Özet:

In the Turkish economy, especially the high inflation rate, the negative impact of the internal and external value of local currency by various factors, such as the pressure of the currency gap on rates, dominates the short-term behavior. As in all areas, this approach is inevitable to be effective in the development of future planning, insurance consciousness. In addition to these structural problems of the economy, there is an urgent development of financial literature in a structure where individuals have lack of knowledge on basic financial issues but are not aware of it. In other words, without removing this deficiency, as much as encouragement is given in the Individual Pension System (BES), the desired results are not achieved. In fact, both the development of financial literacy and the achievement of the desired results in the BES are related issues. Given the interaction here, it is necessary to use the tools of BES in long-term, patience-need educational activities. In our study, in creating this awareness in individuals who lack the ability to read today and forecast tomorrow, we will emphasize the importance of the complementary insurance concept, which is important for their retirement. The recommendations will be made to be successful in the financial literature training programs that will be organized by taking the BES and its tools, which is a complementary feature of the social security system.