{"id":1074,"date":"2020-10-12T21:23:18","date_gmt":"2020-10-12T18:23:18","guid":{"rendered":"http:\/\/tasarrufdelileri.com\/?p=1074"},"modified":"2026-03-07T17:12:09","modified_gmt":"2026-03-07T14:12:09","slug":"yatirim-uzmanlari-neden-hep-benzer-seyler-soyluyor","status":"publish","type":"post","link":"https:\/\/fonanalizi.com\/?p=1074","title":{"rendered":"Yat\u0131r\u0131m uzmanlar\u0131 neden hep benzer \u015feyler s\u00f6yl\u00fcyor?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m karar\u0131n\u0131 vermeden \u00f6nce yap\u0131lacak sa\u011fl\u0131kl\u0131 \u015feylerden biri de, <strong>i\u015fin uzmanlar\u0131na <\/strong>kulak vermektir. Bireysel emeklilik, hisse senedi, borsa yat\u0131r\u0131m fonu, alt\u0131n, d\u00f6viz, t\u00fcrev \u00fcr\u00fcnler, eurobond veya yat\u0131r\u0131m fonu&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hi\u00e7 farketmiyor.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neye niyet ederseniz edin; ara\u015ft\u0131rma s\u00fcrecinizin daha hemen ba\u015f\u0131nda; <strong>yetkin karakterlerin<\/strong> \u00fcr\u00fcn baz\u0131ndaki teknik farkl\u0131l\u0131klar d\u0131\u015f\u0131nda; i\u015fin felsefesi, mant\u0131\u011f\u0131 ve <strong>duygu y\u00f6netimi<\/strong> noktas\u0131nda hep birbirine <strong>yak\u0131n \u015feyler<\/strong> s\u00f6yledi\u011fini hemen fark edersiniz. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Finansal okuryazarl\u0131k<\/strong> yetisini t\u00fcm topluma yayabilmek i\u00e7in g\u00f6n\u00fcll\u00fc \u00e7al\u0131\u015fan, <strong>\u00fcretim yapan<\/strong>, harika insanlard\u0131r bu ki\u015filer. Ortak \u00f6zellikleri bu olmal\u0131, zira benim t\u00fcm rastlad\u0131klar\u0131m \u00f6yleydi. \u00dclkemizde <strong>hak ettikleri<\/strong> de\u011feri de g\u00f6rmediklerini d\u00fc\u015f\u00fcnenlerdenim. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni mezun ekonomistten doktor, do\u00e7ent ve profes\u00f6r unvan\u0131 alabilmi\u015f <strong>t\u00fcm akademisyenlere<\/strong>, arac\u0131 kurumlarda \u00e7al\u0131\u015fan <strong>profesyonellere<\/strong>, bu kurumlar\u0131n ara\u015ft\u0131rma b\u00f6l\u00fcmlerindeki <strong>analistlere<\/strong>, i\u015f hayatlar\u0131 \u00fclkemizde veya yurt d\u0131\u015f\u0131nda sermaye piyasalar\u0131nda \u00e7al\u0131\u015fmakla ge\u00e7mi\u015f; \u00fclkeleri ve insanlar\u0131 g\u00f6zleme \u015fans\u0131 bulmu\u015f t\u00fcm <strong>finans\u00e7\u0131lara<\/strong>, bankac\u0131lara, <strong>portf\u00f6y y\u00f6neticilerine<\/strong>, finansal sistemde b\u00fcy\u00fck krizleri g\u00f6rm\u00fc\u015f, ya\u015fam\u0131\u015f, de\u011ferli deneyimlere sahip insanlara, her seviyedeki <strong>y\u00f6neticilere<\/strong> uzanan bir geni\u015f bir yelpaze bu&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Asl\u0131nda hepsi benzer s\u00f6yl\u00fcyor. <strong>Hepsinin temelinde benzer arg\u00fcmanlar<\/strong> var. En az\u0131ndan ben b\u00f6yle d\u00fc\u015f\u00fcn\u00fcyorum. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Okuyun \/ Ara\u015ft\u0131r\u0131n \/ \u0130zleyin \/ Dinleyin.<\/li>\n\n\n\n<li>Kendi <strong>akl\u0131n\u0131za<\/strong> yat\u0131r\u0131m yap\u0131n, <strong>kendi akl\u0131n\u0131zla<\/strong> yat\u0131r\u0131m yap\u0131n.<\/li>\n\n\n\n<li>Beklentilerinizi ve risk alg\u0131n\u0131z\u0131 iyi tart\u0131n. <\/li>\n\n\n\n<li><strong>A\u00e7 g\u00f6zl\u00fc <\/strong>olmay\u0131n.<\/li>\n\n\n\n<li>Ak\u0131lc\u0131 <strong>bir plan<\/strong> uygulay\u0131n, <strong>riski<\/strong> yay\u0131n. <\/li>\n\n\n\n<li>Geli\u015fimi izleyin ve bilin\u00e7le y\u00f6nlendirin.<\/li>\n\n\n\n<li><strong>Sabredin.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Benim s\u0131ralamam \u00f6rne\u011fin bu. Biraz bireysel yat\u0131r\u0131m anlay\u0131\u015f\u0131m da denebilir. Konu ba\u015fl\u0131klar\u0131yla ilgili, <strong>ula\u015f\u0131labilir o kadar \u00e7ok se\u00e7enek<\/strong> var ki, bu yaz\u0131da sadece <strong>okuma<\/strong> k\u0131sm\u0131na odaklanaca\u011f\u0131m. Bu sebeple \u015fu an okudu\u011funuzu, <strong>zincir bir yaz\u0131 dizisinin ilk halkas\u0131<\/strong> kabul etmenizi dilerim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/10\/image-11.png?w=468\" alt=\"\" class=\"wp-image-1092\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Okuyun<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal planlaman\u0131n en \u00f6nemli k\u0131sm\u0131 <strong>okumaktan<\/strong> ge\u00e7iyor. Yat\u0131r\u0131m yapmak istedi\u011finiz finansal \u00fcr\u00fcnle ilgili tan\u0131mlamalar\u0131, i\u00e7inde bulundu\u011fu <strong>risk evrenini<\/strong> bilmeniz ve kendi duygu yelpazenize uygun olup olmad\u0131\u011f\u0131n\u0131 anlaman\u0131z gerekiyor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u00e7imizde, hisse senedi almadan \u00f6nce <strong>Borsa \u0130stanbul<\/strong>&#8216;un resmi sitesini, o sitedeki e\u011fitim d\u00f6k\u00fcmanlar\u0131n\u0131 okuyarak i\u015fe ba\u015flayan ka\u00e7 yat\u0131r\u0131mc\u0131 var? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siz istisna olun. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Y\u0131ld\u0131z Pazardan<\/strong> i\u015flem hacmi b\u00fcy\u00fck hisse senedi alman\u0131n uzun vadedeki <strong>&#8216;g\u00fcvenli&#8217;<\/strong> taraf\u0131n\u0131, yan tahtalarda s\u00fcrekli tavan-taban gidip gelen hisselerin <strong>k\u00fc\u00e7\u00fck yat\u0131r\u0131mc\u0131<\/strong> i\u00e7in nas\u0131l b\u00fcy\u00fck risk ta\u015f\u0131d\u0131\u011f\u0131n\u0131 bu sayede anlayabilirsiniz. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>SPK<\/strong>&#8216;n\u0131n sitesini a\u00e7\u0131p hi\u00e7 okudunuz mu? Yat\u0131r\u0131mc\u0131y\u0131 bilgilendirmek i\u00e7in haz\u0131rlanm\u0131\u015f <strong>\u00fcr\u00fcn bazl\u0131<\/strong> harika d\u00f6k\u00fcmanlar\u0131 var. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Borsa \u0130stanbul<\/strong> neden son d\u00f6nemlerde s\u00fcrekli <strong>&#8216;uzun vadeli&#8217; <\/strong>yat\u0131r\u0131mc\u0131l\u0131\u011f\u0131 \u00f6neriyor, <strong>SPK<\/strong> neden insanlar\u0131 kand\u0131rarak kendi cebini dolduranlar\u0131 cezaland\u0131r\u0131yor, yat\u0131r\u0131m fonlar\u0131n\u0131 haz\u0131rlayan portf\u00f6y \u015firketleri yat\u0131r\u0131mc\u0131 bilgi formlar\u0131nda fonlar i\u00e7in neden <strong>\u00f6nerilen vade <\/strong>gibi bir kavram\u0131n alt\u0131n\u0131 \u00e7iziyor, bu sayede anlayabilirsiniz. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yat\u0131r\u0131m fonuna<\/strong> olan ilgi patlamas\u0131nda -ki bu ilgiyi \u00e7oktan hak etmi\u015fti- <strong>TEFAS<\/strong>&#8216;\u0131n nas\u0131l bir pay\u0131 var? Sermaye piyasalar\u0131na giren <strong>k\u00fc\u00e7\u00fck yat\u0131r\u0131mc\u0131lar\u0131n korunmas\u0131<\/strong> ve birikimlerin sermaye piyasalar\u0131na girerek ekonomimize katk\u0131 yapmas\u0131 neden \u00e7ok \u00f6nemli? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu sorular\u0131n yan\u0131tlar\u0131n\u0131 ben <strong>nerede ar\u0131yorum<\/strong>; izninizle bundan bahsetmek istiyor, kendimce baz\u0131 \u00f6rnekler vermeyi d\u00fc\u015f\u00fcn\u00fcyorum. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De\u011ferlendirmek size ait, <strong>aslolan sizin yorumlar\u0131n\u0131z.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/10\/image-13.png?w=623\" alt=\"\" class=\"wp-image-1121\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yat\u0131r\u0131m yapmadan \u00f6nce<\/strong> mutlaka okudu\u011fum<strong> <\/strong>resmi otoriteler var. Herhangi bir yat\u0131r\u0131m \u00fcr\u00fcn\u00fcne ilgi duydu\u011fumda, \u00f6nce o \u00fcr\u00fcnle ilgili <strong>resmi otorite<\/strong> kim, <strong>kurallar\u0131 kim koymu\u015f<\/strong>, mutlaka \u00f6\u011frenmek isterim. \u0130nternet \u00fczerinden ula\u015fabilece\u011fimiz <strong>kaynaklardan<\/strong> baz\u0131lar\u0131n\u0131 hemen a\u015fa\u011f\u0131da s\u0131ralad\u0131m. Yeterli bir <strong>temel bilgi<\/strong> seviyesine ula\u015fana kadar okumakta, <strong>g\u00fcncel kalmak<\/strong> i\u00e7in arada bir tekrarlamakta fayda var.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.spk.gov.tr<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.spk.gov.tr\/Sayfa\/Dosya\/75<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.spk.gov.tr\/Sayfa\/Dosya\/78<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.spk.gov.tr\/Sayfa\/Dosya\/1233<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.spk.gov.tr\/Sayfa\/Index\/3\/0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/borsaistanbul.com\/tr\/sayfa\/506\/pazarlar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/borsaistanbul.com\/tr\/sayfa\/148\/sikca-sorulan-sorular<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.mkk.com.tr\/tr-tr\/Sayfalar\/Home.aspx<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.tefas.gov.tr<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.tefas.gov.tr\/TerimlerSozlugu.aspx<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.kap.org.tr\/tr\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.ytm.gov.tr\/Home\/Sayfa\/45<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.ytm.gov.tr<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu okumalar\u0131n yan\u0131na, yaz\u0131m\u0131n giri\u015finde tan\u0131mlad\u0131\u011f\u0131m <strong>yetkin insanlar<\/strong> ve onlar\u0131n yapt\u0131\u011f\u0131 \u00fcretimler, finansal okuryazarl\u0131\u011f\u0131 toplumuza yayma ama\u00e7l\u0131 <strong>\u00f6zel olu\u015fumlar<\/strong>,dernekler ve organizasyonlar\u0131 eklerim. <strong>\u0130yi Gelir Platformundan<\/strong> daha \u00f6nceki yaz\u0131lar\u0131mda bahsetmi\u015ftim. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/tasarrufdelileri.com\/2020\/09\/26\/tasarruf-planini-guclu-kilan-nedir\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/tasarrufdelileri.com\/2020\/09\/05\/iyi-bir-yatirim-portfoyu-nasil-olmali\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bu kez size, en az onun kadar de\u011ferli ve <strong>\u00e7ok k\u00f6kl\u00fc bir ba\u015fka olu\u015fumdan<\/strong> bahsetmek isterim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u0131sa ad\u0131yla <strong>FODER<\/strong>&#8216;i, Finansal Okuryazarl\u0131k ve Eri\u015fim Derne\u011fi&#8217;ni duydunuz mu hi\u00e7 \u00f6rne\u011fin?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-foder wp-block-embed-foder\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"wjFkRAU6uJ\"><a href=\"https:\/\/www.fo-der.org\/foder-hakkinda\/\">FODER Hakk\u0131nda<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;FODER Hakk\u0131nda&#8221; &#8212; FODER\" src=\"https:\/\/www.fo-der.org\/foder-hakkinda\/embed\/#?secret=wjFkRAU6uJ\" data-secret=\"wjFkRAU6uJ\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Finansal bilin\u00e7<\/strong> olu\u015fturulmas\u0131na destek olma misyonu ile, giri\u015fte tan\u0131m\u0131n\u0131 yapt\u0131\u011f\u0131m yetkinlikte, \u00e7ok donan\u0131ml\u0131 insanlardan olu\u015fan bir platform. Hedefini, devlet, \u00f6zel sekt\u00f6r ve di\u011fer sivil toplum kurulu\u015flar\u0131 ile i\u015fbirli\u011fi yaparak, <strong>bireylerde finansal okuryazarl\u0131k <\/strong>fark\u0131ndal\u0131\u011f\u0131 olu\u015fturmak ve bunu geli\u015ftirmek i\u00e7in; <strong>bilin\u00e7lendirici destek \u00e7al\u0131\u015fmalar\u0131<\/strong> yapmak olarak \u00f6zetlemi\u015f. Resmi sitesinden ula\u015fabilirsiniz. <\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-foder wp-block-embed-foder\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"zlEtwqVhr6\"><a href=\"https:\/\/www.fo-der.org\/foder-hisse-senedi-yatirimci-tavsiye\/\">FODER&#8217;den Hisse Senedi Yat\u0131r\u0131mc\u0131lar\u0131na Tavsiyeler<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;FODER&#8217;den Hisse Senedi Yat\u0131r\u0131mc\u0131lar\u0131na Tavsiyeler&#8221; &#8212; FODER\" src=\"https:\/\/www.fo-der.org\/foder-hisse-senedi-yatirimci-tavsiye\/embed\/#?secret=zlEtwqVhr6\" data-secret=\"zlEtwqVhr6\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Hatta sitedeki <strong>kitap tavsiyelerini <\/strong>\u00f6zellikle \u00f6neriyorum. \u00dccretsiz dijital yay\u0131nlar\u0131 okurken \u00e7ok kaliteli zaman ge\u00e7irebilir; <strong>yat\u0131r\u0131m ufkunuzu geli\u015ftirebilir<\/strong>, tasarruf yolculu\u011funuzu macera ve riskten uzak; g\u00fcvenli bir hale d\u00f6n\u00fc\u015ft\u00fcrmek i\u00e7in yard\u0131m alabilirsiniz. <strong>\u0130nternet sitelerinde kaybolacak kadar<\/strong> uzun zaman ge\u00e7irmenizi dilerim. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0130lk yaz\u0131y\u0131 bitirirken<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Toplum olarak en zay\u0131f y\u00f6n\u00fcm\u00fcz <strong>bilgiye sayg\u0131 duymamak<\/strong>&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bilene <strong>sayg\u0131 <\/strong>duymuyor, <strong>&#8216;bilme&#8217;<\/strong> halinin <strong>emekle elde edilen bir kazan\u0131m<\/strong> oldu\u011funu fark edemiyoruz. Hatta daha k\u00f6t\u00fcs\u00fc, bu eme\u011fi de k\u00fc\u00e7\u00fcms\u00fcyoruz. Bilmek emek istiyor, biz \u00e7o\u011funlukla <strong>inanmay\u0131<\/strong> se\u00e7iyoruz. Yat\u0131r\u0131m evreninde emek harcamadan birilerine <strong>&#8216;inanmak&#8217;<\/strong> \u00e7ok pahal\u0131ya patlar. Bilgi sahibi olmadan <strong>&#8216;birilerine&#8217;<\/strong> inanmak zorunda hissediyor ve bedelini de y\u0131k\u0131c\u0131 bi\u00e7imde \u00f6d\u00fcyoruz. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Finansal okuryazarl\u0131k<\/strong> \u00e7al\u0131\u015fmalar\u0131n\u0131n, bu nedenle \u00e7ok de\u011ferli bir \u00e7aba oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum. Zira toplumun <strong>her katman\u0131ndaki <\/strong>insan\u0131 hedefliyor ve toplumun <strong>b\u00fct\u00fcn\u00fcn\u00fc<\/strong> geli\u015ftirmek i\u00e7in yap\u0131l\u0131yor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finansal okuryazarl\u0131kta <strong>ilerleme<\/strong> kaydetmek, k\u0131sa-orta vadede bireysel tasarruf al\u0131\u015fkanl\u0131\u011f\u0131n\u0131n bir <strong>ya\u015fam felsefesi <\/strong>haline gelmesini sa\u011flayabilir. Bu toplumsal geli\u015fim ve sermaye piyasalar\u0131nda <strong>bilin\u00e7le de\u011ferlendirilen ve b\u00fcy\u00fcyen tasarruflar<\/strong>, \u00fclke kalk\u0131nmas\u0131nda g\u00fc\u00e7l\u00fc etkiler yaratabilir, \u00fclkemizdeki geli\u015fimin <strong>kendi dinamiklerinden g\u00fc\u00e7 almas\u0131<\/strong> gibi harika bir sonucu do\u011furabilir, sosyal b\u00fct\u00fcnl\u00fc\u011f\u00fcm\u00fcze \u00e7ok \u00f6nemli katk\u0131lar yapabilir.     <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bireysel olarak da biz, yat\u0131r\u0131mlar\u0131m\u0131zda, \u00f6nce<strong> &#8216;bilmeyi&#8217;<\/strong> se\u00e7meliyiz. \u0130nanc\u0131m bu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu se\u00e7im bizi, <strong>rasyonel<\/strong> sonu\u00e7lara g\u00f6t\u00fcrecek, hem bireysel olarak hem de aile olarak geli\u015fmemizi sa\u011flayacak bir hikayenin <strong>\u00f6nemli bir oyuncusu<\/strong> yapabilir. Herhangi bir yat\u0131r\u0131m \u00fcr\u00fcn\u00fcn\u00fc bir ka\u00e7 ay sonra alman\u0131n k\u0131sa vadede kay\u0131p yaratacak dezavantajlar\u0131 olabilir belki bilemiyorum, ancak kaybedilmi\u015f olarak g\u00f6r\u00fcnen bir ka\u00e7 ayl\u0131k s\u00fcrede bir nebze olsa kazan\u0131lma \u00e7abas\u0131 g\u00f6sterilen finansal okuryazarl\u0131k bilinci; <strong>&#8216;yapamam&#8217;<\/strong> diye d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcm\u00fcz bir \u00e7ok <strong>&#8216;imkans\u0131z\u0131n&#8217;<\/strong> kap\u0131s\u0131n\u0131; biz fark\u0131nda bile olmadan kolayca a\u00e7abilir. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dizinin<strong> ikinci<\/strong> yaz\u0131s\u0131nda, ara\u015ft\u0131r\u0131n-dinleyin-izleyin noktas\u0131ndaki d\u00fc\u015f\u00fcncelerimi payla\u015faca\u011f\u0131m. O zamana kadar, yat\u0131r\u0131mlar\u0131n\u0131zda<strong> &#8216;kendi akl\u0131n\u0131z\u0131&#8217;<\/strong> en \u00f6ne almay\u0131 ve <strong>&#8216;bilmek i\u00e7in emek harcamay\u0131&#8217;<\/strong> unutmay\u0131n. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sa\u011fl\u0131kla kal\u0131n&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yat\u0131r\u0131m karar\u0131n\u0131 vermeden \u00f6nce yap\u0131lacak sa\u011fl\u0131kl\u0131 \u015feylerden biri de, i\u015fin uzmanlar\u0131na kulak vermektir. Bireysel emeklilik, hisse senedi, borsa yat\u0131r\u0131m fonu, alt\u0131n, d\u00f6viz, t\u00fcrev \u00fcr\u00fcnler, eurobond veya yat\u0131r\u0131m fonu&#8230; Hi\u00e7 farketmiyor.&hellip;<\/p>\n","protected":false},"author":1,"featured_media":4165,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1074"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1074\/revisions"}],"predecessor-version":[{"id":4166,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1074\/revisions\/4166"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/4165"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}