{"id":283,"date":"2023-04-30T11:58:06","date_gmt":"2023-04-30T11:58:06","guid":{"rendered":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/?p=283"},"modified":"2023-04-30T11:58:06","modified_gmt":"2023-04-30T11:58:06","slug":"2040-3-bireysel-emeklilik-plani","status":"publish","type":"post","link":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-3-bireysel-emeklilik-plani\/","title":{"rendered":"2040-3 Bireysel Emeklilik Plan\u0131"},"content":{"rendered":"<p>2040-3 BES Plan\u0131m\u0131z ile daha \u00e7ok birikim yaparken emeklilik d\u00f6neminde arzu etti\u011finden \u00e7ok daha rahat bir hayat\u0131, hayallerine kavu\u015fma mutlulu\u011fu ile birlikte ya\u015fars\u0131n.<\/p>\n<p>Ayn\u0131 zamanda hem giri\u015f aidat\u0131 \u00f6demeyece\u011fin hem de 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\u0131nmayan 2040-3 BES Plan\u0131m\u0131z ile g\u00fcvenli gelece\u011fini tasarlamak i\u00e7in \u015fimdi tan\u0131\u015fabilirsin.<\/p>\n<h3>2040-3 Bireysel Emeklilik Plan\u0131 Avantajlar\u0131<\/h3>\n<p>2040-3 Bireysel Emeklilik Plan\u0131&#8217;nda yat\u0131rd\u0131\u011f\u0131n Katk\u0131 Pay\u0131n\u0131n %30&#8217;u oran\u0131nda ek gelir, devlet taraf\u0131ndan birikim hesab\u0131na eklenir. \u00d6deme plan\u0131 periyodunu ise 1 ayl\u0131k, 3 ayl\u0131k, 6 ayl\u0131k ya da y\u0131ll\u0131k se\u00e7eneklerden birini tercih ederek belirleyebilirsin. Ayr\u0131ca y\u0131lda 4 kez plan de\u011fi\u015fikli\u011fi, 12 kez de fon de\u011fi\u015fikli\u011fi imkan\u0131n bulunur.<\/p>\n<h3>2040-3 Emeklilik Plan\u0131 Hakk\u0131nda Bilmen Gerekenler<\/h3>\n<ul>\n<li>Bu plan\u0131n ayl\u0131k asgari Katk\u0131 Pay\u0131 tutar\u0131 1.000 TL&#8217;dir. 2040-3 Bireysel Emeklilik Plan\u0131&#8217;nda iki se\u00e7ene\u011fin daha bulunuyor. Dilersen asgari 10.000 TL ya da 100.000 TL Ba\u015flang\u0131\u00e7 Katk\u0131 Pay\u0131 yat\u0131rarak ayl\u0131k asgari tutar\u0131n\u0131 150 TL olarak \u00f6deyebilirsin. Asgari 100.000 TL Ba\u015flang\u0131\u00e7 Katk\u0131 Pay\u0131 tutar\u0131 yat\u0131rd\u0131\u011f\u0131n i\u00e7in HDI Fiba Emeklilik ve Hayat A.\u015e. Gruplara Y\u00f6nelik Esnek Emeklilik Yat\u0131r\u0131m Fonu&#8217;nu da tercih edebilirsin.<\/li>\n<li>Bu Emeklilik Plan\u0131 ile daha \u00e7ok birikim ve tasarruf yaparak gelece\u011fin i\u00e7in \u00e7ok daha b\u00fcy\u00fck hayaller kurabilirsin.<\/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 bu plan ile kat\u0131lacaksan giri\u015f aidat\u0131 \u00f6demeyeceksin.<\/li>\n<li>Erken \u00e7\u0131k\u0131\u015f ya da aktar\u0131m s\u00f6z konusu oldu\u011funda ise ilgili giderlerin kar\u015f\u0131lanmas\u0131 amac\u0131yla ertelenmi\u015f giri\u015f aidat\u0131 \u00f6deyece\u011fini bilmelisin.<\/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>\u00dcstelik bu planda ara verme y\u00f6netim gider kesintisi ya\u015famayaca\u011f\u0131n\u0131 bilmelisin.<\/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<\/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, Ayl\u0131k Asgari Br\u00fct \u00dccret demektir. 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 bilmeni 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>Emeklilik Yat\u0131r\u0131m Fonlar\u0131 Da\u011f\u0131l\u0131m\u0131<\/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>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\">FER &#8211; De\u011fi\u015fken Grup 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\">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 -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>2040-3 BES Plan\u0131m\u0131z ile daha \u00e7ok birikim yaparken emeklilik d\u00f6neminde arzu etti\u011finden \u00e7ok daha rahat bir hayat\u0131, hayallerine kavu\u015fma mutlulu\u011fu ile birlikte ya\u015fars\u0131n. Ayn\u0131 zamanda hem giri\u015f aidat\u0131 \u00f6demeyece\u011fin hem de 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\u0131nmayan 2040-3 BES Plan\u0131m\u0131z ile g\u00fcvenli gelece\u011fini tasarlamak i\u00e7in \u015fimdi &#8230; <a title=\"2040-3 Bireysel Emeklilik Plan\u0131\" class=\"read-more\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-3-bireysel-emeklilik-plani\/\" aria-label=\"More on 2040-3 Bireysel Emeklilik Plan\u0131\">Devam\u0131n\u0131 oku&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-283","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>2040-3 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\/2040-3-bireysel-emeklilik-plani\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2040-3 Bireysel Emeklilik Plan\u0131 - \u00c7SM Sigorta\" \/>\n<meta property=\"og:description\" content=\"2040-3 BES Plan\u0131m\u0131z ile daha \u00e7ok birikim yaparken emeklilik d\u00f6neminde arzu etti\u011finden \u00e7ok daha rahat bir hayat\u0131, hayallerine kavu\u015fma mutlulu\u011fu ile birlikte ya\u015fars\u0131n. 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