{"id":1206,"date":"2020-10-24T12:48:50","date_gmt":"2020-10-24T09:48:50","guid":{"rendered":"http:\/\/tasarrufdelileri.com\/?p=1206"},"modified":"2026-03-07T18:50:00","modified_gmt":"2026-03-07T15:50:00","slug":"tefas-bize-aslinda-ne-sagliyor","status":"publish","type":"post","link":"https:\/\/fonanalizi.com\/?p=1206","title":{"rendered":"TEFAS bize asl\u0131nda ne sa\u011fl\u0131yor?"},"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=\"has-drop-cap wp-block-paragraph\">Bilin\u00e7li bir tasarruf s\u00fcrecine gireli san\u0131r\u0131m iki bu\u00e7uk y\u0131l kadar oldu. \u00d6nceli\u011fi t\u00fcketimi azaltmak ve k\u0131sa vadede bitirebilir bor\u00e7lar\u0131 bitirmeye verdim. Ard\u0131ndan olduk\u00e7a muhafazakar da olsa, tasarrufa kafa yormaya, okumaya ve incelemeye ba\u015flad\u0131m. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elbette hikayemiz \u00e7ok tan\u0131d\u0131k, \u00e7ocuklar i\u00e7in gelmi\u015f veya bir bi\u00e7imde \u00e7ocuklar i\u00e7in al\u0131nm\u0131\u015f bir miktar <strong>fiziki alt\u0131n<\/strong> ve bir de meslek gere\u011fi piyasas\u0131n\u0131 yak\u0131n takip edebildi\u011fim <strong>mevduat.<\/strong> Yat\u0131r\u0131m fonu o d\u00f6nemde, \u015fimdiki kadar bilinen ve \u00f6ne \u00e7\u0131kar\u0131lan bir yat\u0131r\u0131m \u00fcr\u00fcn\u00fc de\u011fil. En az\u0131ndan benim tasarruf d\u00fcnyamda \u00f6yleydi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015flang\u0131\u00e7 noktas\u0131nda tasarruflar\u0131n grafi\u011fi a\u015fa\u011f\u0131daki gibiydi. Tamam\u0131na yak\u0131n mevduat, \u00e7ok az alt\u0131n, ba\u015flang\u0131\u00e7 seviyesinde BES. Alt\u0131n d\u0131\u015f\u0131nda enflasyona yenik d\u00fc\u015fmeye \u00e7ok a\u00e7\u0131k, <strong>korumac\u0131 bir portf\u00f6y.<\/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-23.png?w=368\" alt=\"\" class=\"wp-image-1229\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pandemi<\/strong> s\u00fcrecinde evde ge\u00e7irilen ekstra zaman; bu konulara daha fazla zaman ay\u0131rmam\u0131 sa\u011flad\u0131 herkes gibi. TEFAS sayfas\u0131n\u0131 da o zaman ke\u015ffettim. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TEFAS<\/strong> bir fon izleme&amp;inceleme platformu. A\u00e7\u0131k ad\u0131 <strong>T\u00fcrkiye Elektronik Fon Al\u0131m Sat\u0131m Platformu. <\/strong>Asl\u0131nda ortak bir veri taban\u0131. \u00dclkemizdeki yat\u0131r\u0131m fonlar\u0131n\u0131n t\u00fcm bilgilerine ula\u015fabilece\u011finiz, fon ihra\u00e7\u00e7\u0131lar\u0131n\u0131n da fonla ilgili t\u00fcm bilgi&amp;de\u011fi\u015fme ve stratejiyi payla\u015fabildi\u011fi bir altyap\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TEFAS&#8217;\u0131n sa\u011flad\u0131\u011f\u0131 bu ortak alt yap\u0131 sayesinde bizler, platforma dahil t\u00fcm fonlar\u0131 bir banka ya da arac\u0131 kurum hesab\u0131ndan kolayl\u0131kla alabiliyor, sitenin kendisinden de, bilgi payla\u015f\u0131mlar\u0131n\u0131 takip edebiliyoruz. Tasarruflar\u0131m\u0131z\u0131n analizi i\u00e7in zaman harcanmas\u0131 gereken yer de net bi\u00e7imde buras\u0131 zaten. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Blogdaki ilk yaz\u0131lar\u0131mdan birinde, yat\u0131r\u0131m fonu hacimlerindeki g\u00f6zle g\u00f6r\u00fcl\u00fcr art\u0131\u015f\u0131 <strong>&#8216;ilgi patlamas\u0131&#8217;<\/strong> olarak ifade etmi\u015ftim ve ger\u00e7ekten hakl\u0131l\u0131k pay\u0131 var. \u00c7\u00fcnk\u00fc yaz\u0131y\u0131 yazd\u0131\u011f\u0131m 29 A\u011fustos 2020&#8217;de 106 milyar TL olan i\u015flem hacmi, <strong>o g\u00fcnden bug\u00fcne %27 daha artm\u0131\u015f<\/strong> ve 135 Milyar TL&#8217;ye gelmi\u015f. \u0130lgi net bi\u00e7imde devam ediyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.tefas.gov.tr\/IstatistikiRaporlar\/ToplamIslemHacmi.aspx<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/tasarrufdelileri.com\/2020\/08\/29\/nedir-su-yatirim-fonu-dedikleri\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Peki ama neden?<\/strong><\/h4>\n\n\n\n<p class=\"has-drop-cap wp-block-paragraph\">Fona biraz daha odaklan\u0131nca, tercihlerimizin neden de\u011fi\u015fime u\u011frad\u0131\u011f\u0131n\u0131 daha iyi anlad\u0131m. Geleneksel yat\u0131r\u0131m ara\u00e7lar\u0131ndan mevduatta, <strong>pozitif reel faiz elde edemedi\u011fimiz<\/strong> ve d\u00f6viz riskine s\u00fcrekli maruz kald\u0131\u011f\u0131m\u0131z i\u00e7in birikimlerimizi b\u00fcy\u00fctme h\u0131z\u0131m\u0131z arzu etti\u011fimizden daha d\u00fc\u015f\u00fckt\u00fc. \u00c7ok basit bir <strong>k\u0131yaslama,<\/strong> bu saptamay\u0131 daha berrak k\u0131lacakt\u0131r san\u0131yorum. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.tefas.gov.tr\/Default.aspx<\/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-20.png?w=710\" alt=\"\" class=\"wp-image-1219\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">TL mevduat faizinin %12.50 seviyelerinde oldu\u011fu \u015fu g\u00fcnlerde, mevduattan elde edilen net getiriye bir bakal\u0131m. Y\u0131l sonuna kadar %5 seviyesine \u00e7ekilen stopaj avantaj\u0131n\u0131 da hesaba katarak \u015f\u00f6yle bir hesaplama yapabiliriz:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">( 12.50% *0,95 ) = %11.875 y\u0131ll\u0131k faiz \/ 12 = <strong>%0.98 ayl\u0131k net getiri <\/strong>demektir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mevduat faiz getirisi, yat\u0131r\u0131m fonlar\u0131 getiri yelpazesinin en d\u00fc\u015f\u00fc\u011f\u00fc olan para piyasas\u0131 fonu kadar getiri sa\u011flayabilmi\u015f yakla\u015f\u0131k. A\u00e7\u0131klanan en son t\u00fcketici enflasyonu ise <strong>ayl\u0131k %0.97 idi.<\/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-21.png?w=674\" alt=\"\" class=\"wp-image-1220\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.bloomberght.com\/tuketici-fiyatlari-eylul-de-yillik-yuzde-1175-artti-2265824<\/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\/pexels-photo-590022.jpeg\" alt=\"\" class=\"wp-image-1225\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Tasarruflar\u0131 b\u00fcy\u00fctme ihtiyac\u0131<\/strong><\/h4>\n\n\n\n<p class=\"has-drop-cap wp-block-paragraph\">Yat\u0131r\u0131m fonuna ilginin alt\u0131nda yatan \u015fey bu. <strong>Gayet basit ve sade.<\/strong> Birikimlere enflasyon \u00fczerinde bir getiri sa\u011flayabilme aray\u0131\u015f\u0131nda, yat\u0131r\u0131m fonu bireysel yat\u0131r\u0131mc\u0131 taraf\u0131ndan art\u0131k daha \u00e7ok inceleniyor, daha \u00e7ok ilgi g\u00f6r\u00fcyor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TEFAS, bu aray\u0131\u015f esnas\u0131nda, <strong>bize \u00e7ok anla\u015f\u0131l\u0131r ve k\u0131yaslanabilir<\/strong> bilgiler sunuyor. Site men\u00fcs\u00fc; fon getiri analizi, fon getiri kar\u015f\u0131la\u015ft\u0131rmas\u0131, fonlar hakk\u0131nda detayl\u0131 bilgi, <strong>KAP sayfas\u0131na ge\u00e7i\u015f<\/strong> imkan\u0131 vererek resmi bildirimlere ula\u015f\u0131m gibi \u00e7ok pratik \u00f6gelerle dolu. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.tefas.gov.tr\/FonAnaliz.aspx<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/www.tefas.gov.tr\/FonKarsilastirma.aspx<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TEFAS asl\u0131nda bireysel yat\u0131r\u0131mc\u0131lar\u0131n birikimlerini <strong>profesyonel kadrolar<\/strong> taraf\u0131ndan y\u00f6netilen yat\u0131r\u0131m fonlar\u0131 arac\u0131l\u0131\u011f\u0131 ile de\u011ferlendirmesine \u00f6nc\u00fcl\u00fck eden, buna ek olarak da, bireysel yat\u0131r\u0131mc\u0131lar\u0131n yat\u0131r\u0131m kararlar\u0131n\u0131 <strong>ak\u0131lc\u0131 ilkelere<\/strong> dayand\u0131rmas\u0131n\u0131 destekleyen bir f\u0131rsat penceresi. T\u00fcm \u00f6n ko\u015fullar\u0131<strong> &#8216;k\u00fc\u00e7\u00fck yat\u0131r\u0131mc\u0131y\u0131 korumak&#8217;<\/strong> \u00fczerine kurgulanm\u0131\u015f olan <strong>\u015feffaf bir platform.<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm fonlar\u0131 inceleyip nelerden olu\u015ftu\u011funu, kimlerin y\u00f6netti\u011fini, yat\u0131r\u0131mc\u0131ya tavsiye edilen vadenin ne oldu\u011funu, fonun risk seviyesinin ne oldu\u011funu ve yat\u0131r\u0131m s\u00fcrecinde nelerle kar\u015f\u0131la\u015f\u0131labilece\u011fini a\u00e7\u0131kl\u0131kla payla\u015fan, finansal okuryazarl\u0131\u011f\u0131n geli\u015fimine de katk\u0131 sa\u011flayan bir site. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TEFAS i\u00e7eri\u011finden ba\u011fland\u0131\u011f\u0131n\u0131z KAP sitesinde yay\u0131nlanan ileti\u015fim bilgileri yoluyla fonunuzu y\u00f6neten ekiple<strong> bizzat g\u00f6r\u00fc\u015fme<\/strong> \u015fans\u0131n\u0131z bile var. Portf\u00f6y \u015firketlerinin analistleri nezaketle yard\u0131mc\u0131 oluyor. <\/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-25.png?w=367\" alt=\"\" class=\"wp-image-1234\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Bitirirken<\/strong><\/h4>\n\n\n\n<p class=\"has-drop-cap wp-block-paragraph\">Yat\u0131r\u0131mlar\u0131m\u0131 y\u00f6netirken, TEFAS ekran\u0131n\u0131 s\u0131k s\u0131k kullan\u0131yorum. Fon d\u00fcnyas\u0131nda neler olup bitiyor takip ediyorum. Fonumun i\u00e7eri\u011findeki <strong>finansal \u00fcr\u00fcnleri<\/strong> kontrol ediyorum. \u00dcr\u00fcnlerle ilgili beklentiyi bozan bir piyasa geli\u015fmesi var m\u0131d\u0131r, haber ak\u0131\u015flar\u0131 ne durumdad\u0131r gibi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m\u0131n\u0131z ile olan <strong>ba\u011f\u0131n kopmamas\u0131<\/strong> gerekiyor. Ald\u0131\u011f\u0131n\u0131z finansal \u00fcr\u00fcn, uzun vadeli bir bak\u0131\u015f a\u00e7\u0131s\u0131 ile tercih edilmesi gereken bir \u00fcr\u00fcnse; portf\u00f6ydeki <strong>\u00fcr\u00fcn bazl\u0131 zaman y\u00f6netimini<\/strong> de buna uygun yapmak gerek. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m fonu portf\u00f6ylerde olmas\u0131 faydal\u0131 olacak bir finansal \u00fcr\u00fcn. Risk alg\u0131n\u0131z ve ki\u015fisel tercihlerinize uygun bir fon se\u00e7erek <strong>birikimlerinizi g\u00fcvenle artt\u0131rmak m\u00fcmk\u00fcn olabilir.<\/strong> TEFAS&#8217;\u0131 mutlaka incelemenizi dilerim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sa\u011fl\u0131kla kal\u0131n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bilin\u00e7li bir tasarruf s\u00fcrecine gireli san\u0131r\u0131m iki bu\u00e7uk y\u0131l kadar oldu. \u00d6nceli\u011fi t\u00fcketimi azaltmak ve k\u0131sa vadede bitirebilir bor\u00e7lar\u0131 bitirmeye verdim. Ard\u0131ndan olduk\u00e7a muhafazakar da olsa, tasarrufa kafa yormaya, okumaya&hellip;<\/p>\n","protected":false},"author":1,"featured_media":4162,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[13,15,34,37],"class_list":["post-1206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-aile","tag-birikim","tag-tasarruf","tag-yatirim-fonu"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1206","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=1206"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1206\/revisions"}],"predecessor-version":[{"id":4163,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1206\/revisions\/4163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/4162"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1206"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1206"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1206"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}