Bireysel Emeklilik Sistemi’nde (BES) devlet katk\u0131s\u0131 oran\u0131n d\u00fc\u015f\u00fcr\u00fclmesi \u00e7al\u0131\u015fmas\u0131 yap\u0131l\u0131yor. Hazine ve Maliye Bakanl\u0131\u011f\u0131’n\u0131n her 100 liral\u0131k birikime devletin 30 lira katk\u0131 yapt\u0131\u011f\u0131 Bireysel Emeklilik Sistemi (BES) ve Otomatik Kat\u0131l\u0131m Sistemi’nde oran\u0131n y\u00fczde 20’ye d\u00fc\u015f\u00fcr\u00fclmesi \u00e7al\u0131\u015fmas\u0131 yapt\u0131\u011f\u0131 \u00f6\u011frenildi. T\u00fcrkiye Sigorta Birli\u011fi ve sekt\u00f6r temsilcilerinin ise y\u00fczde 20 yerine 25’e indirilmesini bakanl\u0131\u011f\u0131 iletti\u011fi bildirildi. Bir s\u00fcre \u00f6nce Cumhurba\u015fkanl\u0131\u011f\u0131’na y\u00fczde 30 olan katk\u0131n\u0131n y\u00fczde 50’ye \u00e7\u0131kar\u0131lmas\u0131 ve s\u0131f\u0131ra kadar indirmeye yetki verilmi\u015fti. Bu yetkinin ard\u0131ndan bakanl\u0131k enflasyondaki d\u00fc\u015f\u00fc\u015f\u00fc de g\u00f6z \u00f6n\u00fcne alarak 2022’de y\u00fcksek enflasyon d\u00f6neminde y\u00fczde 25’ten y\u00fczde 30’a \u00e7\u0131kard\u0131\u011f\u0131 devlet katk\u0131s\u0131n\u0131n b\u00fct\u00e7eye maliyetini d\u00fc\u015f\u00fcrmek i\u00e7in harekete ge\u00e7ti. Bu y\u0131l b\u00fct\u00e7eye maliyeti 75 milyar lira olan devlet katk\u0131s\u0131 tutar\u0131n\u0131 2026 b\u00fct\u00e7esinde y\u00fczde 76 art\u0131\u015fla 132 milyara \u00e7\u0131karm\u0131\u015ft\u0131. REKLAM TASARRUFLARI AZALTIR END\u0130\u015eES\u0130 Tasarrufun az olmas\u0131 nedeniyle hayata ge\u00e7irilen BES, \u015fimdiye kadar hisse fonlar\u0131 arac\u0131l\u0131\u011f\u0131 ile Borsa \u0130stanbul ve tahvil fonlar\u0131 arac\u0131l\u0131\u011f\u0131 ile de devlet tahvillerine yat\u0131r\u0131m\u0131 art\u0131rarak 2,1 trilyon liral\u0131k b\u00fcy\u00fckl\u00fc\u011fe ula\u015ft\u0131. Devlet katk\u0131s\u0131n oran\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclmesinin tasarruflar\u0131 azaltmas\u0131ndan endi\u015fe ediliyor ancak BES fonlar\u0131n\u0131n son 3 y\u0131ld\u0131r enflasyonun \u00fcst\u00fcnde getiri sa\u011flamas\u0131 etkinin s\u0131n\u0131rl\u0131 kalabilece\u011fini g\u00f6steriyor. Son 3 y\u0131lda enflasyon y\u00fczde 212 olurken BES’te alt\u0131n fonlar\u0131 y\u00fczde 534, hisse fonlar\u0131 y\u00fczde 400 getiri sa\u011flad\u0131. Likit fonlar, \u00f6zel sekt\u00f6r bonolar\u0131 ve Eurobond fonlar\u0131 enflasyonun \u00fcst\u00fcnde getiri sa\u011flad\u0131. Di\u011fer yandan sistemin stopaj (vergi kesintisi) avantaj\u0131 da bulunuyor. .png 215 M\u0130LYAR \u00d6DEND\u0130 39 M\u0130LYARI HAZ\u0130NE’YE GER\u0130 D\u00d6ND\u00dc BES ve Otomatik Kat\u0131l\u0131m Sistemi’nde \u015fimdiye kadar vatanda\u015fa yap\u0131lan \u00f6deme 215 milyar lira. 2,1 trilyon liral\u0131k birikime g\u00f6re bu rakam y\u00fczde 10’luk bir katk\u0131y\u0131 ifade ediyor. Ancak sistemin ba\u015flad\u0131\u011f\u0131 2003 ile 2013 aras\u0131nda devlet katk\u0131s\u0131 yoktu. \u00c7al\u0131\u015fanlar vergi iadesi \u015feklinde destekleniyordu. Bu nedenle devlet katk\u0131s\u0131n\u0131n ba\u015flad\u0131\u011f\u0131 2013’ten bu yana sistemden erken ayr\u0131lmalar nedeniyle Hazine’ye d\u00f6nen 39 milyar liray\u0131 da g\u00f6z\u00f6n\u00fcne alarak fiilen sistemin devlete ger\u00e7ek y\u00fck\u00fcn\u00fcn y\u00fczde 15-20 civar\u0131nda oldu\u011funu s\u00f6ylersek yanl\u0131\u015f s\u00f6ylemi\u015f olmay\u0131z. B\u0130R \u00d6NER\u0130: HAKED\u0130\u015eE G\u00d6RE KATKI OLSUN Yeni d\u00fczenlemenin T\u00fcrkiye’nin tasarruf eksi\u011fini kapatmada \u00f6nemli rol oynayan BES’te endi\u015fe yarat\u0131p sistemi bozabilecek etkide bulunmamas\u0131 i\u00e7in \u00f6neriler de mevcut. Sigorta ve \u00d6zel Emeklilik \u015eirketleri D\u00fczenleme ve Denetleme Kurumu (SEDDK) eski m\u00fcfetti\u015fi Do\u00e7. Dr. Metin Sar\u0131aslan “BES\u2019te devlet katk\u0131s\u0131n\u0131 y\u00fczde 30\u2019dan y\u00fczde 20\u2019ye d\u00fc\u015f\u00fcrmeyin. Bunun yerine, OKS\u2019de oldu\u011fu gibi devlet katk\u0131s\u0131n\u0131n hak edildik\u00e7e kat\u0131l\u0131mc\u0131n\u0131n hesab\u0131na aktar\u0131lmas\u0131 sistemine ge\u00e7in. Bu y\u00f6ntem hem sistemde kal\u0131c\u0131l\u0131\u011f\u0131 art\u0131r\u0131r hem de devlet katk\u0131s\u0131n\u0131n amac\u0131na daha uygun kullan\u0131lmas\u0131n\u0131 sa\u011flar. \u0130kinci \u00f6nerim; hak edilen devlet katk\u0131s\u0131 tutarlar\u0131na ait fonlar\u0131n y\u00f6netiminin de kat\u0131l\u0131mc\u0131lara b\u0131rak\u0131lmas\u0131d\u0131r. B\u00f6ylelikle devlet katk\u0131s\u0131 getirisi d\u00fc\u015f\u00fck kal\u0131yor \u015fikayetleri de biter” diyor. \u0130kinci \u00f6neri ise 56 ya\u015f\u0131n\u0131 dolduranlara y\u00fczde 20 alt\u0131nda olanlara ise y\u00fczde 25 veya 30 devlet katk\u0131s\u0131 verilmesi.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bireysel Emeklilik Sistemi’nde (BES) devlet katk\u0131s\u0131 oran\u0131n d\u00fc\u015f\u00fcr\u00fclmesi \u00e7al\u0131\u015fmas\u0131 yap\u0131l\u0131yor. Hazine ve Maliye Bakanl\u0131\u011f\u0131’n\u0131n her 100 liral\u0131k birikime devletin 30 lira katk\u0131 yapt\u0131\u011f\u0131 Bireysel Emeklilik Sistemi (BES) ve Otomatik Kat\u0131l\u0131m Sistemi’nde oran\u0131n y\u00fczde 20’ye d\u00fc\u015f\u00fcr\u00fclmesi \u00e7al\u0131\u015fmas\u0131 yapt\u0131\u011f\u0131 \u00f6\u011frenildi. T\u00fcrkiye Sigorta Birli\u011fi ve sekt\u00f6r temsilcilerinin ise y\u00fczde 20 yerine 25’e indirilmesini bakanl\u0131\u011f\u0131 iletti\u011fi bildirildi. Bir s\u00fcre […]<\/p>\n","protected":false},"author":0,"featured_media":26865,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[1227,1228,1229,1230],"class_list":["post-26864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bes","tag-bireysel-emeklilik-sistemi","tag-devlet-katkisi","tag-tasarruf"],"_links":{"self":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts\/26864","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/comments?post=26864"}],"version-history":[{"count":1,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts\/26864\/revisions"}],"predecessor-version":[{"id":26866,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/posts\/26864\/revisions\/26866"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/media\/26865"}],"wp:attachment":[{"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/media?parent=26864"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/categories?post=26864"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daktilock.com\/index.php\/wp-json\/wp\/v2\/tags?post=26864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}