{"id":63,"date":"2023-04-25T07:55:13","date_gmt":"2023-04-25T07:55:13","guid":{"rendered":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/?page_id=63"},"modified":"2023-04-30T12:14:54","modified_gmt":"2023-04-30T12:14:54","slug":"bireysel-emeklilik","status":"publish","type":"page","link":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/bireysel-emeklilik\/","title":{"rendered":"Bireysel Emeklilik"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"63\" class=\"elementor elementor-63\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ab09adc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ab09adc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ef81d73\" data-id=\"6ef81d73\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-268dd9b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"268dd9b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5dd1da54\" data-id=\"5dd1da54\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-450b3199 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"450b3199\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\">Bireysel Emeklilik<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afe69be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afe69be\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-37e317f\" data-id=\"37e317f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ba24f9 elementor-widget elementor-widget-template\" data-id=\"5ba24f9\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"213\" class=\"elementor elementor-213\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-797c02b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"797c02b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b32b33\" data-id=\"0b32b33\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69093b9 bdt-submenu-type-inner elementor-widget elementor-widget-bdt-vertical-menu\" data-id=\"69093b9\" data-element_type=\"widget\" data-widget_type=\"bdt-vertical-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"bdt-vertical-menu\" data-settings=\"{&quot;id&quot;:&quot;bdt-metismenu-69093b9&quot;,&quot;removeParentLink&quot;:&quot;no&quot;}\">\n\n\t\t\t\t\t\t\t\n\t\t<nav class=\"sidebar-nav\">\n\t\t\t<ul id=\"bdt-metismenu-69093b9\" class=\"metismenu\"><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/bireysel-emeklilik\/\" class=\"\">Bireysel Emeklilik<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/devlet-katkisi\/\" class=\"\">Devlet Katk\u0131s\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"#\"  class=\"has-arrow\">Bireysel Emeklilik Planlar\u0131<\/a><ul><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/gelecek-net-bes-plan\/\" class=\"\">Gelecek Net BES Plan<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/vatandaslik-bes-plani\/\" class=\"\">Vatanda\u015fl\u0131k BES Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/dovizli-bes\/\" class=\"\">D\u00f6vizli Bes<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/besy-bireysel-emeklilik-plani\/\" class=\"\">BESy Bireysel Emeklilik Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/1009-bireysel-emeklilik-plani\/\" class=\"\">1009 Bireysel Emeklilik Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/\" class=\"\">2040-1 Bireysel Emeklilik Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-2-bireysel-emeklilik-plani\/\" class=\"\">2040-2 Bireysel Emeklilik Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-3-bireysel-emeklilik-plani\/\" class=\"\">2040-3 Bireysel Emeklilik Plan\u0131<\/a><\/li><\/ul><\/li><li class=\"bdt-menu-item\"><a href=\"#\"  class=\"has-arrow\">Kurumsal Emeklilik Planlar\u0131m\u0131z<\/a><ul><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/isveren-grup-emeklilik-plani\/\" class=\"\">\u0130\u015fveren Grup Emeklilik Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/gruba-bagli-bes-plani\/\" class=\"\">Gruba Ba\u011fl\u0131 BES Plan\u0131<\/a><\/li><\/ul><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/nasil-emekli-olurum\/\" class=\"\">Nas\u0131l Emekli Olurum?<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/ne-zaman-emekli-olurum\/\" class=\"\">Ne Zaman Emekli Olurum?<\/a><\/li><\/ul>\t\t<\/nav>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a060632\" data-id=\"a060632\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-915b49a elementor-widget elementor-widget-text-editor\" data-id=\"915b49a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Bireysel Emeklilik Sistemi ya da en bilinen k\u0131sa ad\u0131yla BES; sahip oldu\u011fun hayat standard\u0131n\u0131, gelecekte de devam ettirebilmen i\u00e7in birikim yapman\u0131 sa\u011flayan, Devlet Katk\u0131s\u0131yla desteklenmi\u015f, Sosyal G\u00fcvenlik Sistemini tamamlayan avantajl\u0131 bir sistemdir.<\/p><p>Bireysel Emeklilik Sistemine (BES) ya\u015f ve meslek s\u0131n\u0131r\u0131 olmaks\u0131z\u0131n herkes kat\u0131labilir.<\/p><p>Sen de sisteme kat\u0131l\u0131m sa\u011flayan herkes gibi kendi b\u00fct\u00e7ene uygun BES Plan se\u00e7erek, belirledi\u011fin periyotlarda \u00f6demelerini yapabilirsin. Emeklilik hakk\u0131 kazand\u0131\u011f\u0131nda sistemden \u00e7\u0131kmay\u0131p birikim yapmay\u0131 s\u00fcrd\u00fcrebilir ya da birikimin tamam\u0131n\u0131 toplu para olarak alabilirsin. Ayr\u0131ca maa\u015f \u00f6demesi \u015feklinde belirledi\u011fin s\u00fcre zarf\u0131nda \u00f6demelerini geri alman da m\u00fcmk\u00fcnd\u00fcr. Birikimin bir k\u0131sm\u0131n\u0131n topu para, bir k\u0131sm\u0131n\u0131n ise maa\u015f olacak \u015fekilde d\u00fczenlenmesi de BES\u2019te m\u00fcmk\u00fcn.<\/p><p>BES, gelece\u011fin i\u00e7in bug\u00fcnden tasarruf ve yat\u0131r\u0131m yapma imkan\u0131 sunar. Refah seviyeni devam ettirebilmeni ve huzurlu bir emeklilik ge\u00e7irmeni sa\u011flar. \u0130leride ger\u00e7ekle\u015fmesini istedi\u011fin hayallerine, bug\u00fcn\u00fcn \u015fartlar\u0131yla olu\u015fturdu\u011fun emeklilik plan\u0131 ile sahip olma \u015fans\u0131na eri\u015firsin. \u00dcstelik tasarrufunun ne zaman, nas\u0131l ve ne \u015fekilde olaca\u011f\u0131na sen karar verirsin.<\/p><h3>Bireysel Emeklilik Sistemine Kimler Kat\u0131labilir?<\/h3><p>Bireysel Emeklilik Sisteminde (BES) ya\u015f s\u0131n\u0131r\u0131 ve kat\u0131l\u0131m sa\u011flamak i\u00e7in belli bir meslek grubunda olma ko\u015fulu bulunmamaktad\u0131r.<\/p><p>Gelece\u011fin i\u00e7in birikim yapmak ve rahat bir emeklilik d\u00f6nemi ya\u015famak istiyorsan BES ile bug\u00fcnden birikim yapmaya ba\u015flayabilir ve sen de BES\u2019te emekli olabilirsin. \u00dcstelik BES\u2019te emekli olmak i\u00e7in SGK \u00fcyesi olman da gerekmiyor.<\/p><p>Bireysel Emeklilik Sisteminde 18 ya\u015f\u0131ndan k\u00fc\u00e7\u00fcklere BES s\u00f6zle\u015fmesi ba\u015flatarak gelece\u011fe g\u00fcvenle ad\u0131m atmalar\u0131n\u0131 sa\u011flamak da m\u00fcmk\u00fcnd\u00fcr. Avantajl\u0131 Gelecek Net BES Plan\u0131m\u0131z ile sevdi\u011fin \u00e7ocuklara ve gen\u00e7lere \u015fimdi BES ba\u015flatabilirsin.<\/p><h3>BES K\u0131smi \u00d6deme D\u00f6nemi Ba\u015flad\u0131<\/h3><p>22 Ocak 2022 tarihli Resmi Gazete\u2019de yay\u0131mlanan kanun kapsam\u0131nda Bireysel Emeklilik Sisteminde en \u00e7ok beklenilen g\u00fcncelleme nihayet devreye al\u0131nd\u0131 ve BES\u2019te k\u0131smi \u00f6deme d\u00f6nemi ba\u015flad\u0131. Bu geli\u015fmeye g\u00f6re sistemden \u00e7\u0131kmadan ve devlet katk\u0131s\u0131 hesab\u0131ndaki tutarlar haricindeki birikiminden, belirlenecek ko\u015fullar nezdinde %50\u2019sine kadar k\u0131smi \u00f6deme almak art\u0131k m\u00fcmk\u00fcn!<\/p><h3>Bireysel Emeklilik Sistemi Nas\u0131l \u0130\u015fler?<\/h3><p>\u00d6ncelikle sisteme bir s\u00f6zle\u015fme ile kat\u0131ld\u0131ktan sonra dilersen sana tavsiye edilen Emeklilik Yat\u0131r\u0131m Fonlar\u0131 ile dilersen kendi belirleyece\u011fin Emeklilik Yat\u0131r\u0131m Fonlar\u0131 ile birikimini olu\u015fturmaya ba\u015flayabilirsin.<\/p><p>\u00d6demelerini ayl\u0131k, 3 ayl\u0131k, 6 ayl\u0131k ya da y\u0131ll\u0131k olmak \u00fczere belirledi\u011fin bir periyotla yapabilirsin. D\u00fczenli yapm\u0131\u015f oldu\u011fun \u00f6demeler haricinde ek katk\u0131 pay\u0131 \u00f6deyerek birikimini daha da artt\u0131rabilirsin.<\/p><p>Dilersen fon y\u00f6netimini anla\u015fmal\u0131 oldu\u011fumuz portf\u00f6y y\u00f6netim \u015firketlerine devredebilir ve birikimlerindeki hareketleri bireysel \u015fubemizden, mobil uygulamam\u0131zdan veya FiGuru\u2019dan g\u00fcn\u00fcn herhangi bir saatinde takip edebilirsin.<\/p><p>E\u011fer akl\u0131na &#8220;Param nerede?&#8221; sorusu gelirse, t\u00fcm faaliyetlerimizin devletin yetkilendirdi\u011fi kurumlarca s\u00fcrekli denetim ve g\u00f6zetim alt\u0131nda oldu\u011funu da bilmeni isteriz.<\/p><p>18 ya\u015f\u0131ndan k\u00fc\u00e7\u00fcklere BES imk\u00e2n\u0131 i\u00e7in \u00f6zel olarak tasarlad\u0131\u011f\u0131m\u0131z Gelecek Net BES plan\u0131m\u0131zla \u00e7ocuklar\u0131n ve gen\u00e7lerin finansal a\u00e7\u0131dan g\u00fc\u00e7l\u00fc yar\u0131nlar\u0131n\u0131 olu\u015fturmak istersen \u015fimdi ba\u015fvuru yapabilir ve bu plana \u00f6zel avantajlar\u0131m\u0131zdan yararlanabilirsin.<\/p><h3>Bireysel Emeklilik Sistemi&#8217;ne Neden Kat\u0131lmal\u0131s\u0131n?<\/h3><ul><li>Bireysel Emeklilik Sistemi, Devlet Katk\u0131s\u0131 avantaj\u0131na sahiptir.<\/li><li>Kendine \u00f6zel bir emeklilik planlayabilirsin.<\/li><li>Bir, \u00fc\u00e7, alt\u0131 ayl\u0131k ya da y\u0131ll\u0131k olmak \u00fczere \u00f6deme periyodunu kendin belirleyebilirsin.<\/li><li>Katk\u0131 Pay\u0131 tutar\u0131n\u0131 art\u0131rabilir ya da dahil oldu\u011fun BES plan\u0131n asgari katk\u0131 pay\u0131ndan d\u00fc\u015f\u00fck olmamak kayd\u0131yla azaltabilirsin.<\/li><li>Emeklilik plan\u0131n\u0131 y\u0131lda d\u00f6rt kere, fon da\u011f\u0131l\u0131m\u0131n\u0131 ise y\u0131lda on iki kere de\u011fi\u015ftirebilirsin.<\/li><li>Diledi\u011fin zaman \u00f6demelerini durdurabilirsin.<\/li><li>T\u00fcrkiye Cumhuriyeti vatanda\u015f\u0131 olan ya da Mavi Kart sahibi olan t\u00fcm BES kat\u0131l\u0131mc\u0131lar\u0131 Devlet Katk\u0131s\u0131ndan yararlanabilir.<\/li><li>Bireysel Emeklilik fonlar\u0131n\u0131n getirileri, net getirilerdir. Di\u011fer yat\u0131r\u0131m \u00fcr\u00fcnlerine uygulanan stopaj, bireysel emeklilik getirilerinde yap\u0131lmamaktad\u0131r. \u0130\u015fte tam da bu nedenle sen de HDI Fibaemeklilik ile Bireysel Emeklili\u011fini hemen ba\u015flatabilir ve bu avantajlardan yararlanabilirsin.<\/li><\/ul><h4>Haklar\u0131n Nelerdir?<\/h4><ul><li>BES\u2019e dahil oldu\u011funda herkes gibi sen de %30 Devlet Katk\u0131s\u0131ndan faydalanabilirsin.<\/li><li>Katk\u0131 pay\u0131 tutar\u0131n\u0131 ve \u00f6deme d\u00f6nemini emeklilik s\u00f6zle\u015fmesi s\u00fcresi i\u00e7inde de\u011fi\u015ftirebilirsin.<\/li><li>D\u00fczenli \u00f6demelerin d\u0131\u015f\u0131nda sisteme diledi\u011fin tutarda ek katk\u0131 pay\u0131 olarak ara \u00f6demeler yapabilirsin. Katk\u0131 pay\u0131 tutarlar\u0131n\u0131 tek seferde -y\u0131ll\u0131k- \u00f6deyerek devlet katk\u0131s\u0131ndan daha erken yararlanmaya ba\u015flayabilirsin.<\/li><li>Diledi\u011fin zaman, \u00f6demelerine ara verebilir ve daha sonra istedi\u011fin zaman kald\u0131\u011f\u0131n yerden devam edebilirsin. Ancak plan\u0131nda tan\u0131ml\u0131 olmas\u0131 durumunda ara verme hizmet bedeli \u00f6demen gerekebilir.<\/li><li>Emeklilik plan\u0131n\u0131 y\u0131lda d\u00f6rt kere, katk\u0131 paylar\u0131n\u0131n de\u011ferlendi\u011fi fon da\u011f\u0131l\u0131m\u0131n\u0131 ise y\u0131lda on iki kere de\u011fi\u015ftirebilirsin.<\/li><li>Emeklilik s\u00f6zle\u015fmeni imzalad\u0131\u011f\u0131n tarihten sonraki 2 ay i\u00e7erisinde s\u00f6zle\u015fmeden cayma hakk\u0131na sahipsin. Bu durumda yapt\u0131\u011f\u0131n t\u00fcm \u00f6demeler, e\u011fer varsa o g\u00fcne kadarki yat\u0131r\u0131m gelirlerin ile birlikte on i\u015f g\u00fcn\u00fc i\u00e7inde taraf\u0131na iade edilir. Yaln\u0131zca toplam fon i\u015fletim hizmet bedeli uygulan\u0131r.<\/li><li>Emeklilik s\u00f6zle\u015fmenin y\u00fcr\u00fcrl\u00fck tarihinden en az iki y\u0131l ge\u00e7mesi halinde birikimlerini ba\u015fka bir emeklilik \u015firketine aktarabilirsin. Tabii daha sonra tekrar aktar\u0131m yapmak istemen durumunda ise, s\u00f6zle\u015fmenin oldu\u011fu \u015firkette en az 1 y\u0131l kalman gerekmektedir.<\/li><li>BES\u2019ten emekli olabilmek i\u00e7in 56 ya\u015f\u0131n\u0131 doldurmu\u015f olman ve en az 10 tam y\u0131l sistemde kalman yeterlidir.<\/li><li>Emeklili\u011fe hak kazand\u0131ktan sonra tercihine g\u00f6re birikimlerini ister toplu para olarak ister ayl\u0131k maa\u015f ya da bir k\u0131sm\u0131n\u0131 toplu para, bir k\u0131sm\u0131n\u0131 maa\u015f olarak alabilirsin.<\/li><\/ul><h2>Bireysel Emeklilikte Yeni D\u00f6nem<\/h2><h4>Bireysel Emeklilikte 01.01.2016 \u0130tibar\u0131yla De\u011fi\u015fen Mevzuata Ba\u011fl\u0131 Olarak Yeni Bir D\u00f6nem Ba\u015flad\u0131!<\/h4><p>2016 y\u0131l\u0131 itibari ile Giri\u015f Aidat\u0131 ve Y\u00f6netim Gider Kesintileri art\u0131k yaln\u0131zca s\u00f6zle\u015fmenin ilk be\u015f y\u0131l\u0131nda al\u0131nacak olup, be\u015finci y\u0131ldan sonra \u00f6deyece\u011fin katk\u0131 paylar\u0131 do\u011frudan, kesintisiz bir \u015fekilde bireysel emeklilik birikimine eklenecektir.<\/p><p>%25 Devlet Katk\u0131s\u0131 (22.01.2022 itibar\u0131yla art\u0131k %30) avantaj\u0131 aynen devam ederken, 2016 y\u0131l\u0131nda Asgari Br\u00fct \u00dccretin art\u0131\u015f\u0131 ile birlikte Devlet Katk\u0131s\u0131\u2019ndan faydalan\u0131lacak azami tutar da artm\u0131\u015f bulunmaktad\u0131r.<\/p><p>Fon \u0130\u015fletim Gider Kesinti\u2019lerinin belli bir oran\u0131 s\u00f6zle\u015fmenin alt\u0131nc\u0131 y\u0131l\u0131ndan itibaren iade edilmeye ba\u015flanacakt\u0131r. \u0130ade oranlar\u0131 sistemde durdu\u011fun s\u00fcrece her y\u0131l artacak olup, ilgili iade uygulamas\u0131 01.01.2021 tarihinden sonra ba\u015flayacakt\u0131r.<\/p><p><strong>Giri\u015f Aidat\u0131 ve Y\u00f6netim Gider Kesintisi Kalemlerinde Son Durum<\/strong><\/p><p><strong>01.01.2016 Tarihinden Sonra Sisteme Giren M\u00fc\u015fterilerimiz \u0130\u00e7in;<\/strong><\/p><ul><li>Giri\u015f Aidat\u0131, Y\u00f6netim Gideri Kesintisi ve Ara Verme Y\u00f6netim Gider Kesintisine getirilen \u00fcst s\u0131n\u0131r ile art\u0131k bu kesinti kalemlerinin t\u00fcm\u00fc i\u00e7in her y\u0131l en fazla ayl\u0131k asgari br\u00fct \u00fccretinin %8,5\u2019i kadar tutar al\u0131nabilecektir.<\/li><li>Y\u00f6netim Gider Kesintisi, Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider Kesintisi 5. y\u0131ldan sonra al\u0131nmayacakt\u0131r. B\u00f6ylece 5. y\u0131ldan sonra \u00f6deyece\u011fin katk\u0131 paylar\u0131 do\u011frudan kesintisiz bir \u015fekilde bireysel emeklilik birikimine eklenecektir.<\/li><li>\u0130lk 5 y\u0131l i\u00e7inde s\u00f6zle\u015fmenin sonland\u0131r\u0131lmas\u0131 durumunda \u00c7\u0131k\u0131\u015f Aidat\u0131 al\u0131nabilecektir. \u00c7\u0131k\u0131\u015f Aidat\u0131 tutar\u0131 5 y\u0131ll\u0131k s\u00fcre\u00e7te yap\u0131labilecek toplam kesinti \u00fcst limitinden, kat\u0131l\u0131mc\u0131dan ayr\u0131lma tarihine kadar yap\u0131lan Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider Kesintisi ve Y\u00f6netim Gider kesintisi d\u00fc\u015f\u00fclerek hesaplan\u0131r.<\/li><\/ul><p><strong>01.01.2016 Tarihinden \u00d6nce Sisteme Giren M\u00fc\u015fterilerimiz \u0130\u00e7in;<\/strong><\/p><ul><li>Y\u00f6netim Gider Kesintisi, Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider be\u015finci y\u0131ldan sonra al\u0131nmayacakt\u0131r.<\/li><li>2016 y\u0131l\u0131 itibar\u0131yla be\u015f y\u0131l\u0131n\u0131 doldurmayan s\u00f6zle\u015fmeler i\u00e7in, kalan y\u0131llarda bu kesintiler her y\u0131l en fazla ayl\u0131k asgari br\u00fct \u00fccretinin %8,5\u2019i kadar al\u0131nabilecektir.<\/li><li>Be\u015f y\u0131l i\u00e7inde s\u00f6zle\u015fmenin sonland\u0131r\u0131lmas\u0131 durumunda \u00c7\u0131k\u0131\u015f Aidat\u0131 al\u0131nabilecektir. \u00c7\u0131k\u0131\u015f Aidat\u0131 tutar\u0131 be\u015f y\u0131ll\u0131k s\u00fcre\u00e7te yap\u0131labilecek toplam kesinti \u00fcst limitinden, kat\u0131l\u0131mc\u0131dan ayr\u0131lma tarihine kadar yap\u0131lan Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider Kesintisi ve Y\u00f6netim Gider kesintisi d\u00fc\u015f\u00fclerek hesaplan\u0131r.<\/li><li>Mevcut s\u00f6zle\u015fmeden 01.01.2016\u2019dan \u00f6nce be\u015f y\u0131ll\u0131k toplam kesinti tutar\u0131 kadar kesinti yap\u0131lm\u0131\u015fsa; 01.01.2016\u2019dan itibaren kesinti uygulanmayacak.<\/li><\/ul><h4>Y\u00f6netim Gider Kesintisi Hakk\u0131nda<\/h4><p>Bireysel Emeklilik Sistemindeki di\u011fer \u00f6nemli bir de\u011fi\u015fiklik de katk\u0131 pay\u0131 \u00f6demesi \u00fczerinden al\u0131nan Y\u00f6netim Gideri Kesintisi&#8217;nin art\u0131k birikim hesab\u0131ndan indirilebilecek olmas\u0131d\u0131r.<\/p><h4>Fon \u0130\u015fletim Gider Kesintisi Hakk\u0131nda<\/h4><ul><li>Fon \u0130\u015fletim Gider Kesintisi kalemlerinde herhangi bir de\u011fi\u015fiklik yap\u0131lmam\u0131\u015f olup, 01.01.2021 itibar\u0131yla iade uygulamas\u0131 ba\u015flayacakt\u0131r.<\/li><li>5 y\u0131l boyunca fon t\u00fcrlerine g\u00f6re her y\u0131l % 1.09 ile % 2.28 aras\u0131nda de\u011fi\u015fen oranlarda toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc \u00fczerinden yap\u0131lan kesinti devam edecektir.<\/li><\/ul><h4>D\u00fczensiz \u00d6deme<\/h4><p>Yeni mevzuat ile birlikte d\u00fczenli \u00f6deme yapmak art\u0131k daha da \u00f6nemli hale geliyor.<\/p><ul><li>Vadesi 01.01.2016 ve sonras\u0131 olan \u00f6demeler i\u00e7in; s\u00f6zle\u015fmede belirlenen vadeye ait katk\u0131 pay\u0131 \u00f6demesinin \u00f6deme tarihini takip eden \u00fc\u00e7 ay i\u00e7inde yap\u0131lmamas\u0131 durumunda s\u00f6zle\u015fmede d\u00fczensiz \u00f6deme yap\u0131ld\u0131\u011f\u0131 kabul edilir.<\/li><li>D\u00fczensiz \u00f6deme yap\u0131ld\u0131\u011f\u0131 kabul edilen bir s\u00f6zle\u015fmenin, \u00f6denmemi\u015f vadelerinin t\u00fcm\u00fcn\u00fcn defaten kapat\u0131lmas\u0131 durumunda s\u00f6zle\u015fme tekrar d\u00fczenli \u00f6deme stat\u00fcs\u00fcne al\u0131nacakt\u0131r.<\/li><li>D\u00fczensiz \u00f6deme stat\u00fcs\u00fc i\u00e7eren bir s\u00f6zle\u015fmede \u00e7\u0131k\u0131\u015f olmas\u0131 durumunda ilerleyen maddelerde detayland\u0131r\u0131lan Devlet Katk\u0131s\u0131 kontrol\u00fcne ba\u011fl\u0131 kesinti iadesi yap\u0131lmayacakt\u0131r.<\/li><\/ul><h4>01.01.2021 \u0130tibar\u0131yla Uygulanacak De\u011fi\u015fiklikler<\/h4><p>01.01.2021 itibar\u0131yla ;<\/p><ul><li>Fon \u0130\u015fletim Gider Kesintisinin belli bir oran\u0131 iade edilmeye ba\u015flayacakt\u0131r.<\/li><li>S\u00f6zle\u015fmenin sonlanmas\u0131 durumunda, yap\u0131lacak kesintilerin toplam tutar\u0131 devlet katk\u0131s\u0131 hesab\u0131ndaki tutar\u0131n belli bir oran\u0131n\u0131 ge\u00e7emeyecektir.<\/li><li>D\u00fczensiz \u00f6deme stat\u00fcs\u00fc i\u00e7eren bir s\u00f6zle\u015fmede \u00e7\u0131k\u0131\u015f olmas\u0131 durumunda ilerleyen maddelerde detayland\u0131r\u0131lan Devlet Katk\u0131s\u0131 kontrol\u00fcne ba\u011fl\u0131 kesinti iadesi yap\u0131lmayacakt\u0131r.<\/li><\/ul><h4>Fon \u0130\u015fletim Giderinden \u0130ade<\/h4><ul><li>Fon i\u015fletim gider kesintilerinin de belli bir oran\u0131 s\u00f6zle\u015fmenin alt\u0131nc\u0131 y\u0131l\u0131ndan itibaren iade edilmeye ba\u015flanacakt\u0131r.<\/li><li>\u0130ade oranlar\u0131 sistemde kal\u0131nan s\u00fcre her y\u0131l artacak olup iadeler 01.01.2021 tarihinden sonra ba\u015flayacakt\u0131r.<\/li><li>S\u00f6zle\u015fme y\u0131l\u0131 ve ona kar\u015f\u0131l\u0131k gelen iade oranlar\u0131 a\u015fa\u011f\u0131daki tabloda yer almaktad\u0131r.<\/li><\/ul><table class=\"responsive-table k-table\"><thead><tr><th>S\u00d6ZLE\u015eME YILI<\/th><th>\u0130ADE ORANI<\/th><\/tr><\/thead><tbody><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">6. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">2,5%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">7. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">5%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">8. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">7,5%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">9. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">10%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">10. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">12,5%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">11. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">15%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">12. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">17,5%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">13. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">17,5%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">14. Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">22,5%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">15+ Y\u0131l i\u00e7in;<\/td><td data-label=\"\u0130ade Oran\u0131\">25%<\/td><\/tr><\/tbody><\/table><ul><li>\u0130adeler, s\u00f6zle\u015fme baz\u0131nda ve s\u00f6zle\u015fme y\u0131l d\u00f6n\u00fcmleri esas al\u0131nmak suretiyle y\u0131ll\u0131k olarak yap\u0131lacakt\u0131r.<\/li><li>\u0130ade oran\u0131n\u0131n belirlenmesine ili\u015fkin s\u00fcrenin hesab\u0131nda, 01.01.2013 tarihinden itibaren sistemde ge\u00e7irilen s\u00fcre esas al\u0131nacakt\u0131r.<\/li><li>Kesintinin hesaplama tarihi itibar\u0131yla mevcut bulunan birikimin %1,1\u2019inin alt\u0131nda kalan k\u0131sm\u0131 i\u00e7in iade uygulanmayacakt\u0131r.<\/li><\/ul><h4>Devlet Katk\u0131s\u0131 Kontrol\u00fc<\/h4><ul><li>Devlet Katk\u0131s\u0131, bireysel emeklilik s\u00f6zle\u015fmesinden al\u0131nan toplam kesintilerin kontrol\u00fc i\u00e7in bir unsur haline getiriliyor.<\/li><li>S\u00f6zle\u015fmenin sonlanmas\u0131 durumunda; s\u00f6zle\u015fmenin y\u00fcr\u00fcrl\u00fck tarihinden sonlanma tarihine kadar yap\u0131lan kesintilerin toplam tutar\u0131, Devlet Katk\u0131s\u0131 hesab\u0131nda bulunan tutar \u00fczerinden, a\u015fa\u011f\u0131daki tabloda yer alan oranlar kullan\u0131larak hesaplanacak tutar\u0131 ge\u00e7emeyecektir.<\/li><\/ul><table class=\"responsive-table k-table\"><thead><tr><th data-role=\"resizable\">S\u00d6ZLE\u015eME YILI<\/th><th>KONTROLDE KULLANILACAK ORAN<\/th><\/tr><\/thead><tbody><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">5<\/td><td data-label=\"Kontrolde Kullan\u0131lacak Oran\">60%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">7<\/td><td data-label=\"Kontrolde Kullan\u0131lacak Oran\">70%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">8<\/td><td data-label=\"Kontrolde Kullan\u0131lacak Oran\">80%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">9<\/td><td data-label=\"Kontrolde Kullan\u0131lacak Oran\">90%<\/td><\/tr><tr><td data-label=\"S\u00f6zle\u015fme Y\u0131l\u0131\">10+<\/td><td data-label=\"Kontrolde Kullan\u0131lacak Oran\">100%<\/td><\/tr><\/tbody><\/table><ul><li>Devlet Katk\u0131s\u0131 ile ili\u015fkilendirilmi\u015f toplam kesinti tutar\u0131, s\u00f6zle\u015fmenin 6. y\u0131l ve sonras\u0131 i\u00e7in uygulanacakt\u0131r. 01\/01\/2021 tarihinden itibaren kontrol yap\u0131lmaya ba\u015flanacakt\u0131r.<\/li><li>Bu kontrolde, 01.01.2016 tarihi itibar\u0131yla mevcut bulunan birikimler ve bunlar\u0131n getirileri \u00fczerinden kontrol tarihine kadar yap\u0131lan kesintiler dikkate al\u0131nmayacakt\u0131r.<\/li><\/ul><h4>\u00d6nemli Hususlar<\/h4><ul><li>Kontrol tarihi itibar\u0131yla toplam birikim tutar\u0131 y\u0131ll\u0131k br\u00fct asgari \u00fccretin 10 kat\u0131n\u0131 a\u015fan s\u00f6zle\u015fmeler ve d\u00fczensiz \u00f6deme i\u00e7eren s\u00f6zle\u015fmeler i\u00e7in limit kontrol\u00fc yap\u0131lmayacakt\u0131r.<\/li><li>\u0130\u015fveren, Grup Emeklilik sertifikas\u0131nda kontrol yap\u0131lmayacakt\u0131r.<\/li><li>Limitler belirlenirken s\u00f6zle\u015fmenin sistemde ge\u00e7irdi\u011fi s\u00fcre dikkate al\u0131nacakt\u0131r.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d68ee64 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d68ee64\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-69db5cc9 elementor-invisible\" data-id=\"69db5cc9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40777dc4 elementor-widget elementor-widget-heading\" data-id=\"40777dc4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Who we are<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bfac963 elementor-widget elementor-widget-heading\" data-id=\"4bfac963\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Building a brighter future for children, one step at a time.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f8b1c61 elementor-widget elementor-widget-text-editor\" data-id=\"6f8b1c61\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60b83aa7 elementor-widget elementor-widget-button\" data-id=\"60b83aa7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Discover more<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2d4ebb4f\" data-id=\"2d4ebb4f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60023971 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"60023971\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;bounceInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/at-the-psychologist-1.jpg\" class=\"attachment-full size-full wp-image-121\" alt=\"\" srcset=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/at-the-psychologist-1.jpg 1280w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/at-the-psychologist-1-300x200.jpg 300w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/at-the-psychologist-1-1024x682.jpg 1024w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/at-the-psychologist-1-768x512.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66414b3b elementor-widget__width-auto elementor-absolute elementor-invisible elementor-widget elementor-widget-image\" data-id=\"66414b3b\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;zoomIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/elementor\/thumbs\/img_2-qd33t2bzt8uhejhxwx7g0ijxii0aa6i0pe4j8jf30g.png\" title=\"img_2.png\" alt=\"img_2.png\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-386fecd8 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"386fecd8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6cd75284\" data-id=\"6cd75284\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5e109eb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e109eb4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2dfcc499\" data-id=\"2dfcc499\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7dc0974e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7dc0974e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Our Value<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d544ff9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5d544ff9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Empowering children to succeed in life and reach their goals.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cef1948 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"4cef1948\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Netus commodo eget tempus nulla augue neque aliquet sagittis erat. Mattis amet sapien auctor euismod ullamcorper. Nascetur tortor aenean litora praesent luctus rhoncus finibus dictum.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2aa44247 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2aa44247\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4e8ad6c3 elementor-invisible\" data-id=\"4e8ad6c3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;bounceInLeft&quot;,&quot;animation_delay&quot;:375}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1a25db elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"b1a25db\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-box.min.css\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-heart-pulse\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tOur Vission\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3801c638 elementor-invisible\" data-id=\"3801c638\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;bounceInLeft&quot;,&quot;animation_delay&quot;:350}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54a36863 elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"54a36863\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-smile\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tOur Mission\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-65b6ed71\" data-id=\"65b6ed71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2aeca566 elementor-widget elementor-widget-image\" data-id=\"2aeca566\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/expressing-emotions-through-art.jpg\" class=\"attachment-full size-full wp-image-126\" alt=\"\" srcset=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/expressing-emotions-through-art.jpg 1280w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/expressing-emotions-through-art-300x200.jpg 300w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/expressing-emotions-through-art-1024x682.jpg 1024w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/expressing-emotions-through-art-768x512.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b4eff04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b4eff04\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3448f4ab\" data-id=\"3448f4ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1a40a09c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a40a09c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7ca2b697 elementor-invisible\" data-id=\"7ca2b697\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6353f236 elementor-widget elementor-widget-heading\" data-id=\"6353f236\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Meet our team<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d7fdba9 elementor-widget elementor-widget-heading\" data-id=\"6d7fdba9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Teamwork makes the dream work\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-418e48bc elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"418e48bc\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-734b9530\" data-id=\"734b9530\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6775259c elementor-widget elementor-widget-elementskit-team\" data-id=\"6775259c\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\">\n\t\t\t\t\t\t\t <div class=\"image-card-v2\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-image-card elementor-animation- ekit-team-img ekit-team-style-overlay_details text-center\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"667\" src=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/mature-psychologist-e1672764746665.jpg\" class=\"attachment-full size-full wp-image-145\" alt=\"\" srcset=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/mature-psychologist-e1672764746665.jpg 500w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/mature-psychologist-e1672764746665-225x300.jpg 225w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hover-area\">\n\t\t\t\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMatilda Burns\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"profile-designation\">Founder<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-footer\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ekit-team-social-list\">\n\t\t\t<li class=\"elementor-repeater-item-48f576d\">\n\t\t\t<a href=\"#\" aria-label=\"Facebook\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-facebook\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-9d24754\">\n\t\t\t<a href=\"#\" aria-label=\"Linkedin\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-linkedin\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-4da3e85\">\n\t\t\t<a href=\"#\" aria-label=\"Email\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"mdi mdi-email\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t <\/div> \n\t\t\t\t\n\t\t\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-9ccd3d5\" data-id=\"9ccd3d5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8837245 elementor-widget elementor-widget-elementskit-team\" data-id=\"8837245\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\">\n\t\t\t\t\t\t\t <div class=\"image-card-v2\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-image-card elementor-animation- ekit-team-img ekit-team-style-overlay_details text-center\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"665\" src=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/professional-psychotherapy-portrait-of-young-black-female-psychologist-holding-clipboard-smiling-e1672745306872.jpg\" class=\"attachment-full size-full wp-image-146\" alt=\"\" srcset=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/professional-psychotherapy-portrait-of-young-black-female-psychologist-holding-clipboard-smiling-e1672745306872.jpg 500w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/professional-psychotherapy-portrait-of-young-black-female-psychologist-holding-clipboard-smiling-e1672745306872-226x300.jpg 226w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hover-area\">\n\t\t\t\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tJenny Rasmussen\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"profile-designation\">Co-Founder<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-footer\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ekit-team-social-list\">\n\t\t\t<li class=\"elementor-repeater-item-48f576d\">\n\t\t\t<a href=\"#\" aria-label=\"Facebook\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-facebook\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-9d24754\">\n\t\t\t<a href=\"#\" aria-label=\"Linkedin\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-linkedin\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-4da3e85\">\n\t\t\t<a href=\"#\" aria-label=\"Email\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"mdi mdi-email\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t <\/div> \n\t\t\t\t\n\t\t\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7e87c03c\" data-id=\"7e87c03c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bf33bc0 elementor-widget elementor-widget-elementskit-team\" data-id=\"5bf33bc0\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\">\n\t\t\t\t\t\t\t <div class=\"image-card-v2\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-image-card elementor-animation- ekit-team-img ekit-team-style-overlay_details text-center\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"666\" src=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/portrait-of-female-psychologist-with-clipboard-sitting-in-office-e1672764283223.jpg\" class=\"attachment-full size-full wp-image-147\" alt=\"\" srcset=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/portrait-of-female-psychologist-with-clipboard-sitting-in-office-e1672764283223.jpg 500w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/portrait-of-female-psychologist-with-clipboard-sitting-in-office-e1672764283223-225x300.jpg 225w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hover-area\">\n\t\t\t\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMadison Fisher\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"profile-designation\">Occupational Therapist<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-footer\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ekit-team-social-list\">\n\t\t\t<li class=\"elementor-repeater-item-48f576d\">\n\t\t\t<a href=\"#\" aria-label=\"Facebook\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-facebook\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-9d24754\">\n\t\t\t<a href=\"#\" aria-label=\"Linkedin\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-linkedin\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-4da3e85\">\n\t\t\t<a href=\"#\" aria-label=\"Email\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"mdi mdi-email\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t <\/div> \n\t\t\t\t\n\t\t\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-21d9e8f5\" data-id=\"21d9e8f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cc39360 elementor-widget elementor-widget-elementskit-team\" data-id=\"6cc39360\" data-element_type=\"widget\" data-widget_type=\"elementskit-team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\">\n\t\t\t\t\t\t\t <div class=\"image-card-v2\"> \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-image-card elementor-animation- ekit-team-img ekit-team-style-overlay_details text-center\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"666\" src=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/female-psychologist-in-office-e1672764323115.jpg\" class=\"attachment-full size-full wp-image-148\" alt=\"\" srcset=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/female-psychologist-in-office-e1672764323115.jpg 500w, https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/female-psychologist-in-office-e1672764323115-225x300.jpg 225w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hover-area\">\n\t\t\t\t\t\t\t<div class=\"profile-body\">\n\t\t\t\t\t\t\t\t<h2 class=\"profile-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAmelia Cox\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t<p class=\"profile-designation\">Speech Pathologist<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"profile-footer\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ekit-team-social-list\">\n\t\t\t<li class=\"elementor-repeater-item-48f576d\">\n\t\t\t<a href=\"#\" aria-label=\"Facebook\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-facebook\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-9d24754\">\n\t\t\t<a href=\"#\" aria-label=\"Linkedin\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-linkedin\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t\t\t<li class=\"elementor-repeater-item-4da3e85\">\n\t\t\t<a href=\"#\" aria-label=\"Email\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"mdi mdi-email\"><\/i>\t\t\t<\/a>\n\t\t<\/li>\n\t<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t <\/div> \n\t\t\t\t\n\t\t\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bireysel Emeklilik Sistemi ya da en bilinen k\u0131sa ad\u0131yla BES; sahip oldu\u011fun hayat standard\u0131n\u0131, gelecekte de devam ettirebilmen i\u00e7in birikim yapman\u0131 sa\u011flayan, Devlet Katk\u0131s\u0131yla desteklenmi\u015f, Sosyal G\u00fcvenlik Sistemini tamamlayan avantajl\u0131 bir sistemdir. Bireysel Emeklilik Sistemine (BES) ya\u015f ve meslek s\u0131n\u0131r\u0131 olmaks\u0131z\u0131n herkes kat\u0131labilir. Sen de sisteme kat\u0131l\u0131m sa\u011flayan herkes gibi kendi b\u00fct\u00e7ene uygun BES Plan &#8230; <a title=\"Bireysel Emeklilik\" class=\"read-more\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/bireysel-emeklilik\/\" aria-label=\"More on Bireysel Emeklilik\">Devam\u0131n\u0131 oku&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-63","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bireysel Emeklilik - \u00c7SM Sigorta<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/bireysel-emeklilik\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bireysel Emeklilik - \u00c7SM Sigorta\" \/>\n<meta property=\"og:description\" content=\"Bireysel Emeklilik Sistemi ya da en bilinen k\u0131sa ad\u0131yla BES; sahip oldu\u011fun hayat standard\u0131n\u0131, gelecekte de devam ettirebilmen i\u00e7in birikim yapman\u0131 sa\u011flayan, Devlet Katk\u0131s\u0131yla desteklenmi\u015f, Sosyal G\u00fcvenlik Sistemini tamamlayan avantajl\u0131 bir sistemdir. Bireysel Emeklilik Sistemine (BES) ya\u015f ve meslek s\u0131n\u0131r\u0131 olmaks\u0131z\u0131n herkes kat\u0131labilir. Sen de sisteme kat\u0131l\u0131m sa\u011flayan herkes gibi kendi b\u00fct\u00e7ene uygun BES Plan ... 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