{"id":530,"date":"2023-01-14T12:16:52","date_gmt":"2023-01-14T12:16:52","guid":{"rendered":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/2023\/01\/14\/bireysel-emeklilik-sistemi-bes-nedir-avantajlari-nelerdir\/"},"modified":"2023-01-14T12:16:52","modified_gmt":"2023-01-14T12:16:52","slug":"bireysel-emeklilik-sistemi-bes-nedir-avantajlari-nelerdir","status":"publish","type":"post","link":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/2023\/01\/14\/bireysel-emeklilik-sistemi-bes-nedir-avantajlari-nelerdir\/","title":{"rendered":"Bireysel emeklilik sistemi (BES) nedir? Avantajlar\u0131 nelerdir?"},"content":{"rendered":"<p>Bireysel Emeklilik Sistemi, d\u00fczenli birikim yap\u0131larak, birikim yap\u0131lan paray\u0131 fonlarda de\u011ferlendirmek suretiyle gelecek i\u00e7in ikinci bir emeklilik sa\u011flayan sistemdir. \u00c7al\u0131\u015fan insanlar\u0131n gen\u00e7 ya\u015flarda ya\u015fad\u0131\u011f\u0131 ya\u015fam standartlar\u0131 ile emeklilik d\u00f6nemine gelindi\u011finde ya\u015fad\u0131\u011f\u0131 ya\u015fam standartlar\u0131 ayn\u0131 olmad\u0131\u011f\u0131 i\u00e7in emeklilik d\u00f6neminde de konforlu bir hayat ya\u015famak i\u00e7in d\u00fczenli birikimlerle gelece\u011fe yap\u0131lan ikinci yat\u0131r\u0131m se\u00e7ene\u011fidir. <\/p>\n<p>Bireysel Emeklilik Sistemi\u2019nde yat\u0131r\u0131mc\u0131lar\u0131n her ay d\u00fczenli olarak yat\u0131rd\u0131\u011f\u0131 katk\u0131 paylar\u0131, alan\u0131nda uzman portf\u00f6y y\u00f6neticileri taraf\u0131ndan y\u00f6netilen emeklilik yat\u0131r\u0131m fonlar\u0131nda de\u011ferlenir. Birikimlerin de\u011ferlenmesi i\u00e7in her ay yat\u0131r\u0131lan katk\u0131 paylar\u0131, yat\u0131r\u0131mc\u0131lar\u0131n bireysel emeklilik sistemine dahil oldu\u011fu kurumlar\u0131n dan\u0131\u015fmanlar\u0131 taraf\u0131ndan fonlar\u0131n y\u00f6netilmesi sa\u011fland\u0131\u011f\u0131 gibi, yat\u0131r\u0131mc\u0131lar da kendi fon de\u011fi\u015fikliklerini kendileri yapabilmektedirler. <\/p>\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/rotaborsa.com\/wp-content\/uploads\/2023\/01\/150220220822282498398-large.webp\" alt=\"| Rota Borsa\" class=\"wp-image-6640\" width=\"808\" height=\"455\" title=\"| Rota Borsa\" \/><\/figure>\n<p>Bireysel emeklilik sisteminde bir di\u011fer avantajl\u0131 konu ise yat\u0131r\u0131lan katk\u0131 paylar\u0131n\u0131n 0 kadar k\u0131sm\u0131n\u0131n, devlet katk\u0131s\u0131 ile biriken bakiyeye eklenmesidir. \u00dcstelik devlet katk\u0131s\u0131 avantaj\u0131ndan yararlanmak i\u00e7in gelir vergisi m\u00fckellefi olunmas\u0131na da gerek bulunmamaktad\u0131r. Bireysel emeklili\u011fin te\u015fvik edilmesine\u00a0 y\u00f6nelik olarak\u00a0 01.01.2013 tarihinden itibaren\u00a0 devletin, t\u00fcm bireysel emeklilik kat\u0131l\u0131mc\u0131lar\u0131n\u0131n ilgili hesaplar\u0131na ayl\u0131k % olarak belirlenen devlet katk\u0131s\u0131 oran\u0131 4632 say\u0131l\u0131 Kanun\u2019daki de\u011fi\u015fiklik ile 0 olarak belirlenmi\u015ftir.<\/p>\n<div class=\"kanews-banner kanews-banner-single\">\n<div style=\"min-height:280px\" data-empower-zone=\"159899\" class=\"empower-ad\"><\/div>\n<\/div>\n<p>Bireysel Emeklilik Sistemi ile yat\u0131r\u0131mc\u0131lar\u0131n ayl\u0131k, 3 ayl\u0131k, 6 ayl\u0131k ve hatta y\u0131ll\u0131k olarak yat\u0131rd\u0131\u011f\u0131 katk\u0131 paylar\u0131, emekli olana kadar bireysel emeklilik hesaplar\u0131nda birikir. Yat\u0131r\u0131mc\u0131lar, belirli d\u00f6nemlerde yat\u0131rd\u0131klar\u0131 katk\u0131 paylar\u0131n\u0131 mali durumlar\u0131nda zorlanma ya\u015famalar\u0131 halinde dondurma hakk\u0131na sahip olmakla birlikte sonraki d\u00f6nemlerde tekrar katk\u0131 pay\u0131 yat\u0131rmaya devam etme hakk\u0131na sahiptir. Yat\u0131r\u0131mc\u0131lar\u0131n katk\u0131 paylar\u0131n\u0131 kendilerinin belirleme hakk\u0131 da bulunmaktad\u0131r.<\/p>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/rotaborsa.com\/wp-content\/uploads\/2023\/01\/bireysel-emeklilik.jpeg\" alt=\"| Rota Borsa\" class=\"wp-image-6641\" title=\"| Rota Borsa\"><\/figure>\n<p><strong>Kat\u0131l\u0131mc\u0131lardan;<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li>En az 3 y\u0131l sistemde kalanlar devlet katk\u0131s\u0131 ve getirilerinin \u2019ine,<\/li>\n<li>En az 6 y\u0131l kalanlar 5\u2019ine,<\/li>\n<li>En az 10 y\u0131l kalanlar `\u2019\u0131na,<\/li>\n<li>10 y\u0131l sistemde kald\u0131ktan sonra 56 ya\u015f\u0131n\u0131 dolduranlar devlet katk\u0131s\u0131n\u0131n 0\u2019\u00fcne hak kazanacakt\u0131r. \u00a0<\/li>\n<\/ul>\n<p><strong>Bireysel Emeklilik Kat\u0131l\u0131mc\u0131lar\u0131n\u0131n Temel Haklar\u0131<br \/>\u00a0<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Fon Da\u011f\u0131l\u0131m\u0131 De\u011fi\u015fikli\u011fi<br \/><\/strong>Bireysel emeklilik hesab\u0131n\u0131zdaki birikimlerinizin ve yat\u0131rd\u0131\u011f\u0131n\u0131z katk\u0131 paylar\u0131n\u0131z\u0131n emeklilik yat\u0131r\u0131m fonlar\u0131 aras\u0131ndaki da\u011f\u0131l\u0131m oranlar\u0131n\u0131 veya tutarlar\u0131, bir y\u0131lda azami on iki kez de\u011fi\u015ftirebilirsiniz.<\/li>\n<li><strong>Emeklilik Plan\u0131 De\u011fi\u015fikli\u011fi<br \/><\/strong>Emeklilik plan\u0131n\u0131z\u0131 bir y\u0131lda azami d\u00f6rt kez de\u011fi\u015ftirilebilirsiniz. Yeni emeklilik plan\u0131n\u0131za de\u011fi\u015fiklik tarihi itibar\u0131yla on g\u00fcn i\u00e7erisinde ge\u00e7i\u015f yap\u0131l\u0131r ve ge\u00e7i\u015f yap\u0131lan tarih itibariyle on i\u015f g\u00fcn\u00fc i\u00e7inde yeni emeklilik s\u00f6zle\u015fmeniz size ula\u015ft\u0131r\u0131l\u0131r.<\/li>\n<li><strong>Haklar\u0131n Kullan\u0131m\u0131<br \/><\/strong>Bireysel emeklilik s\u00f6zle\u015fmelerinde ve gruba ba\u011fl\u0131 bireysel emeklilik s\u00f6zle\u015fmelerinde, s\u00f6zle\u015fmeden do\u011fan haklar kural olarak kat\u0131l\u0131mc\u0131 taraf\u0131ndan kullan\u0131l\u0131r. Sistemden ayr\u0131lma ve emeklilik hakk\u0131 hari\u00e7 di\u011fer haklar\u0131n kat\u0131l\u0131mc\u0131 ad ve hesab\u0131na katk\u0131 pay\u0131 \u00f6deyen ki\u015fi taraf\u0131ndan kullan\u0131lmas\u0131 kararla\u015ft\u0131r\u0131labilir.<\/li>\n<li><strong>Cayma Hakk\u0131 ve Yap\u0131lan Yat\u0131r\u0131mlar<br \/><\/strong>Emeklilik s\u00f6zle\u015fmesi imzalad\u0131\u011f\u0131n\u0131zda imza tarihinden sonra 2 ay i\u00e7erisinde s\u00f6zle\u015fmeden cayma hakk\u0131n\u0131z vard\u0131r. Bu durumda yapt\u0131\u011f\u0131n\u0131z t\u00fcm yat\u0131r\u0131mlar fon toplam gider kesintisi hari\u00e7 e\u011fer varsa o g\u00fcne kadarki fon getirileriyle beraber on i\u015f g\u00fcn\u00fc i\u00e7inde iade edilir.<\/li>\n<li><strong>Katk\u0131 Pay\u0131n\u0131n De\u011fi\u015ftirilmesi ve Yat\u0131r\u0131ma Ara Verme<br \/><\/strong>\u2013 Emeklilik s\u00f6zle\u015fmesinde istendi\u011fi zaman katk\u0131 pay\u0131 azalt\u0131l\u0131p art\u0131r\u0131labilir. Emeklilik s\u00f6zle\u015fmesi s\u00fcresi i\u00e7inde katk\u0131 pay\u0131 yat\u0131r\u0131lmas\u0131na ara verilebilir. Vadesinde yat\u0131r\u0131lmayan katk\u0131 pay\u0131n\u0131n yat\u0131r\u0131lma tarihini takiben \u00fc\u00e7 ay i\u00e7erisinde ilgili hesaba herhangi bir yat\u0131r\u0131lma s\u00f6z konusu de\u011filse, ilgili s\u00f6zle\u015fmede yat\u0131r\u0131ma ara verildi\u011fi karar verilir. Bu durumda ara verme s\u00fcreci boyunca kat\u0131l\u0131mc\u0131n\u0131n birikiminden, ara verilen her tam ay i\u00e7in iki TL\u2019yi a\u015fmayacak \u015fekilde ek y\u00f6netim gider kesintisi al\u0131nabilir.    <\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Sistemden Ayr\u0131lma<br \/><\/strong>Kat\u0131l\u0131mc\u0131, emeklili\u011fe hak kazanmadan sistemden ayr\u0131lmas\u0131 halinde bireysel emeklilik sistemine giri\u015f tarihinden kaynaklanan s\u00fcreye ili\u015fkin haklar\u0131n\u0131 kaybeder.<\/li>\n<li>\u015eirket ayr\u0131lma amac\u0131 ile kendisine yap\u0131lan ba\u015fvuru \u00fczerine, sistemden ayr\u0131lman\u0131n do\u011furaca\u011f\u0131 mali sonu\u00e7lar\u0131 i\u00e7eren ayr\u0131lma bilgi ve talep formunu ve hesap bildirim cetvelini kat\u0131l\u0131mc\u0131n\u0131n tan\u0131ml\u0131 elektronik posta adresine veya faks\u0131na, bunlar yoksa posta adresine be\u015f i\u015f g\u00fcn\u00fc i\u00e7inde g\u00f6nderir. Kat\u0131l\u0131mc\u0131n\u0131n ayr\u0131lma talep formunu imzalayarak \u015firkete g\u00f6ndermesi halinde, bireysel emeklilik hesab\u0131ndaki birikim ve devlet katk\u0131s\u0131 hesab\u0131ndaki varsa hak kazan\u0131lan tutarlar, yasal kesintiler yap\u0131larak formun \u015firkete ula\u015ft\u0131\u011f\u0131 tarihten itibaren yirmi i\u015f g\u00fcn\u00fc i\u00e7inde kat\u0131l\u0131mc\u0131ya \u00f6denir.<\/li>\n<li>Kat\u0131l\u0131mc\u0131n\u0131n maluliyet hali nedeniyle sistemden ayr\u0131lma talebinde bulunabilmesi i\u00e7in sosyal g\u00fcvenlik mevzuat\u0131na g\u00f6re maluliyet gelirine hak kazanm\u0131\u015f olmas\u0131 gerekir. Kat\u0131l\u0131mc\u0131n\u0131n sosyal g\u00fcvencesinin bulunmamas\u0131 halinde, maluliyet halinin resmi sa\u011fl\u0131k m\u00fcesseseleri taraf\u0131ndan verilecek bir rapor ile tespit edilmesi gerekir.<\/li>\n<li>Kat\u0131l\u0131mc\u0131n\u0131n vefat etmesi halinde birikimleri ve varsa hak kazan\u0131lan devlet katk\u0131s\u0131 ve getirileri, 22\/11\/2001 tarihli ve 4721 say\u0131l\u0131 T\u00fcrk Medeni Kanunu h\u00fck\u00fcmleri sakl\u0131 kalmak kayd\u0131yla \u2013varsa- emeklilik s\u00f6zle\u015fmesinde belirtilen lehdarlara veya kanun\u00ee miras\u00e7\u0131lar\u0131na \u00f6denir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bireysel Emeklilik Sistemi, d\u00fczenli birikim yap\u0131larak, birikim yap\u0131lan paray\u0131 fonlarda de\u011ferlendirmek suretiyle gelecek i\u00e7in ikinci bir emeklilik sa\u011flayan sistemdir. \u00c7al\u0131\u015fan insanlar\u0131n gen\u00e7 ya\u015flarda ya\u015fad\u0131\u011f\u0131 ya\u015fam standartlar\u0131 ile emeklilik d\u00f6nemine gelindi\u011finde ya\u015fad\u0131\u011f\u0131 ya\u015fam standartlar\u0131 ayn\u0131 olmad\u0131\u011f\u0131 i\u00e7in emeklilik d\u00f6neminde de konforlu bir hayat ya\u015famak i\u00e7in d\u00fczenli birikimlerle gelece\u011fe yap\u0131lan ikinci yat\u0131r\u0131m se\u00e7ene\u011fidir. Bireysel Emeklilik Sistemi\u2019nde yat\u0131r\u0131mc\u0131lar\u0131n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":531,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-530","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borsa-haberleri"],"_links":{"self":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/comments?post=530"}],"version-history":[{"count":0,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/530\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/media\/531"}],"wp:attachment":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/media?parent=530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/categories?post=530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/tags?post=530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}