{"id":486,"date":"2020-04-05T12:29:08","date_gmt":"2020-04-05T12:29:08","guid":{"rendered":"http:\/\/onursigorta.com.tr\/?page_id=486"},"modified":"2020-05-26T20:22:37","modified_gmt":"2020-05-26T20:22:37","slug":"bireysel-emeklilik-sigortasi","status":"publish","type":"page","link":"http:\/\/onursigorta.com.tr\/index.php\/bireysel-emeklilik-sigortasi\/","title":{"rendered":"Bireysel Emeklilik Sigortas\u0131"},"content":{"rendered":"\t\t
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Birseysel Emeklilik Sistemi Nedir?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Bireysel Emeklilik Sistemi, \u00e7al\u0131\u015fma hayat\u0131n\u0131z s\u00fcresince yapt\u0131\u011f\u0131n\u0131z d\u00fczenli tasarruflar\u0131n yat\u0131r\u0131ma y\u00f6nlendirilmesini sa\u011flayarak, olu\u015facak birikimle, \u00e7al\u0131\u015fma d\u00f6neminizde sahip oldu\u011funuz ya\u015fam standartlar\u0131n\u0131 emeklilik d\u00f6neminizde de devam ettirmeyi ama\u00e7layan g\u00f6n\u00fcll\u00fcl\u00fc\u011fe dayal\u0131 bir sistemdir.<\/p>

BES, mevcut kamu sosyal g\u00fcvenlik sisteminin tamamlay\u0131c\u0131s\u0131 olan ve devlet taraf\u0131ndan vergi avantajlar\u0131yla desteklenen bir sistemdir.<\/p>

Sisteminde emekli olmak i\u00e7in, ilk giri\u015f tarihinizden itibaren 10 y\u0131l s\u00fcreyle sistemde kalarak katk\u0131 pay\u0131 \u00f6demeniz ve 56 ya\u015f\u0131n\u0131z\u0131 tamamlaman\u0131z gerekir.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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<\/div>\n\t\t<\/section>\n\t\t\t\t
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Bireysel Emeklilik Sistemi ile ilgili bilmeniz gereken hususlar<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t
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Emeklilik s\u00f6zle\u015fmesi s\u00fcresi i\u00e7inde katk\u0131 pay\u0131 tutar\u0131n\u0131z\u0131, emeklilik plan\u0131nda tan\u0131ml\u0131 asgari katk\u0131 pay\u0131ndan daha az olmamak \u00fczere de\u011fi\u015ftirebilirsiniz.<\/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

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Birikimlerinizi ba\u015fka bir emeklilik \u015firketine aktarabilirsiniz. Bunun i\u00e7in emeklilik s\u00f6zle\u015fmenizin y\u00fcr\u00fcrl\u00fck tarihinden itibaren en az 1 y\u0131l ge\u00e7melidir.<\/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

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Ayn\u0131 veya farkl\u0131 \u015firketlerde a\u00e7\u0131lm\u0131\u015f olan bireysel emeklilik hesaplar\u0131n\u0131z\u0131 birle\u015ftirebilirsiniz.\u200b<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t

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Emeklilik s\u00f6zle\u015fmesi s\u00fcresi i\u00e7inde katk\u0131 pay\u0131 \u00f6demeye ara verebilirsiniz. Ancak katk\u0131 pay\u0131 \u00f6denmeyen s\u00fcre emeklili\u011fe hak kazan\u0131lmas\u0131 i\u00e7in gereken s\u00fcrenin hesab\u0131nda dikkate al\u0131nmaz.\u200b<\/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

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Y\u0131lda en fazla 6 defa fon da\u011f\u0131l\u0131m oran\u0131n\u0131z\u0131 ve 4 defa emeklilik plan\u0131n\u0131z\u0131 de\u011fi\u015ftirebilirsiniz. Sistemden emekli olabilmeniz i\u00e7in 10 y\u0131l d\u00fczenli \u00f6deme yapman\u0131z ve 56 ya\u015f\u0131n\u0131z\u0131 doldurman\u0131z yeterlidir.<\/span><\/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

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Emeklili\u011fe hak kazanmadan \u00f6nce diledi\u011finiz anda sistemden ayr\u0131labilirsiniz. Sistemden erken ayr\u0131lma durumunda birikimlerinize stopaj ve varsa giri\u015f aidat\u0131 kesintileri uygulan\u0131r.
Emeklili\u011fe hak kazand\u0131ktan sonra tercihinize g\u00f6re birikimlerinizi ister toplu para, ister ayl\u0131k maa\u015f ya da bir k\u0131sm\u0131n\u0131 toplu para, bir k\u0131sm\u0131n\u0131 maa\u015f olarak alabilirsiniz.<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t

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<\/div>\n\t\t\t\t\t\t\t
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Vergi Avantaj\u0131<\/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
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Bireysel emeklilik sistemine katk\u0131 pay\u0131 \u00f6derken, birikimleriniz de\u011ferlendirilirken ve sistemden ayr\u0131l\u0131rken ayr\u0131 ayr\u0131 vergi avantajlar\u0131ndan yararlan\u0131rs\u0131n\u0131z.<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t

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Katk\u0131 Pay\u0131 \u00d6demeleri S\u0131ras\u0131nda;<\/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
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\u00dccretli \u00e7al\u0131\u015fansan\u0131z, \u00f6dedi\u011finiz katk\u0131 paylar\u0131n\u0131, \u00f6dedi\u011finiz ayda elde etti\u011finiz \u00fccretin %10’unu ve y\u0131ll\u0131k olarak br\u00fct asgari \u00fccretin y\u0131ll\u0131k tutar\u0131n\u0131 a\u015fmamak kayd\u0131yla gelir vergisi matrah\u0131ndan indirebilirsiniz.

Y\u0131ll\u0131k beyanname veriyorsan\u0131z, \u00f6dedi\u011finiz katk\u0131 paylar\u0131 toplam\u0131n\u0131, gelirinizin %10’unu ve br\u00fct asgari \u00fccretin y\u0131ll\u0131k tutar\u0131n\u0131 a\u015fmamak \u015fart\u0131yla, gelirinizi elde etti\u011finiz y\u0131lda \u00f6demeniz \u015fart\u0131yla, vergi matrah\u0131ndan indirebilirsiniz.<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t

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Birikimlerinizin De\u011ferlendirilmesi S\u0131ras\u0131nda;<\/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
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Emeklilik yat\u0131r\u0131m fonlar\u0131, kurumlar vergisinden ve gelir vergisi kesintisinden (stopaj\u0131ndan) muaft\u0131r.<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t

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Sistemden Ayr\u0131lma S\u0131ras\u0131nda;<\/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
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Sistemde 10 y\u0131l d\u00fczenli \u00f6deme yap\u0131p, 56 ya\u015f\u0131n\u0131z\u0131 tamamlad\u0131\u011f\u0131n\u0131zda emeklili\u011fe hak kazan\u0131rs\u0131n\u0131z. Emekli oldu\u011funuzda, birikimlerinizin %25’i vergiden muaf tutulup kalan\u0131na %5 oran\u0131nda (%3,75) stopaj uygulan\u0131r. Vergi avantaj\u0131ndan yararlanmak i\u00e7in taraf\u0131n\u0131za g\u00f6nderilen \u00f6deme belgelerini, beyana tabi gelir vergisi m\u00fckellefi iseniz muhasebecinize, \u00fccretli \u00e7al\u0131\u015fan iseniz \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131z \u015firketin ilgili departman\u0131na iletmeniz yeterlidir.\u200b<\/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<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Birseysel Emeklilik Sistemi Nedir? Bireysel Emeklilik Sistemi, \u00e7al\u0131\u015fma hayat\u0131n\u0131z s\u00fcresince yapt\u0131\u011f\u0131n\u0131z d\u00fczenli tasarruflar\u0131n yat\u0131r\u0131ma y\u00f6nlendirilmesini sa\u011flayarak, olu\u015facak birikimle, \u00e7al\u0131\u015fma d\u00f6neminizde […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template_page-builder.php","meta":{"footnotes":""},"_links":{"self":[{"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/pages\/486"}],"collection":[{"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=486"}],"version-history":[{"count":7,"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/pages\/486\/revisions"}],"predecessor-version":[{"id":635,"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/pages\/486\/revisions\/635"}],"wp:attachment":[{"href":"http:\/\/onursigorta.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=486"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}