{"id":21440,"date":"2012-11-26T09:23:05","date_gmt":"2012-11-26T07:23:05","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=21440"},"modified":"2012-11-26T09:53:29","modified_gmt":"2012-11-26T07:53:29","slug":"inanilmaz-sonuclar","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/inanilmaz-sonuclar\/","title":{"rendered":"\u0130nan\u0131lmaz Sonu\u00e7lar!&#8230;"},"content":{"rendered":"<p>\u0130nan\u0131lmaz Sonu\u00e7lar!<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-756547834\"><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>Bug\u00fcn \u00e7ok ilgin\u00e7 baz\u0131 sonu\u00e7lar\u0131 sizlerle payla\u015faca\u011f\u0131m. Eminim bir \u00e7o\u011funuz bireysel emeklilik konusunda az da olsa bilgi sahibisinizdir. Bireysel emeklilik sistemi 2003 y\u0131l\u0131nda hayata ge\u00e7ti ve uygulamaya konuldu\u011fundan bu yana fonlar\u0131n tutar\u0131 \u00e7ok b\u00fcy\u00fcd\u00fc. Her ay az bir yat\u0131r\u0131m yaparak ileride emekli olduklar\u0131nda toplu bir paraya kavu\u015fmak isteyenler bu sisteme giriyorlar.<\/p>\n<p>Varsayal\u0131m ki bireysel emeklilik sistemindesiniz. Bu sistem i\u00e7inde portf\u00f6y\u00fcn\u00fcz\u00fcn yap\u0131s\u0131n\u0131 sizler olu\u015fturabiliyorsunuz. Kimi emeklilik fonlar\u0131nda \u0130steyen y\u0131lda d\u00f6rt veya alt\u0131 defa bu portf\u00f6y\u00fc de\u011fi\u015ftirebiliyor. Bu portf\u00f6y\u00fcn i\u00e7inde \u00e7e\u015fitli risk yap\u0131lar\u0131n\u0131 yans\u0131tan fonlar var. Ben b\u00fcy\u00fcme ama\u00e7l\u0131 hisse senedi fonlar\u0131n\u0131 ayr\u0131nt\u0131l\u0131 olarak analiz ettim. Burada verilen tabloda 2003\u2019den itibaren her y\u0131l hangi b\u00fcy\u00fcme ama\u00e7l\u0131 bireysel emeklilik hisse fonunun y\u00fczde ka\u00e7 getiri sa\u011flad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Bo\u015f h\u00fccreler o y\u0131l o fonun hen\u00fcz kurulmam\u0131\u015f oldu\u011funu g\u00f6steriyor. Buraya kadar bir sorun yok.<\/p>\n<p>\u015eimdi s\u0131k\u0131 durun. E\u011fer bir ki\u015fi, her y\u0131l bitti\u011finde, yeni y\u0131l ba\u015flarken, ge\u00e7en y\u0131l\u0131n en y\u00fcksek getirisini sa\u011flayan fonun t\u00fcm\u00fcne paras\u0131n\u0131 yat\u0131rsayd\u0131 ne olurdu? Soruyu a\u00e7arsak, 2003\u2019de en y\u00fcksek getiri sa\u011flayan fon BNP Paribas\u2019d\u0131. 2004\u2019\u00fcn ba\u015f\u0131nda bu fona yat\u0131r\u0131m yapsayd\u0131, 2004 sonunda getirisi %31.7 olacakt\u0131. Varsayal\u0131m ki bu ki\u015fi tesad\u00fcf eseri 2003 y\u0131l\u0131nda en y\u00fcksek getiri sa\u011flayan BNP Paribas fonuna yat\u0131r\u0131m yapsayd\u0131 2003 ba\u015f\u0131ndaki 100 TL\u2019si 2004 y\u0131l\u0131 sonunda 123.7 TL olacakt\u0131. Dolay\u0131s\u0131yla 2004 ba\u015f\u0131nda da BNP Paribas fonuna paras\u0131n\u0131 koyacakt\u0131 ve 123 TL\u2019si 162.8 TL olacakt\u0131. E\u011fer bu mant\u0131kla devam ederseniz, yani bu y\u0131l ge\u00e7en y\u0131l\u0131n \u015fampiyonuna param\u0131n tamam\u0131n\u0131 yat\u0131rsayd\u0131m, SIKI DURUN!.. 2012 y\u0131l\u0131 30 Ekim itibariyle toplam param sadece 114.2 TL oluyordu (9 y\u0131lda toplam %14.2 getiri.)<\/p>\n<p>Ba\u015fka biri de her yeni y\u0131l ba\u015flarken, ge\u00e7en y\u0131l\u0131n en \u00e7ok kaybettiren fonuna yat\u0131r\u0131m yapsayd\u0131 ne olurdu? \u00d6rne\u011fin tesad\u00fcf eseri, 2003 y\u0131l\u0131 ba\u015f\u0131nda YKB Ulusl. Tekn. Fonuna yat\u0131r\u0131m yapsayd\u0131 100 liras\u0131 2004 ba\u015f\u0131nda 94.8 TL olacakt\u0131. 2004 Ba\u015f\u0131nda yine en \u00e7ok zarar ettiren bu fona yat\u0131r\u0131m yapsayd\u0131 2004 sonunda paras\u0131 97 TL oluyordu. B\u0131 mant\u0131kla devam etseydi ve her sene sonuncu olan fona paras\u0131n\u0131 yat\u0131rsayd\u0131 \u015fimdi daha da SIKI DURUN!.. 2012 30 Ekim itibariyle toplam paras\u0131 528.1 TL oluyordu. \u0130nanmayan oturup bu tablodan hesap yaps\u0131n. NEDEN BU SONU\u00c7LAR ORTAYA \u00c7IKTI? Sonraki yaz\u0131m\u0131zda de\u011finece\u011fiz. \u00a0(Grafi\u011fi b\u00fcy\u00fctmek i\u00e7in t\u0131klay\u0131n\u0131z).<\/p>\n<p><a href=\"http:\/\/www.bilgeyatirimci.com\/wp-content\/uploads\/2012\/11\/emeklilik-hisse-fonlari-yeni-tablo.png\" data-wpel-link=\"internal\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-21443\" title=\"emeklilik hisse fonlari-yeni tablo\" src=\"http:\/\/www.bilgeyatirimci.com\/wp-content\/uploads\/2012\/11\/emeklilik-hisse-fonlari-yeni-tablo-300x127.png\" alt=\"\" width=\"300\" height=\"127\" srcset=\"https:\/\/www.bilgeyatirimci.com\/wp-content\/uploads\/2012\/11\/emeklilik-hisse-fonlari-yeni-tablo-300x127.png 300w, https:\/\/www.bilgeyatirimci.com\/wp-content\/uploads\/2012\/11\/emeklilik-hisse-fonlari-yeni-tablo-1024x435.png 1024w, https:\/\/www.bilgeyatirimci.com\/wp-content\/uploads\/2012\/11\/emeklilik-hisse-fonlari-yeni-tablo.png 1337w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><a href=\"http:\/\/www.bilgeyatirimci.com\/wp-content\/uploads\/2012\/11\/emeklilik-hisse-fonlari-yeni-tablo.png\" data-wpel-link=\"internal\"><br \/>\n<\/a><a href=\"http:\/\/www.bilgeyatirimci.com\/wp-content\/uploads\/2012\/11\/emeklilik-hisse-fonlari-yeni-tablo.png\" data-wpel-link=\"internal\"><br \/>\n<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130nan\u0131lmaz Sonu\u00e7lar! Bug\u00fcn \u00e7ok ilgin\u00e7 baz\u0131 sonu\u00e7lar\u0131 sizlerle payla\u015faca\u011f\u0131m. Eminim bir \u00e7o\u011funuz bireysel emeklilik konusunda az da olsa bilgi sahibisinizdir. Bireysel emeklilik sistemi 2003 y\u0131l\u0131nda&hellip;<\/p>\n","protected":false},"author":102,"featured_media":9297,"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-21440","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\/21440","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\/102"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=21440"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/21440\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/9297"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=21440"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=21440"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=21440"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}