{"id":57805,"date":"2019-06-20T11:24:44","date_gmt":"2019-06-20T08:24:44","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=57805"},"modified":"2019-06-20T11:24:46","modified_gmt":"2019-06-20T08:24:46","slug":"tasarruf-piyasasinda-yeni-arac-heyecani","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/tasarruf-piyasasinda-yeni-arac-heyecani\/","title":{"rendered":"Tasarruf piyasas\u0131nda yeni ara\u00e7 heyecan\u0131"},"content":{"rendered":"<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-76091350\"><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>Finansal \u00fcr\u00fcnlerde enflasyona endeksli ara\u00e7lar yayg\u0131nla\u015f\u0131yor. Uygulama kamu bankalar\u0131 taraf\u0131ndan \u00f6nce mevduatta, sonra kredilerde ba\u015flat\u0131ld\u0131. Mevduatta belli bir ilgi g\u00f6rd\u00fc\u011f\u00fc de ifade ediliyor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:list &#8211;><\/p>\n<ul>\n<li>Mevduatta enflasyona endeksli hesap i\u00e7in, bir y\u0131l ve \u00fcst\u00fc vade \u015fart\u0131 var. Verilen faiz ise enflasyonun \u00fczerine 5 puan. Bu 5 puandan vade bir y\u0131l ve \u00fcst\u00fc olaca\u011f\u0131 i\u00e7in stopaj\u0131 kesilmeyecek. Yani 5 puan\u0131n 5\u2019i de net getiri olarak yans\u0131yacak.<\/li>\n<li>Y\u00fczde 5 iyi bir faizdir. \u00c7\u00fcnk\u00fc T\u00fcrkiye\u2019nin uzun vadeli b\u00fcy\u00fcme oran\u0131 y\u00fczde 4.5. Verilen faiz de reel olarak b\u00fcy\u00fcme civar\u0131nda. Milli gelir art\u0131\u015f\u0131yla paralel giden ve onun gerisinde kalmayan bir finansal getiri elde ediliyor.<\/li>\n<\/ul>\n<p>&#8211; \/wp:list &#8211;><\/p>\n<p>&#8211; wp:heading {&#8220;level&#8221;:4} &#8211;><\/p>\n<h4>MEVDUATTA 10 YILLIK B\u0130LE\u015e\u0130K GET\u0130R\u0130 % 4.1<\/h4>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n<p>&#8211; wp:list &#8211;><\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-643133636\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\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<ul>\n<li>Bir de ge\u00e7mi\u015f d\u00f6nemde verilen faiz oranlar\u0131na k\u0131yasla daha y\u00fcksek bir reel getiri s\u00f6z konusu olacak. Ge\u00e7mi\u015f 10 y\u0131l\u0131n hi\u00e7birinde mevduat y\u00fczde 5 getiriyi yakalayamad\u0131. \u00d6zellikle k\u00fcresel kriz sonras\u0131 faiz oranlar\u0131n d\u00fc\u015fmesinin de etkisiyle T\u00fcrkiye\u2019de mevduata uygulanan faiz en fazla y\u00fczde 2.4 oldu. Yani en y\u00fcksek y\u0131l\u0131nda bile bug\u00fcn verilen enflasyona endeksli mevduat\u0131n getirisinin yar\u0131s\u0131nda bir faiz s\u00f6z konusu.<\/li>\n<li>Her y\u0131l yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131n getirilerini hesapl\u0131yoruz. Mevduat\u0131 da en yayg\u0131n vade olan \u00fc\u00e7 ayl\u0131k faizi baz alarak izliyoruz. 2009\u2019da y\u00fczde 2.4, 2010\u2019da y\u00fczde 0.2, 2011\u2019de y\u00fczde -3.2, 2012\u2019de y\u00fczde 1.6, 2013\u2019te y\u00fczde 0.1, 2014\u2019te y\u00fczde 0.4, 2015\u2019te y\u00fczde 0.8, 2016\u2019da y\u00fczde 1.9, 2017\u2019de y\u00fczde 1.5 ve 2018\u2019de y\u00fczde -1.5 reel yani y\u0131ll\u0131k t\u00fcketici enflasyonundan ar\u0131nd\u0131r\u0131lm\u0131\u015f ve stopaj\u0131 kesilmi\u015f net getiri s\u00f6z konusu.<\/li>\n<\/ul>\n<p>&#8211; \/wp:list &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>-10 y\u0131l\u0131n aritmetik ortalamas\u0131 sadece y\u00fczde 0.45\u2019lik y\u0131ll\u0131k getiri. Bile\u015fik getiri yani mevduat\u0131n \u00e7ekilmeden ayn\u0131 vadeyle yenilendi\u011fi varsay\u0131m\u0131yla 10 y\u0131l boyunca olu\u015fan faiz geliri de y\u00fczde 4.1 kadar. 10 y\u0131l boyunca bankada kalan \u00fc\u00e7 ayl\u0131k mevduat\u0131n toplam reel getirisi y\u00fczde 4.1. Bir yerde mevduat\u0131n getirisi damla damla ak\u0131yor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3772503889\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\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>&#8211; wp:paragraph &#8211;><\/p>\n<p><a href=\"http:\/\/bit.ly\/pb-borfin-portfoy-yonetimi-1\" rel=\"external nofollow noopener\" data-wpel-link=\"external\" target=\"_blank\"><span style=\"color: #3366ff;font-weight:bold;\">KAZANDIRACAK H\u0130SSELER\u0130 NASIL SE\u00c7MEL\u0130? \u00d6\u011eRENMEK \u0130\u00c7\u0130N HEMEN TIKLA!<\/span><\/a><\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:heading {&#8220;level&#8221;:6} &#8211;><\/p>\n<h6>Yaz\u0131n\u0131n devam\u0131 i\u00e7in TIKLAYINIZ.<\/h6>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8211; wp:paragraph &#8211;> Finansal \u00fcr\u00fcnlerde enflasyona endeksli ara\u00e7lar yayg\u0131nla\u015f\u0131yor. Uygulama kamu bankalar\u0131 taraf\u0131ndan \u00f6nce mevduatta, sonra kredilerde ba\u015flat\u0131ld\u0131. Mevduatta belli bir ilgi g\u00f6rd\u00fc\u011f\u00fc de ifade&hellip;<\/p>\n","protected":false},"author":994,"featured_media":0,"comment_status":"open","ping_status":"closed","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":[862,808,801],"class_list":["post-57805","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-abdurrahman-yildirim-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/57805","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=57805"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/57805\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=57805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=57805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=57805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}