{"id":6,"date":"2013-09-16T10:51:37","date_gmt":"2013-09-16T07:51:37","guid":{"rendered":"https:\/\/aktassigorta.net\/?page_id=6"},"modified":"2024-05-18T11:22:38","modified_gmt":"2024-05-18T08:22:38","slug":"bireysel-emeklilik","status":"publish","type":"page","link":"https:\/\/aktassigorta.net\/en\/bireysel-emeklilik\/","title":{"rendered":"Individual Pension"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>Bireysel emeklilik sistemi, d\u00fczenli birikim yaparak \u00e7al\u0131\u015fma d\u00f6neminizdeki hayat standard\u0131n\u0131z\u0131 emeklilik d\u00f6neminizde de s\u00fcrd\u00fcrebilmenizi sa\u011flamaya yard\u0131mc\u0131 bir tasarruf ve yat\u0131r\u0131m sistemidir.<\/p>\n\n\n\n<p>Siz de gelece\u011finiz i\u00e7in bug\u00fcnden harekete ge\u00e7erek ihtiya\u00e7lar\u0131n\u0131za uygun olarak olu\u015fturdu\u011fumuz planlar\u0131m\u0131z\u0131 inceleyebilirsiniz.<\/p>\n\n\n\n<p><strong>*Bireysel Emeklilik nedir?<\/strong><\/p>\n\n\n\n<p>Bireysel emeklilik sistemi, ki\u015filerin \u00e7al\u0131\u015ft\u0131klar\u0131 d\u00f6nemdeki hayat standartlar\u0131n\u0131 emeklilik d\u00f6nemlerinde de devam ettirmeleri i\u00e7in bug\u00fcnden d\u00fczenli birikim yapma imkan\u0131 sa\u011flayan, devlet katk\u0131s\u0131yla desteklenmi\u015f bir tasarruf ve yat\u0131r\u0131m sistemidir.<\/p>\n\n\n\n<p><strong>*Bu sistem guvenli mi?<\/strong><\/p>\n\n\n\n<p>Bireysel emeklilik sisteminde denetim mekanizmas\u0131 son derece sa\u011flam ve g\u00fcvenlidir.<\/p>\n\n\n\n<p>Emeklilik \u015firketlerinin faaliyetleri T.C. Hazine M\u00fcste\u015farl\u0131\u011f\u0131 taraf\u0131ndan denetlenir. \u015eirketlerin y\u0131lda en az bir kere ba\u011f\u0131ms\u0131z d\u0131\u015f denetim yapt\u0131rmas\u0131 zorunlu oldu\u011fu gibi, fonlar\u0131n hesap ve i\u015flemleri, \u00fc\u00e7er ayl\u0131k d\u00f6nemler itibariyle ba\u011f\u0131ms\u0131z d\u0131\u015f denetime tabidir. \u015eirketlerin g\u00fcnl\u00fck faaliyetleri ise Emeklilik G\u00f6zetim Merkezi (EGM) taraf\u0131ndan elektronik ortamda izlenir. Kat\u0131l\u0131mc\u0131lar\u0131n bireysel emeklilik hesaplar\u0131, emeklik \u015firketlerinin mali b\u00fcnyesinden ba\u011f\u0131ms\u0131z olarak Takasbank nezdinde saklan\u0131r. Emeklilik \u015firketlerinin iflas etmesi durumunda kat\u0131l\u0131mc\u0131 Takasbank\u2019ta saklanan birikimini bir di\u011fer emeklilik \u015firketine aktararak sistemde kalmaya devam edebilir. Fon malvarl\u0131\u011f\u0131 rehnedilemez, portf\u00f6ye ili\u015fkin olarak yap\u0131lan i\u015flemler haricinde teminat g\u00f6sterilemez, \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slar taraf\u0131ndan haczedilemez ve iflas masas\u0131na dahil edilemez. Fonlar\u0131n ve portf\u00f6y y\u00f6neticilerinin faaliyetleri ise Sermaye Piyasas\u0131 Kurulu taraf\u0131ndan y\u0131lda en az bir kere denetimden ge\u00e7er.<\/p>\n\n\n\n<p><strong>*Emekli olunca ne kadar maas alirim?<\/strong><\/p>\n\n\n\n<p>Elde edece\u011finiz emeklilik birikimi ve alaca\u011f\u0131n\u0131z maa\u015f, sisteme giri\u015f ya\u015f\u0131n\u0131za, \u00f6dedi\u011finiz katk\u0131 pay\u0131 tutar\u0131na, fonlar\u0131n\u0131z\u0131n getirilerine ba\u011fl\u0131 olarak de\u011fi\u015fiklik g\u00f6sterir.Emeklilik \u015firketleri, T.C. Hazine M\u00fcste\u015farl\u0131\u011f\u0131 taraf\u0131ndan belirlenen \u015fartlara ve plan \u00f6zelliklerine g\u00f6re olu\u015fturulmu\u015f projeksiyon hesaplamalar\u0131na g\u00f6re tahmini emeklilik birikimi ve maa\u015f\u0131 \u00f6ng\u00f6r\u00fcs\u00fc sunar.<\/p>\n\n\n\n<p><strong>*Hesabima nasil ulasirim?<\/strong><\/p>\n\n\n\n<p>Emeklilik \u015firketlerinin internet sitelerinde sizin ad\u0131n\u0131za olu\u015fturdu\u011fu \u015fifreli alanlara giri\u015f yaparak, hesab\u0131n\u0131za ula\u015fabilir; birikiminizin durumunu, fon getirilerinizi, \u00f6deme d\u00f6nemlerinizi takip edebilir, hesab\u0131n\u0131zla ilgili i\u015flemleri ger\u00e7ekle\u015ftirebilirsiniz. Bireysel emeklilik hesaplar\u0131n\u0131z Takasbank nezdinde tutuldu\u011fundan, fon paylar\u0131n\u0131z\u0131 size verilecek Takasbank \u015fifresi ile g\u00fcnl\u00fck olarak izlemeniz de m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<p><strong>*Devlet Katk\u0131s\u0131 nedir ve oranlar\u0131 nas\u0131ld\u0131r?<\/strong><\/p>\n\n\n\n<p>Bireysel emeklilik sistemine yat\u0131rd\u0131\u011f\u0131n\u0131z katk\u0131 paylar\u0131na kar\u015f\u0131l\u0131k olarak, bu katk\u0131 paylar\u0131n\u0131n belirli bir oran\u0131nda bireysel emeklilik hesab\u0131n\u0131za devlet taraf\u0131ndan \u00f6denen tutard\u0131r. Devlet katk\u0131s\u0131, d\u00fczenli veya toplu olarak yat\u0131rd\u0131\u011f\u0131n\u0131z t\u00fcm katk\u0131 paylar\u0131n\u0131n %25'i oran\u0131nda \u00f6denir. \u00d6rne\u011fin; ayl\u0131k 100 TL \u00f6d\u00fcyorsan\u0131z ad\u0131n\u0131za her ay 25 TL, 800 TL \u00f6d\u00fcyorsan\u0131z 200 TL devlet katk\u0131s\u0131 \u00f6denir.<\/p>\n\n\n\n<p><strong>*Devlet katk\u0131s\u0131 ne zaman basladi?<\/strong><\/p>\n\n\n\n<p>Devlet katk\u0131s\u0131, 01.01.2013 tarihinden itibaren yat\u0131rd\u0131\u011f\u0131n\u0131z katk\u0131 paylar\u0131 i\u00e7in \u00f6denir.<\/p>\n\n\n\n<p><strong>*Herkes icin devlet katkisi odenir mi?<\/strong><\/p>\n\n\n\n<p>Vergi m\u00fckellefi olup olmad\u0131\u011f\u0131na, mesle\u011fine bak\u0131lmaks\u0131z\u0131n bireysel ya da gruba ba\u011fl\u0131 bireysel emeklilik s\u00f6zle\u015fmesi dahilinde katk\u0131 pay\u0131 \u00f6deyen T\u00fcrkiye Cumhuriyeti vatanda\u015flar\u0131 ile 29.05.2009 tarihli ve 5901 say\u0131l\u0131 T\u00fcrk Vatanda\u015fl\u0131\u011f\u0131 Kanunu'nun 28. Maddesine g\u00f6re, T\u00fcrkiye Cumhuriyeti vatanda\u015f\u0131 olup da \u00e7\u0131kma izni almak suretiyle T\u00fcrk vatanda\u015fl\u0131\u011f\u0131n\u0131 kaybedenler ve bunlar\u0131n altsoylar\u0131 taraf\u0131ndan ya da bu ki\u015filer ad\u0131na yat\u0131r\u0131lan katk\u0131 paylar\u0131 i\u00e7in devlet katk\u0131s\u0131 \u00f6denir.<\/p>\n\n\n\n<p><strong>*Devlet Katkisina ne zaman hak kazanirim?<\/strong><\/p>\n\n\n\n<p>Asagidaki tabloda sure sartlari belirtilmistir.<\/p>\n\n\n\n<div>\n<table border=\"0\" width=\"100%\" cellspacing=\"2\" cellpadding=\"5\">\n<tbody>\n<tr>\n<td align=\"left\">01.01.2013 tarihinden sonra sistemde bulundu\u011funuz s\u00fcre<\/td>\n<td align=\"center\">Devlet katk\u0131s\u0131 hesab\u0131ndaki tutar\u0131n hak kazan\u0131lan oran\u0131<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">3 y\u0131ldan az<\/td>\n<td align=\"center\">%0<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">3&lt;=S\u00fcre&lt;6 y\u0131l<\/td>\n<td align=\"center\">%15<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">6&lt;=S\u00fcre&lt;10 y\u0131l<\/td>\n<td align=\"center\">%35<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">10 y\u0131l ve daha fazla (56 ya\u015f\u0131ndan \u00f6nce)<\/td>\n<td align=\"center\">%60<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">Emeklilik (10 y\u0131l ve daha fazla sistemde kal\u0131p 56 ya\u015f\u0131n\u0131 tamamlama),<br>ya\u015fam kayb\u0131 veya maluliyet<\/td>\n<td align=\"center\">%100<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f166-o1\" lang=\"tr-TR\" dir=\"ltr\" data-wpcf7-id=\"166\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/6#wpcf7-f166-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"\u0130leti\u015fim Formu\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"166\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"tr_TR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f166-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label> Ad\u0131n\u0131z Soyad\u0131n\u0131z<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> E-posta adresiniz<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Telefon numaran\u0131z<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span> <\/label>\n<\/p>\n<p><label> Teklif almak istedi\u011finiz konu(lar)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"teklif-konulari\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" multiple=\"multiple\" name=\"teklif-konulari[]\"><option value=\"Trafik Sigortas\u0131\">Trafik Sigortas\u0131<\/option><option value=\"Kasko\">Kasko<\/option><option value=\"Dask\">Dask<\/option><option value=\"Bireysel Emeklilik\">Bireysel Emeklilik<\/option><option value=\"Sa\u011fl\u0131k Sigortas\u0131\">Sa\u011fl\u0131k Sigortas\u0131<\/option><option value=\"Ferdi Kaza Sigortas\u0131\">Ferdi Kaza Sigortas\u0131<\/option><option value=\"Yang\u0131n Sigortas\u0131\">Yang\u0131n Sigortas\u0131<\/option><option value=\"Nakliyat Sigortas\u0131\">Nakliyat Sigortas\u0131<\/option><\/select><\/span> <\/label>\n<\/p>\n<p><label> Mesaj\u0131n\u0131z (tercihe ba\u011fl\u0131)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"G\u00f6nder\" \/>\n<\/p>\n<p>Bu form spami engellemek i\u00e7in Akismet kullan\u0131yor. <a target=\"_blank\" rel=\"nofollow noopener\" href=\"https:\/\/akismet.com\/privacy\/\">Verilerinizin nas\u0131l i\u015flendi\u011fini \u00f6\u011frenin.<\/a>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"51\"\/><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n\/* ]]> *\/\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bireysel emeklilik sistemi, d\u00fczenli birikim yaparak \u00e7al\u0131\u015fma d\u00f6neminizdeki hayat standard\u0131n\u0131z\u0131 emeklilik d\u00f6neminizde de s\u00fcrd\u00fcrebilmenizi sa\u011flamaya yard\u0131mc\u0131 bir tasarruf ve yat\u0131r\u0131m sistemidir. Siz de gelece\u011finiz i\u00e7in bug\u00fcnden harekete ge\u00e7erek ihtiya\u00e7lar\u0131n\u0131za uygun olarak olu\u015fturdu\u011fumuz planlar\u0131m\u0131z\u0131 inceleyebilirsiniz. *Bireysel Emeklilik nedir? Bireysel emeklilik sistemi, ki\u015filerin \u00e7al\u0131\u015ft\u0131klar\u0131 d\u00f6nemdeki hayat standartlar\u0131n\u0131 emeklilik d\u00f6nemlerinde de devam ettirmeleri i\u00e7in bug\u00fcnden d\u00fczenli birikim yapma [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":11,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-6","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/pages\/6","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/comments?post=6"}],"version-history":[{"count":0,"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/pages\/6\/revisions"}],"wp:attachment":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/media?parent=6"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}