{"id":45960,"date":"2016-06-21T21:28:47","date_gmt":"2016-06-21T18:28:47","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=45960"},"modified":"2016-06-22T08:45:24","modified_gmt":"2016-06-22T05:45:24","slug":"parayi-kimse-kandiramaz","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/parayi-kimse-kandiramaz\/","title":{"rendered":"Kaz\u0131m \u00c7ilo\u011flu &#8211; Paray\u0131 kimse kand\u0131ramaz!"},"content":{"rendered":"<p><strong><em>Merkez bankas\u0131 gene faizleri indirdi ama para piyasas\u0131 bunu dikkate alacak m\u0131? \u0130\u015fte kocaman bir soru i\u015fareti gibi g\u00f6r\u00fcnse de, asl\u0131nda bu d\u00fc\u015fen faizlere, mevcut enflasyona ve getirisine bak\u0131ld\u0131\u011f\u0131nda, kimse paras\u0131n\u0131 bu faizlerle muhatap etmez.<\/em><\/strong><\/p>\n<p>E\u011fer bizde mevduat\u0131n artmas\u0131 isteniyorsa?<\/p>\n<p>Enflasyon art\u0131 en az iki puan \u00fcst\u00fc mevduat faizi olmal\u0131 ki para, olas\u0131 riskleri g\u00f6ze als\u0131n ve yat\u0131r\u0131m i\u00e7in bankalara gelsin\u2026<\/p>\n<p>Birde rakamsal de\u011ferlere g\u00fcven olu\u015fmal\u0131 ki bu k\u0131yaslamalar sa\u011fl\u0131kl\u0131 olsun, yoksa ger\u00e7ekleri yans\u0131tmayan bir ortamda, elbette gene para sabun gibi elden kay\u0131p gidecektir!<\/p>\n<p>Bir \u00f6rnekleme yapal\u0131m;<\/p>\n<p>Enflasyon y\u0131ll\u0131k olarak, y\u00fczde 7,5 olsun<\/p>\n<p>\u0130ki puan ekledi\u011fimizde ise mevduat faizi 9,5 olmal\u0131 ki cazibe olu\u015fsun demi\u015ftik peki bu kadar\u0131 da yeterli mi?<\/p>\n<p>Elbette hay\u0131r zira bu y\u00fczde 9,5 faiz net de\u011fil y\u00fczde 15 stopaj an\u0131nda kesilmektedir!<\/p>\n<p>O halde net getiri, 9,5&#215;0,85= y\u00fczde 8,076 oluyor, yani enflasyona g\u00f6re, sadece net getiri yar\u0131m puan ve y\u00fczde 0,5076\u2026<\/p>\n<p>O halde bu farka, y\u00fczde iki net getiri sa\u011flamak i\u00e7inde, 7,5\/0.85= y\u00fczde 8.83+2= 10,83<\/p>\n<p>Demek ki baz ald\u0131\u011f\u0131m\u0131z, 7,5 enflasyona g\u00f6re, e\u011fer bir mevduat, y\u00fczde 10,83 faizde tutuluyorsa, bu cazip alg\u0131lanacak bir getiridir.<\/p>\n<p>Ancak bu de\u011ferin iki puan alt\u0131, s\u0131f\u0131r getiri, daha alt\u0131 ise anaparan\u0131n al\u0131m g\u00fcc\u00fcnde d\u00fc\u015f\u00fc\u015f ya da negatif getiri demektir.<\/p>\n<p>Di\u011fer bir ifade ile mevduattan para t\u0131rt\u0131klamakt\u0131r!<\/p>\n<p>Bu \u00f6ncesinde de denendi, ama yabanc\u0131lar ilk uyananlar, sonra da yerli mevduat g\u00f6zlerini a\u00e7\u0131p, pe\u015finden d\u00f6vize, alt\u0131na ya da borsaya y\u00f6neliyor\u2026<\/p>\n<p>Ta\u015f\u0131ma suyla, ekonomi de\u011firmeni d\u00f6nmedi\u011fi gibi, paray\u0131 da kimse kand\u0131ramaz ve sanal rakamlarla aptal yerine koyamaz\u2026<\/p>\n<p>Bu, d\u00fcnya ekonomi literat\u00fcr\u00fcnde hi\u00e7 g\u00f6r\u00fclmedi\u011fi gibi, bir ba\u015far\u0131 sa\u011flayaca\u011f\u0131n\u0131 sanmak da, en b\u00fcy\u00fck ekonomik kand\u0131rmaca ve yan\u0131lg\u0131d\u0131r\u2026<\/p>\n<p>S\u00f6z\u00fcn \u00f6z\u00fc;<\/p>\n<p>Kand\u0131r\u0131lan para de\u011fil, paran\u0131 sahibidir!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez bankas\u0131 gene faizleri indirdi ama para piyasas\u0131 bunu dikkate alacak m\u0131? \u0130\u015fte kocaman bir soru i\u015fareti gibi g\u00f6r\u00fcnse de, asl\u0131nda bu d\u00fc\u015fen faizlere, mevcut&hellip;<\/p>\n","protected":false},"author":10,"featured_media":0,"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":[808,801,912],"class_list":["post-45960","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-kazim-ciloglu-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45960","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\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=45960"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45960\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=45960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=45960"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=45960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}