Özet:

Individuals want to turn some of their earnings into investment in order to maintain the living standard in the active working period and in the retirement period. In accordance with this request, they aim to obtain a second income that will be added to the pension income by participating in the individual pension systems. Individuals can make unrational decisions on the server of environmental or psychological impacts while making investment decisions within the individual pension system. The aim of this study is to examine the financial behavior of the individual retirement system participants towards the individual retirement system. According to the survey, more than 464 people living in the Erzincan province and participating in the individual pension system have been surveyed. SPSS and AMOS programs have analyzed the results of the survey. The scale of accumulation and BES used in the study consists of three dimensions (the purpose of accumulation, the basic level of knowledge of the BES, the approach to the BES). Behavioral financial trends are dealt with in five dimensions (excessive confidence, excessive optimism, avoidance of regret, avoidance of loss, tendency to represent). Between the dimensions of the accumulation and BES scale and the behavioral financial trends have been identified mainly positive meaningful relationships.

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