{"id":38764,"date":"2025-05-15T14:36:20","date_gmt":"2025-05-15T14:36:20","guid":{"rendered":"https:\/\/ikimisli.tr\/?p=38764"},"modified":"2025-05-15T14:36:20","modified_gmt":"2025-05-15T14:36:20","slug":"ne-mevduat-ne-altin-besten-enflasyonun-uzerinde-getiri","status":"publish","type":"post","link":"https:\/\/ikimisli.tr\/index.php\/2025\/05\/15\/ne-mevduat-ne-altin-besten-enflasyonun-uzerinde-getiri\/","title":{"rendered":"Ne mevduat ne alt\u0131n: BES&#8217;ten enflasyonun \u00fczerinde getiri!"},"content":{"rendered":"<p>BES fonlar\u0131n\u0131n ortalama getirisi mevduat faizini de alt\u0131n ve d\u00f6viz \u00fczere yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131 da geride b\u0131rakt\u0131. BES fonlar\u0131 T\u00fcketici Fiyat Endeksi (T\u00dcFE) oran\u0131n\u0131n 2,8 puan \u00fczerine \u00e7\u0131karak son 5 y\u0131ll\u0131k periyotta en de\u011ferli art\u0131\u015f\u0131 olarak kaydedildi.<\/p>\n<p><b>KATILIMCI SAYISI Y\u00dcZDE 19 ARTARAK 9,5 M\u0130LYONA ULA\u015eTI<\/b><\/p>\n<p>2023 y\u0131lsonunda 8 milyon 676 bin 45 olan istekli i\u015ftirakli BES\u2019teki i\u015ftirak\u00e7i say\u0131s\u0131 y\u00fczde 9,8 oran\u0131nda artarak 2024 y\u0131lsonunda 9 milyon 526 bin 389\u2019a y\u00fckseldi. 2023 y\u0131lsonunda 625,5 milyar lira olan i\u015ftirak\u00e7ilere ili\u015fkin fon b\u00fcy\u00fckl\u00fc\u011f\u00fc y\u00fczde 60,3 artarak 2024 y\u0131l\u0131 sonunda 1,002 trilyon liraya y\u00fckseldi. 2023 y\u0131lsonunda 77,8 milyar liral\u0131k devlet katk\u0131s\u0131 fon fiyat\u0131 y\u00fczde 76,8 artarak 2024 y\u0131l\u0131 sonunda 137,5 milyar liraya y\u00fckseldi. Ayr\u0131yeten, evvelki y\u0131l sonunda BES\u2019ten emekli toplam i\u015ftirak\u00e7i say\u0131s\u0131 265 bin 672 iken 2024 y\u0131l\u0131 sonunda say\u0131 339 bin 574\u2019e y\u00fckseldi. 2024 y\u0131l\u0131 i\u00e7inde 73 bin 902 i\u015ftirak\u00e7inin emeklilik hakk\u0131n\u0131 kulland\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p><b>T\u00dcFE&#8217;N\u0130N 3 PUAN \u00dcZER\u0130NDE ARTARAK Y\u00dcZDE 48 OLDU<\/b><\/p>\n<p>2024 y\u0131l\u0131 i\u00e7in T\u00fcketici Fiyat Endeksinde (T\u00dcFE) y\u0131ll\u0131k art\u0131\u015f y\u00fczde 44,38 iken BES fonlar\u0131n\u0131n y\u00fckl\u00fc ortalama getirisi y\u00fczde 48,76 artt\u0131. Bir evvelki y\u0131la bakt\u0131\u011f\u0131m\u0131zda; 2023 y\u0131l\u0131 i\u00e7in T\u00dcFE\u2019de y\u0131ll\u0131k art\u0131\u015f y\u00fczde 64,77 iken BES fonlar\u0131n\u0131n y\u00fckl\u00fc ortalama getirisi y\u00fczde 64,30\u2019du. 2024 y\u0131l\u0131nda, BES fonlar\u0131n\u0131n y\u00fckl\u00fc ortalama getirisi T\u00dcFE\u2019nin 3 puan \u00fcst\u00fcnde ger\u00e7ekle\u015fti.<\/p>\n<p><b>5 YILLIK D\u00d6NEMDE YAKLA\u015eIK Y\u00dcZDE 3 GET\u0130R\u0130<\/b><\/p>\n<p>BES fonlar\u0131n\u0131n y\u00fckl\u00fc ortalama getirisi 5 y\u0131ll\u0131k d\u00f6nemde, y\u0131ll\u0131k enflasyon oran\u0131n\u0131n ortalama y\u00fczde 2,8 puan \u00fczerinde getiri elde etti. Bu prestijle, BES\u2019in uzun vadede enflasyonunun \u00fczerinde kazand\u0131rd\u0131\u011f\u0131 s\u00f6yleniyor. Ayr\u0131yeten yanl\u0131\u015fs\u0131z vakitlerde fon de\u011fi\u015fikli\u011fi yaparak finansal piyasalardaki hareketlerden nemalanan i\u015ftirak\u00e7ilerin \u00e7ok daha fazla getiri elde edebilmesi m\u00fcmk\u00fcn.<\/p>\n<p>2024 y\u0131l\u0131 i\u00e7in BES fon k\u00fcmelerinin getirilerine bak\u0131ld\u0131\u011f\u0131nda; Alt\u0131n EYF y\u00fczde 52,46, Kamu Bor\u00e7lanma Ara\u00e7lar\u0131 (TL) EYF y\u00fczde 41,30, Kamu D\u0131\u015f Bor\u00e7lanma Ara\u00e7lar\u0131 (D\u00f6viz) EYF y\u00fczde 28,53 ve Pay Senetleri EYF ise y\u00fczde 52,63 oran\u0131nda getiri sa\u011flad\u0131. Alternatif yat\u0131r\u0131m getirilerine bakt\u0131\u011f\u0131m\u0131zda ise D\u00f6viz Sepetinin y\u00fczde 15,61, Mevduat\u0131n y\u00fczde 46,84 ve BIST 100\u2019\u00fcn ise y\u00fczde 28,94 getiri sa\u011flad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ferdi Emeklilik Sistemi (BES) fonlar\u0131 2024 y\u0131l\u0131nda da b\u00fcy\u00fcmeye devam etti.<\/p>\n","protected":false},"author":1,"featured_media":38765,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[997,4088,2109,6028,1456],"class_list":["post-38764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-2024-yili","tag-fon","tag-getiri","tag-katilimci","tag-yillik"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/38764","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/comments?post=38764"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/38764\/revisions"}],"predecessor-version":[{"id":38766,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/38764\/revisions\/38766"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/38765"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=38764"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=38764"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=38764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}