{"id":281,"date":"2023-04-30T11:57:09","date_gmt":"2023-04-30T11:57:09","guid":{"rendered":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/?p=281"},"modified":"2023-04-30T11:57:09","modified_gmt":"2023-04-30T11:57:09","slug":"2040-2-bireysel-emeklilik-plani","status":"publish","type":"post","link":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-2-bireysel-emeklilik-plani\/","title":{"rendered":"2040-2 Bireysel Emeklilik Plan\u0131"},"content":{"rendered":"<p>Emeklilik d\u00f6nemin i\u00e7in bug\u00fcnden yapaca\u011f\u0131n k\u00fc\u00e7\u00fck \u00f6demelerle gelecekte sana b\u00fcy\u00fck avantajlar sa\u011flayacak muhte\u015fem bir plan\u0131m\u0131z var!<\/p>\n<p>Hayallerini ger\u00e7ekle\u015ftirmen i\u00e7in ek gelir sa\u011flayacak olan birikimini 2040-2 BES Plan\u0131m\u0131z ile yapabilirsin. \u00dcstelik 2040-2&#8217;da Bireysel Emeklilik hesab\u0131na yat\u0131rd\u0131\u011f\u0131n Katk\u0131 Pay\u0131 ve Ek Katk\u0131 Pay\u0131 \u00fczerinden y\u00f6netim gider kesintisi al\u0131nmaz.<\/p>\n<p>Haydi! Bu muhte\u015fem plana biraz daha yak\u0131ndan bakal\u0131m.<\/p>\n<h3>2040-2 Bireysel Emeklilik Plan\u0131 Avantajlar\u0131<\/h3>\n<p>2040-2 Bireysel Emeklilik Plan\u0131&#8217;nda da yat\u0131rd\u0131\u011f\u0131n Katk\u0131 Pay\u0131n\u0131n %30&#8217;u oran\u0131nda ek bir tutar devlet taraf\u0131ndan birikim hesab\u0131na yat\u0131r\u0131l\u0131r. \u00d6deme periyodunu da 1 ayl\u0131k, 3 ayl\u0131k, 6 ayl\u0131k ya da y\u0131ll\u0131k olmak \u00fczere planlayabilirsin. Y\u0131lda 4 kez plan de\u011fi\u015fikli\u011fi, 12 kez de fon de\u011fi\u015fikli\u011fi imkan\u0131n bulunur.<\/p>\n<h3>2040-2 Emeklilik Plan\u0131 Hakk\u0131nda Bilmen Gerekenler<\/h3>\n<ul>\n<li>Bu plan\u0131n ayl\u0131k asgari Katk\u0131 Pay\u0131 tutar\u0131 350 TL&#8217;dir. 2040-2 Bireysel Emeklilik Plan\u0131&#8217;nda dilersen asgari 5.000 TL Ba\u015flang\u0131\u00e7 Katk\u0131 Pay\u0131 yat\u0131rarak ayl\u0131k asgari tutar\u0131n\u0131 250 TL olarak \u00f6deyebilirsin.<\/li>\n<li>Bireysel Emeklilik Sistemi, T\u00fcrk Liras\u0131 cinsinden i\u015flemektedir ve birikimlerin, T\u00fcrk Liras\u0131 cinsinden de\u011ferlendirilir.<\/li>\n<\/ul>\n<h3>BES Giri\u015f Aidat\u0131<\/h3>\n<ul>\n<li>BES&#8217;e ilk defa 2040-2 Plan\u0131 ile kat\u0131lacaksan ilgili giderlerin kar\u015f\u0131lanmas\u0131 amac\u0131yla giri\u015f bedeli \u00f6demen gerekiyor. Bu plan\u0131n giri\u015f aidat\u0131 tutar\u0131, ayl\u0131k br\u00fct asgari \u00fccretin %4,25&#8217;i olarak belirlenir.<\/li>\n<li>E\u011fer HDI Fibaemeklilik&#8217;te aktif bir Bireysel Emeklilik s\u00f6zle\u015fmen varsa ba\u015flatt\u0131\u011f\u0131n yeni s\u00f6zle\u015fmenden giri\u015f aidat\u0131 al\u0131nmayaca\u011f\u0131n\u0131 bilmelisin.<\/li>\n<li>Ba\u015fka bir emeklilik \u015firketinden aktar\u0131m ile bu plana dahil olduysan aram\u0131za ho\u015f geldin. Bu durumda da giri\u015f aidat\u0131 \u00f6demeyece\u011fini de belirtelim.<\/li>\n<\/ul>\n<h3>Katk\u0131 Pay\u0131 \u00d6demelerine Ara Verme<\/h3>\n<ul>\n<li>Emeklilik s\u00f6zle\u015fmesi s\u00fcresi i\u00e7inde Katk\u0131 Pay\u0131 \u00f6demesine ara verme hakk\u0131na sahipsin.<\/li>\n<li>Katk\u0131 Pay\u0131n\u0131 vadesinde \u00f6dememen ve son \u00f6deme tarihinin ard\u0131ndan \u00fc\u00e7 ay i\u00e7inde ilgili hesaba bir \u00f6deme yapmaman durumunda s\u00f6zle\u015fmeye ara verdi\u011fin kabul edilir.<\/li>\n<li>Ara verme s\u00fcresi boyunca ayl\u0131k asgari br\u00fct \u00fccretin %8,5&#8217;i kadar TL tutar\u0131nda (mevzuatta belirtilen \u00fcst s\u0131n\u0131r\u0131 a\u015fmamak \u015fart\u0131yla) Ara Verme Y\u00f6netim Gider Kesintisi, birikiminden kesilir.<\/li>\n<li>Bir y\u0131ldan uzun s\u00fcre \u00f6demeye ara verilmesi durumunda ise Bireysel Emeklilik hesab\u0131na ili\u015fkin olarak Emeklilik G\u00f6zetim Merkezi&#8217;ne \u00f6denen sabit giderler, s\u00f6zle\u015fmedeki birikiminin ana para k\u0131sm\u0131ndan tahsil edilir.<\/li>\n<li>Y\u00f6netim Gider Kesintisi, Giri\u015f Aidat\u0131 ve Ara Verme Y\u00f6netim Gider Kesintisi toplam\u0131, y\u0131ll\u0131k olarak her y\u0131l i\u00e7in Ayl\u0131k Br\u00fct Asgari \u00dccretin %8,5&#8217;ine kar\u015f\u0131l\u0131k gelen maktu tutar\u0131 a\u015famaz. \u0130lgili kesintiler, s\u00f6zle\u015fmenin ilk 5 y\u0131l\u0131 yap\u0131labilir.<\/li>\n<\/ul>\n<h3>Sistemden Ayr\u0131lma<\/h3>\n<ul>\n<li>Sistemden ayr\u0131lman halinde sistemde kald\u0131\u011f\u0131n s\u00fcreye ba\u011fl\u0131 olarak ertelenmi\u015f giri\u015f aidat\u0131 al\u0131n\u0131r. 5 y\u0131l ve \u00fczeri s\u00fcrelerde kalan kat\u0131l\u0131mc\u0131lar i\u00e7in bu uygulama ge\u00e7erli de\u011fildir.<\/li>\n<li>Emeklilik hakk\u0131n\u0131n kullan\u0131lmas\u0131 veya vefat, maluliyet yahut \u015firketin tasfiyesi gibi zorunlu nedenlerle ayr\u0131lma durumlar\u0131 haricinde, 5 y\u0131ll\u0131k s\u00f6zle\u015fme s\u00fcresi dolmadan \u015firketten ayr\u0131lman durumunda, Bireysel Emeklilik hesab\u0131ndaki birikiminden ertelenmi\u015f giri\u015f aidat\u0131 \u015feklinde indirilebilecek tutar hesaplan\u0131r. Bu hesaplamada, 5 y\u0131ll\u0131k s\u00fcre\u00e7te yap\u0131labilecek toplam kesinti \u00fcst limitinden, ayr\u0131lma tarihine kadar yap\u0131lan Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider Kesintisi ve Y\u00f6netim Gider Kesinti baz al\u0131n\u0131r.<\/li>\n<li>Hesaplanan bu tutar, \u00e7\u0131k\u0131\u015fta ertelenmi\u015f giri\u015f aidat\u0131 olarak tahsil edilir. AAB\u00dc *%8,5*5 &#8211; (Ayr\u0131lma tarihine kadar yap\u0131lan Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider Kesintisi ve Y\u00f6netim Gider Kesintisi)<\/li>\n<li>AAB\u00dc&#8217;n\u00fcn a\u00e7\u0131l\u0131m\u0131 Ayl\u0131k Asgari Br\u00fct \u00dccret&#8217;tir. AAB\u00dc tutar\u0131ndaki de\u011fi\u015fiklikler s\u00f6zle\u015fmeye yans\u0131t\u0131l\u0131r. Her y\u0131l i\u00e7in ilgili takvim y\u0131l\u0131n\u0131n ilk alt\u0131 ay\u0131nda 16 ya\u015f\u0131ndan b\u00fcy\u00fckler i\u00e7in uygulanacak ayl\u0131k br\u00fct asgari \u00fccret tutar\u0131 esas al\u0131n\u0131r.<\/li>\n<\/ul>\n<h3>Kesintiler<\/h3>\n<ul>\n<li>Bireysel Emeklilik hesab\u0131na yapt\u0131\u011f\u0131n Katk\u0131 Paylar\u0131 ve Ek Katk\u0131 Pay\u0131 \u00fczerinden, Katk\u0131 Pay\u0131 \u00f6deme tarihi itibar\u0131yla y\u00f6netim gideri kesintisi yap\u0131lmayaca\u011f\u0131n\u0131 belirtmek isteriz.<\/li>\n<li>Plan kapsam\u0131nda sana sunulan emeklilik yat\u0131r\u0131m fonlar\u0131ndan belli oranlarda fon i\u015fletim gideri kesintisi yap\u0131l\u0131r. Fon i\u015fletim giderleri hakk\u0131nda daha fazla bilgi almak i\u00e7in a\u015fa\u011f\u0131daki tablolar\u0131 inceleyebilirsin.<\/li>\n<\/ul>\n<h2>EMEKL\u0130L\u0130K YATIRIM FONLARI DA\u011eILIMI<\/h2>\n<h4>De\u011fi\u015fken Emeklilik Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th data-role=\"resizable\">FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FES &#8211; Temkinli De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00611%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">2,230%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIE &#8211; Atak De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">BEE &#8211; Dengeli De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00615%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">2,240%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEA &#8211; Atlas Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEF &#8211; Tacirler Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00495%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,807%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEO &#8211; \u0130stanbul Portf\u00f6y Dinamik De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00515%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,880%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEV &#8211; Global Md. Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEZ &#8211; Perform Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FIF &#8211; \u0130stanbul Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FIK &#8211; Kare Portf\u00f6y Fon Sepeti EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00274%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,000%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FIR &#8211; Osmanl\u0131 Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00438%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,599%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FFZ &#8211; Inveo Portf\u00f6y Fon Sepeti EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2.280%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Bor\u00e7lanma Ara\u00e7lar\u0131 Emeklilik Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIG &#8211; Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">BEK &#8211; Fiba Portf\u00f6y Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00520%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,898%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Hisse Senedi Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIH &#8211; Oyak Portf\u00f6y Hisse Senedi EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">BEH &#8211; Hisse Senedi EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00620%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">2,263%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Kamu D\u0131\u015f Bor\u00e7lanma Ara\u00e7lar\u0131 Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIK &#8211; D\u0131\u015f Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIF &#8211; Oyak Portf\u00f6y Kamu D\u0131\u015f Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Para Piyasas\u0131 Emeklilik Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FET &#8211; Para Piyasas\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00290%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,059%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,090%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEN &#8211; Standart EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00515%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,880%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Alt\u0131n Fonu<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">GRA &#8211; Alt\u0131n EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00293%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,070%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,090%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Devlet Katk\u0131s\u0131n\u0131n Yat\u0131r\u0131ld\u0131\u011f\u0131 Fonlar<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FII &#8211; Katk\u0131 Kat\u0131l\u0131m EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00099%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">0,361%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">0,365%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEI &#8211; Katk\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00097%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">0,354%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">0,365%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Emeklilik d\u00f6nemin i\u00e7in bug\u00fcnden yapaca\u011f\u0131n k\u00fc\u00e7\u00fck \u00f6demelerle gelecekte sana b\u00fcy\u00fck avantajlar sa\u011flayacak muhte\u015fem bir plan\u0131m\u0131z var! Hayallerini ger\u00e7ekle\u015ftirmen i\u00e7in ek gelir sa\u011flayacak olan birikimini 2040-2 BES Plan\u0131m\u0131z ile yapabilirsin. \u00dcstelik 2040-2&#8217;da Bireysel Emeklilik hesab\u0131na yat\u0131rd\u0131\u011f\u0131n Katk\u0131 Pay\u0131 ve Ek Katk\u0131 Pay\u0131 \u00fczerinden y\u00f6netim gider kesintisi al\u0131nmaz. Haydi! Bu muhte\u015fem plana biraz daha yak\u0131ndan bakal\u0131m. 2040-2 &#8230; <a title=\"2040-2 Bireysel Emeklilik Plan\u0131\" class=\"read-more\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-2-bireysel-emeklilik-plani\/\" aria-label=\"More on 2040-2 Bireysel Emeklilik Plan\u0131\">Devam\u0131n\u0131 oku&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":270,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bireysel-emeklilik-planlari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2040-2 Bireysel Emeklilik Plan\u0131 - \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\/2040-2-bireysel-emeklilik-plani\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2040-2 Bireysel Emeklilik Plan\u0131 - \u00c7SM Sigorta\" \/>\n<meta property=\"og:description\" content=\"Emeklilik d\u00f6nemin i\u00e7in bug\u00fcnden yapaca\u011f\u0131n k\u00fc\u00e7\u00fck \u00f6demelerle gelecekte sana b\u00fcy\u00fck avantajlar sa\u011flayacak muhte\u015fem bir plan\u0131m\u0131z var! 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