{"id":14433,"date":"2012-04-20T12:48:20","date_gmt":"2012-04-20T10:48:20","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=14433"},"modified":"2012-04-20T12:48:27","modified_gmt":"2012-04-20T10:48:27","slug":"bes-ile-borsaya-gelen-artik-daha-cok-beslenir","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bes-ile-borsaya-gelen-artik-daha-cok-beslenir\/","title":{"rendered":"BES ile Borsaya Gelen Art\u0131k Daha \u00c7ok Beslenir"},"content":{"rendered":"<p>Bireysel emeklilik sistemine (BES) vatanda\u015f 100 lira koyarsa devlet de 25 lira koyacak. Asgari \u00f6deme s\u00fcresi 10 y\u0131l ve asgari emekli olma ya\u015f\u0131 56. Bu durum 10 y\u0131l sonra sanki 12.5 y\u0131l \u00f6deme yap\u0131lm\u0131\u015f gibi bir fark yarat\u0131r.<br \/>\n<strong><\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-992752701\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p><strong>GE\u00c7M\u0130\u015e PARLAK DE\u011e\u0130L:<\/strong>\u00a0Devletin katk\u0131s\u0131 \u00e7ok iyi de, BES&#8217;in ge\u00e7mi\u015f y\u0131llar performans\u0131 iyi de\u011fil. Biti\u015fikte bununla ilgili Sefer Y\u00fcksek&#8217;in haberi yer al\u0131yor.<br \/>\n\u25a0 Bireysel emeklilik sisteminde yer alan 8 ana fon grubunun 9 y\u0131ll\u0131k toplam getiri\u015fi ana yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131 yakalamaktan uzak. Hatta reel getiri bak\u0131m\u0131ndan ana yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131n tam yar\u0131s\u0131nda kal\u0131nm\u0131\u015f.<br \/>\n\u25a0 Hazine bonosunun 9 y\u0131l i\u00e7indeki reel getirisi y\u00fczde 102 ama kamu i\u00e7 bor\u00e7lanma senedine dayal\u0131 bireysel emeklilik fonlar\u0131n\u0131n ortalama reel getirisi y\u00fczde 48.<br \/>\n\u25a0 Ayn\u0131 d\u00f6nem i\u00e7in hisse senetlerinin reel getirisi y\u00fczde 117&#8217;ye geliyor. Hisse senetli bireysel emeklilik fonlar\u0131n\u0131n getirisi ise y\u00fczde 51&#8217;de kalm\u0131\u015f. En y\u00fcksek getiri de buradan sa\u011flanm\u0131\u015f zaten.<br \/>\n<strong><\/strong><\/p>\n<p><strong>\u015e\u0130MD\u0130 DE\u011e\u0130\u015eEN NE:<\/strong>\u00a0Getirilerde bu d\u00fc\u015f\u00fckl\u00fc\u011fe kar\u015f\u0131l\u0131k \u015fimdi de\u011fi\u015fen ne?<br \/>\n\u25a0 Birincisi, sisteme kat\u0131l\u0131mlar artt\u0131\u011f\u0131 oranda sigorta \u015firketlerinin y\u00f6netim masraflar\u0131 d\u00fc\u015fecek. Bu da getirileri art\u0131rabilir.<br \/>\n\u25a0 \u0130kincisi, devlet bu kadar te\u015fvik verdikten sonra herhalde bu piyasa da bir \u00e7ekid\u00fczen verme, y\u00fcksek enflasyon d\u00f6neminden kalan y\u00fcksek y\u00f6netim giderlerini d\u00fc\u015f\u00fcrme gere\u011fi duyacakt\u0131r.<br \/>\n\u25a0 Daha da \u00f6nemlisi, ge\u00e7mi\u015fteki bu getiriler \u00fczerine devletin katk\u0131 pay\u0131n\u0131n eklenecek olmas\u0131d\u0131r. Ge\u00e7mi\u015fte bordrolu \u00e7al\u0131\u015fanlara y\u00fczde 25 oran\u0131nda vergi iadesi yap\u0131l\u0131yordu. Devletin bu katk\u0131s\u0131 sistemin i\u00e7ine girmiyor, kat\u0131l\u0131mc\u0131ya kal\u0131yordu. \u015eimdi kat\u0131l\u0131mc\u0131n\u0131n BES&#8217;teki tasarrufuna eklenecek. Bu nedenle yeni d\u00f6nem getirilerine, ge\u00e7mi\u015fteki getirilere devletin katk\u0131s\u0131 kadar otomatik bir art\u0131\u015f eklenmesi beklenmeli.<br \/>\n\u25a0 Bir de sistemden \u00e7\u0131karken yap\u0131lan t\u00fcm \u00f6demelerden y\u00fczde 3.5 vergi kesintisi yeni d\u00f6nemde sadece getiriden yap\u0131lacak, ana paradan yap\u0131lmayacak. Bu da \u00f6nemli bir hak iadesi ve reel getiriyi art\u0131racak bir unsur.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <strong><a href=\"http:\/\/www.bloomberght.com\/ht-yazarlar\/abdurrahman-yildirim\/1127787-bes-ile-borsaya-gelen-artik-daha-cok-beslenir\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bireysel emeklilik sistemine (BES) vatanda\u015f 100 lira koyarsa devlet de 25 lira koyacak. Asgari \u00f6deme s\u00fcresi 10 y\u0131l ve asgari emekli olma ya\u015f\u0131 56. Bu&hellip;<\/p>\n","protected":false},"author":994,"featured_media":12631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14433","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/14433","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/994"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=14433"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/14433\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/12631"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=14433"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=14433"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=14433"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}