Bireysel Emeklilik Sistemi (BES), T\u00fcrkiye\u2019de kendini kan\u0131tlam\u0131\u015f uzun vadeli tasarruf ve yat\u0131r\u0131m arac\u0131 olarak giderek daha geni\u015f bir kitleye ula\u015f\u0131yor. Bug\u00fcn BES ve Otomatik Kat\u0131l\u0131m Sistemi (OKS) toplam kat\u0131l\u0131mc\u0131 say\u0131s\u0131 18 milyon seviyesine yakla\u015f\u0131rken, toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc 2,5 trilyon TL\u2019yi a\u015fm\u0131\u015f durumda. BES, yaln\u0131zca bir tasarruf arac\u0131 olman\u0131n \u00f6tesinde, farkl\u0131 gelir gruplar\u0131na hitap eden yap\u0131s\u0131yla \u201c7\u2019den 70\u2019e her b\u00fct\u00e7eye uygun\u201d kapsay\u0131c\u0131 bir sistem olarak \u00f6ne \u00e7\u0131k\u0131yor. Son 5 y\u0131lda BES fonlar\u0131n\u0131n ortalama getirisi %824 olurken, ayn\u0131 d\u00f6nemde T\u00dcFE art\u0131\u015f\u0131n\u0131n %617 seviyesinde kalmas\u0131, sistemin sat\u0131n alma g\u00fcc\u00fcn\u00fc koruma potansiyelini ortaya koyuyor.\u00a0<\/p>\n
BES hem kapsay\u0131c\u0131 hem kazan\u00e7l\u0131 yap\u0131s\u0131yla dikkat \u00e7ekiyor\u00a0<\/strong><\/p>\n Hangi gelir grubunda olursa olsun herkes i\u00e7in eri\u015filebilir bir yap\u0131 sunan BES; ev han\u0131mlar\u0131ndan \u00e7al\u0131\u015fanlara, \u00e7ocuklardan yeti\u015fkinlere kadar geni\u015f bir kitleye yar\u0131n\u0131n plan\u0131n\u0131 \u015fimdiden yapma imk\u00e2n\u0131 tan\u0131yor. Devlet katk\u0131s\u0131 ve fon y\u00f6netiminin g\u00fcc\u00fcyle birle\u015fen birikimler gelecek i\u00e7in k\u0131ymetli bir finansal g\u00fcvenceye d\u00f6n\u00fc\u015f\u00fcyor. Kat\u0131l\u0131m Emeklilik Genel M\u00fcd\u00fcr\u00fc Ayhan Sincek, BES\u2019in sadece bir tasarruf arac\u0131 de\u011fil, bir “gelecek in\u015fa etme disiplini” oldu\u011funu belirterek \u015funlar\u0131 kaydetti: \u201cBES hem kapsay\u0131c\u0131l\u0131k hem de kazan\u00e7l\u0131 olma \u00f6zelli\u011fi ile di\u011fer yat\u0131r\u0131m ara\u00e7lar\u0131 aras\u0131ndan pozitif ayr\u0131\u015f\u0131yor. Her ya\u015ftan ve her gelir grubundan ki\u015filerin kendi b\u00fct\u00e7esine uygun \u015fekilde dahil olabildi\u011fi BES, disiplinli tasarruf al\u0131\u015fkanl\u0131\u011f\u0131 kazand\u0131rarak finansal \u00f6zg\u00fcrl\u00fc\u011fe giden yolda g\u00fc\u00e7l\u00fc bir rehber niteli\u011fi ta\u015f\u0131yor.\u201d<\/p>\n 18 ya\u015f alt\u0131 BES\u2019e ilgi art\u0131yor<\/strong><\/p>\n 18 ya\u015f alt\u0131 kat\u0131l\u0131mc\u0131lar\u0131n sisteme dahil olmas\u0131, BES\u2019in toplumun t\u00fcm kesimlerine ula\u015fma hedefini daha da g\u00fc\u00e7lendirdi. Ebeveynlerin \u00e7ocuklar\u0131 ad\u0131na a\u00e7t\u0131\u011f\u0131 hesaplar, sistemin uzun vadeli g\u00fcven veren yap\u0131s\u0131yla birle\u015ferek g\u00fc\u00e7l\u00fc bir finansal g\u00fcvence olu\u015fturuyor. T\u00fcrkiye genelinde 18 ya\u015f alt\u0131 BES kat\u0131l\u0131mc\u0131 say\u0131s\u0131 1,93 milyonun \u00fczerine \u00e7\u0131karken, fon b\u00fcy\u00fckl\u00fc\u011f\u00fc 82 milyar TL seviyesine ula\u015ft\u0131. Kat\u0131l\u0131m Emeklilik\u2019in bu alandaki plan\u0131 olan Erken BES de h\u0131zl\u0131 b\u00fcy\u00fcmesini s\u00fcrd\u00fcr\u00fcyor. 2026 y\u0131l\u0131 itibar\u0131yla Erken BES kat\u0131l\u0131mc\u0131 say\u0131s\u0131 195 binin \u00fczerine \u00e7\u0131kt\u0131. Kat\u0131l\u0131m Emeklilik, 18 ya\u015f alt\u0131 BES pazar\u0131nda %10\u2019un \u00fczerindeki pay\u0131yla bu alanda da g\u00fc\u00e7l\u00fc konumunu korumaya devam ediyor. \u00a0Ailelerin \u00e7ocuklar\u0131 i\u00e7in erkenden tasarruf yapma bilincine \u00f6nc\u00fcl\u00fck ettiklerini vurgulayan Ayhan Sincek; \u201cErken BES, sadece bir birikim hesab\u0131 de\u011fil, ailelerin \u00e7ocuklar\u0131yla birlikte b\u00fcy\u00fctt\u00fc\u011f\u00fc bir gelecek hayali. Kat\u0131l\u0131m Emeklilik olarak bu alandaki g\u00fc\u00e7l\u00fc pazar pay\u0131m\u0131z, ebeveynlerin bize olan g\u00fcveninin en somut g\u00f6stergesi. Sisteme dahil olan \u00e7ocuklar\u0131m\u0131zla birlikte, onlar\u0131n finansal yar\u0131nlar\u0131 da g\u00fcvenle birikiyor ve b\u00fcy\u00fcyor. Amac\u0131m\u0131z, tasarruf k\u00fclt\u00fcr\u00fcn\u00fc nesillere yayarak aile boyu bir finansal huzur in\u015fa etmek\u201d dedi.<\/p>\n \u201cSa\u011fl\u0131kl\u0131 BES Emeklilik Gelir Plan\u0131\u201d ile \u00fccretsiz sa\u011fl\u0131k sigortas\u0131<\/strong><\/p>\n Kat\u0131l\u0131m Emeklilik, emeklili\u011fi planlarken sa\u011fl\u0131\u011f\u0131 da g\u00fcvence alt\u0131na al\u0131yor. BES\u2019i bireylerin t\u00fcm ya\u015fam d\u00f6ng\u00fcs\u00fcn\u00fc koruyan bir yap\u0131 olarak ele alarak sekt\u00f6rde bir ilke imza att\u0131; \u201cSa\u011fl\u0131kl\u0131 BES Emeklilik Gelir Plan\u0131\u201dn\u0131 hayata ge\u00e7irdi. Bu yenilik\u00e7i modelle sekt\u00f6rdeki tek olma \u00f6zelli\u011fini s\u00fcrd\u00fcren Kat\u0131l\u0131m Emeklilik, emeklilikte belirlenen \u015fartlar\u0131 sa\u011flayan kat\u0131l\u0131mc\u0131lar\u0131na \u00f6zel sa\u011fl\u0131k sigortas\u0131 hediye ederek, emeklilik d\u00f6nemindeki finansal birikimi do\u011frudan sa\u011fl\u0131k g\u00fcvencesiyle destekliyor. B\u00f6ylece kat\u0131l\u0131mc\u0131lar, yar\u0131nlar\u0131n\u0131 hem maddi hem de bedensel huzur i\u00e7inde planlama imk\u00e2n\u0131na kavu\u015fuyor.<\/p>\n Kat\u0131l\u0131m Emeklilik Genel M\u00fcd\u00fcr\u00fc Ayhan Sincek, konuya ili\u015fkin de\u011ferlendirmesinde \u015funlar\u0131 s\u00f6yledi: \u201cBES, bug\u00fcn geldi\u011fi noktada yaln\u0131zca tasarruf sa\u011flayan bir sistem de\u011fil; ayn\u0131 zamanda bireylerin finansal dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 art\u0131ran \u00f6nemli bir yap\u0131 h\u00e2line geldi. Biz de Kat\u0131l\u0131m Emeklilik olarak bu yap\u0131y\u0131 daha ileri ta\u015f\u0131mak i\u00e7in \u00e7al\u0131\u015f\u0131yoruz. \u2018Sa\u011fl\u0131kl\u0131 BES Emeklilik Gelir Plan\u0131\u2019 yakla\u015f\u0131m\u0131m\u0131zla, kat\u0131l\u0131mc\u0131lar\u0131m\u0131za yaln\u0131zca birikim de\u011fil, ya\u015fam\u0131n farkl\u0131 d\u00f6nemlerini kapsayan b\u00fct\u00fcnc\u00fcl \u00e7\u00f6z\u00fcmler sunmay\u0131 hedefliyoruz. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde BES\u2019in daha geni\u015f kitlelere ula\u015fmaya devam edece\u011fine inan\u0131yoruz.\u201d<\/p>\n \u00a0<\/p>\n Kaynak: (BYZHA) Beyaz Haber Ajans\u0131<\/p>\n","protected":false},"excerpt":{"rendered":" Bireysel Emeklilik Sistemi (BES), T\u00fcrkiye\u2019de kendini kan\u0131tlam\u0131\u015f uzun vadeli tasarruf ve yat\u0131r\u0131m arac\u0131 olarak giderek daha geni\u015f bir kitleye ula\u015f\u0131yor.<\/p>\n","protected":false},"author":1,"featured_media":8624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-8623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/8623","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8623"}],"version-history":[{"count":1,"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/8623\/revisions"}],"predecessor-version":[{"id":8625,"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/8623\/revisions\/8625"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=\/wp\/v2\/media\/8624"}],"wp:attachment":[{"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8623"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8623"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/busondakika.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8623"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}