optimal Yatırım Stratejisi

Abstract

Individual pension system is a defined contribution pension plan which is based on individuals creating savings throughout their work period and generating income during their retirement period. In individual pension plans, the saver determines a particular fund target and contributes in order to reach this fund target. In this thesis, it was aimed that the saver reached this fund target and two methods were examined for this purpose. One of these methods is determining the contribution by taking fund deficit arising due to the fact that actual return is different from the expected return into account while the other one is the optimal asset allocation of the fund incurred by the fixed contributions. This thesis deals with individual pension plans with fixed contribution, which is commonly used in individual pension plans, individual pension plans with targeted contribution as an alternative to the conventional plan and determining optimal investment strategy in individual pension