{"id":58841,"date":"2019-07-29T13:40:59","date_gmt":"2019-07-29T10:40:59","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=58841"},"modified":"2019-07-29T13:20:12","modified_gmt":"2019-07-29T10:20:12","slug":"bireysel-emeklilikte-neler-degisecek","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/bireysel-emeklilikte-neler-degisecek\/","title":{"rendered":"Bireysel emeklilikte neler de\u011fi\u015fecek?"},"content":{"rendered":"<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3019225744\"><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>Son bir y\u0131ld\u0131r Bireysel Emeklilik Sistemi (BES) hemen hemen g\u00fcndemden hi\u00e7 d\u00fc\u015fm\u00fcyor. \u00d6nce nisan ay\u0131nda a\u00e7\u0131klanan Yeni Ekonomi Program\u0131nda BES\u2019e detayl\u0131 yer verildi, \u015fimdi de Meclis\u2019ten ge\u00e7erek, Resmi Gazetede yay\u0131mlanan 11. Kalk\u0131nma Plan\u0131nda sistemde yap\u0131lacak de\u011fi\u015fiklikler madde madde s\u0131raland\u0131. G\u00f6r\u00fcnen o ki, \u00f6n\u00fcm\u00fczdeki d\u00f6nem BES\u2019te \u00f6nemli de\u011fi\u015fiklikler olacak. Bu da bug\u00fcn i\u00e7in 6.8 milyonu g\u00f6n\u00fcll\u00fc sistemde, 5.1 milyonu da \u00e7al\u0131\u015fanlar\u0131n i\u00e7inde bulundu\u011fu otomatik BES\u2019te olmak \u00fczere; toplam 12 milyona yak\u0131n ki\u015fiyi ilgilendiriyor demektir. Peki, neler de\u011fi\u015fecek?<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:heading {&#8220;level&#8221;:4} &#8211;><\/p>\n<h4><strong>SANAY\u0130 DESTEKLENECEK<\/strong><\/h4>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u00d6ncelikle 2017\u2019de ba\u015flayan ve t\u00fcm \u00e7al\u0131\u015fanlar\u0131n BES\u2019e giri\u015fine imkan sa\u011flayan otomatik kat\u0131l\u0131m uygulamas\u0131 zorunlu hale getirilecek ve ki\u015filerin kazan\u00e7lar\u0131na g\u00f6re; az geliri olandan az, \u00e7ok geliri olandan daha \u00e7ok maa\u015flardan kesinti yap\u0131lacak. Yeni sisteme i\u015fveren de kat\u0131lacak ki, bug\u00fcnk\u00fc mevcut uygulamada i\u015fveren katk\u0131s\u0131 bulunmuyor; sadece \u00e7al\u0131\u015fan\u0131n maa\u015f\u0131ndan kesinti yap\u0131l\u0131yor.&nbsp;<strong>Bu sistemle birlikte k\u0131dem tazminat\u0131 reformu da ger\u00e7ekle\u015ftirilecek \u2013ki, k\u0131dem tazminat\u0131 reformu hem Yeni Ekonomi Program\u0131nda hem de 11. Kalk\u0131nma Plan\u0131nda da yer al\u0131yor- ve i\u015fverenden, \u00e7al\u0131\u015fandan yap\u0131lan kesintiler BES ile entegre edilerek, k\u0131dem tazminat\u0131 fonu, ya da bir ba\u015fka ad\u0131yla emeklilik fonu olu\u015fturulacak.&nbsp;<\/strong>Bu de\u011fi\u015fiklik, 2020 y\u0131l\u0131nda yap\u0131lacak. Daha a\u00e7\u0131k bir anlat\u0131mla yeni olu\u015fturulacak fon, 2020 y\u0131l\u0131nda hayata ge\u00e7ecek.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2425094194\"><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<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Peki, ne kadarl\u0131k bir fondan bahsediliyor? Bu de\u011fi\u015fiklikle birlikte 2020 y\u0131l\u0131ndan 2025 y\u0131l\u0131na kadar emeklilik fonunda biriken tutar\u0131n, milli gelirin y\u00fczde 10\u2019unu a\u015faca\u011f\u0131 tahmin ediliyor ki, bu da yakla\u015f\u0131k 400 milyar lira anlam\u0131na geliyor. Yani, 2025 y\u0131l\u0131nda 400 milyar liral\u0131k emeklilik fonumuz olacak. Bug\u00fcn i\u00e7in 100 milyar liras\u0131 g\u00f6n\u00fcll\u00fc BES\u2019te, 6.5 milyar liras\u0131 da otomatik BES\u2019te olmak \u00fczere emeklilik fonlar\u0131 toplam\u0131 106 milyar liran\u0131n \u00fczerinde. Bunun 400 milyar liraya \u00e7\u0131kmas\u0131 ile \u00fclke olarak tasarruf oran\u0131m\u0131z artacak.&nbsp;<strong>Ama daha da \u00f6nemlisi, -11. Kalk\u0131nma Plan\u0131nda yer ald\u0131- emeklilik fonlar\u0131nda olu\u015fan kaynak, sanayinin b\u00fcy\u00fcmesi i\u00e7in kullan\u0131lacak. Bir anlamda emeklilik fonunda olu\u015fan birikimler ile sanayi kesimi desteklenecek.<\/strong><\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3343347449\"><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><a href=\"http:\/\/bit.ly\/pb-borfin-temel-analiz-1\" rel=\"external nofollow noopener\" data-wpel-link=\"external\" target=\"_blank\"><span style=\"color: #3366ff;font-weight:bold;\">TEMEL ANAL\u0130Z \u0130LE NASIL H\u0130SSE SE\u00c7\u0130L\u0130R? UZMANINDAN HEMEN \u00d6\u011eRENMEYE BA\u015eLA!<\/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 <a href=\"http:\/\/www.hurriyet.com.tr\/yazarlar\/noyan-dogan\/bireysel-emeklilikte-neler-degisecek-41286995\" target=\"_blank\" rel=\"noreferrer noopener nofollow external\" aria-label=\"TIKLAYINIZ (yeni sekmede a\u00e7\u0131l\u0131r)\" data-wpel-link=\"external\">TIKLAYINIZ<\/a>.<\/h6>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8211; wp:paragraph &#8211;> Son bir y\u0131ld\u0131r Bireysel Emeklilik Sistemi (BES) hemen hemen g\u00fcndemden hi\u00e7 d\u00fc\u015fm\u00fcyor. \u00d6nce nisan ay\u0131nda a\u00e7\u0131klanan Yeni Ekonomi Program\u0131nda BES\u2019e detayl\u0131 yer&hellip;<\/p>\n","protected":false},"author":3953,"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":[808,801,2187],"class_list":["post-58841","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-noyan-dogan-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/58841","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\/3953"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=58841"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/58841\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=58841"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=58841"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=58841"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}