{"id":1651,"date":"2021-09-05T11:04:23","date_gmt":"2021-09-05T08:04:23","guid":{"rendered":"https:\/\/tasarrufdelileri.com\/?p=1651"},"modified":"2026-03-07T17:28:02","modified_gmt":"2026-03-07T14:28:02","slug":"sabir-bizi-nereye-ulastirir","status":"publish","type":"post","link":"https:\/\/fonanalizi.com\/?p=1651","title":{"rendered":"Sab\u0131r bizi nereye ula\u015ft\u0131r\u0131r?"},"content":{"rendered":"\n

<\/p>\n\n\n\n

Hayat\u0131n ak\u0131\u015f\u0131 i\u00e7inde planlama yapmak, \u00e7o\u011fu zaman hep akl\u0131m\u0131zdan ge\u00e7en; ancak pek de uygulayamad\u0131\u011f\u0131m\u0131z davran\u0131\u015f bi\u00e7imi sanki. \u0130nsan, kimi zaman bir do\u011fum g\u00fcn\u00fcnde, kimi zaman s\u0131radan bir y\u0131lba\u015f\u0131 gecesi, de\u011fi\u015ftirmek istedi\u011fi \u015feylerle ilgili bir s\u00f6z verir kendisine i\u00e7ten i\u00e7e; der ki ‘art\u0131k bundan sonra <\/strong>b\u00f6yle yapaca\u011f\u0131m!’<\/p>\n\n\n\n

<\/p>\n\n\n

\n
\"\"
Plana ba\u011fl\u0131 kalmak<\/figcaption><\/figure>\n<\/div>\n\n\n

<\/p>\n\n\n\n

‘O an’ i\u00e7in kendimize moral veren bir i\u00e7 s\u00f6z\u00fcn beynimizden kalbimize giden direktifidir bu. <\/p>\n\n\n\n

Kendimize s\u00f6z verdi\u011fimiz o ‘milat’ gelince as\u0131l zorluk, uygulamada ba\u015flar. \u0130lk hevesin verdi\u011fi enerji sayesinde b\u00fcy\u00fck bir motivasyonla ba\u015flar\u0131z hayallerdeki hedefe do\u011fru. Birinci g\u00fcn, ikinci g\u00fcn, birinci ay, \u00fc\u00e7\u00fcnc\u00fc ay…<\/p>\n\n\n\n

Zaman ge\u00e7tik\u00e7e hedef yolda kar\u015f\u0131m\u0131za \u00e7\u0131kan ‘ta\u015f toprak’ <\/strong>ya da elimize bat\u0131veren bir ‘diken’ <\/strong>ba\u015flang\u0131\u00e7taki o ‘ilk motivasyonu’ <\/strong>\u00f6rselemeye ba\u015flar, d\u00fcz \u00e7izgi \u00fczerinde devam eden o yolculukta sapmalar ya\u015far\u0131z. <\/p>\n\n\n\n

<\/p>\n\n\n

\n
\"\"
Nas\u0131l ba\u015flarsak \u00f6yle mi gideriz?<\/figcaption><\/figure>\n<\/div>\n\n\n

<\/p>\n\n\n\n

Tasarrufa karar vermi\u015fken bir de bakm\u0131\u015f\u0131z; cep telefonumuz daha iki y\u0131l\u0131n\u0131 doldurmam\u0131\u015fken, yeni modelin b\u00fcy\u00fcs\u00fcne kap\u0131l\u0131p telefon de\u011fi\u015ftirmi\u015fiz, ya da uzun s\u00fcreli olarak yat\u0131r\u0131m yapmay\u0131 kafam\u0131za koymu\u015fken, hisse senedimizdeki k\u0131sa d\u00f6nem kazan\u00e7lar\u0131 ‘cebe atmak’ <\/strong>i\u00e7in al-sat yapmaya ba\u015flam\u0131\u015f\u0131z.<\/p>\n\n\n\n

\u0130ki u\u00e7 \u00f6rnek gibi g\u00f6r\u00fcnse de, bu davran\u0131\u015flar\u0131n temelinde san\u0131r\u0131m biraz ‘sab\u0131r’ <\/strong>olgusundan uzakla\u015fmak yat\u0131yor. <\/p>\n\n\n\n

Pandeminin bizi eve kapamas\u0131 ve zaman\u0131m\u0131z\u0131n ‘zorunlu olarak’ <\/strong>bolla\u015fmas\u0131, 2020 ba\u015f\u0131nda beni ‘tasarruflar\u0131m\u0131 nas\u0131l artt\u0131r\u0131r\u0131m’ <\/strong>gibi bir soruya g\u00f6t\u00fcrm\u00fc\u015f, ard\u0131ndan gelen soru ise ‘daha iyi nas\u0131l de\u011ferlendiririm’ <\/strong>olmu\u015ftu.<\/p>\n\n\n\n

Finansal okuryazarl\u0131k \u00fclkemizde son d\u00f6nemde \u00e7ok dile getirilir bir kavram ve temelinde yatan en \u00f6nemli unsurun ne oldu\u011funu ve i\u015fleri y\u0131llard\u0131r finans ve yat\u0131r\u0131m sekt\u00f6rlerinde, akademik \u00e7evrelerde ge\u00e7en insanlar\u0131n ‘neden bu olgu i\u00e7in g\u00f6n\u00fcll\u00fc \u00e7al\u0131\u015ft\u0131klar\u0131n\u0131’ <\/strong>anlamaya \u00e7al\u0131\u015ft\u0131m. <\/p>\n\n\n\n

https:\/\/foy.tbb.org.tr\/finansal-okuryazarlik-nedir<\/p>\n\n\n\n

Toplum olarak haf\u0131zam\u0131z\u0131n \u00e7ok g\u00fc\u00e7l\u00fc oldu\u011fu s\u00f6ylenemez, her \u015feyi \u00e7ok \u00e7abuk unutuyoruz ve \u015fimdi art\u0131k bu resme \u0131\u015f\u0131k h\u0131z\u0131 ile yar\u0131\u015fan bir haber ak\u0131\u015f\u0131 da eklendi, ku\u015fkusuz. Her \u015fey \u00e7ok \u00e7abuk olup bitiyor, hayatlar\u0131m\u0131z\u0131 planlay\u0131p gelece\u011fi kurgulamak ve gelece\u011fe yat\u0131r\u0131m yapmak daha da \u00f6nemli hale geliyor.<\/p>\n\n\n\n

<\/p>\n\n\n

\n
\"\"
Finansal sistemin do\u011fas\u0131<\/figcaption><\/figure>\n<\/div>\n\n\n

<\/p>\n\n\n\n

Tasarruf al\u0131\u015fkanl\u0131klar\u0131m\u0131z\u0131n ‘finansal sistem’ <\/strong>i\u00e7inde ger\u00e7ekle\u015fen en \u00f6nemli ifadesi ‘param\u0131z\u0131 bankaya yat\u0131rmak ve faiz getirisi elde etmek’ <\/strong>olarak \u00f6zetlenebilir y\u0131llard\u0131r. Elbette bu tan\u0131m\u0131n i\u00e7ine ‘dolar veya euro olarak elde tutulan ya da bankaya yat\u0131r\u0131lan’<\/strong> paray\u0131 da eklemek laz\u0131m. <\/p>\n\n\n\n

Alt\u0131n ise geleneksel bir yat\u0131r\u0131m arac\u0131m\u0131z ve pandemi d\u00f6neminde olu\u015fan belirsizli\u011fin alt\u0131n\u0131 nas\u0131l destekledi\u011fini hep beraber ya\u015fad\u0131k t\u00fcm d\u00fcnyada. Ni\u015fan ve d\u00fc\u011f\u00fcnlerle sosyal hayat\u0131m\u0131za derinden i\u015fleyen, toplumumuzun genlerine yay\u0131larak bir ‘yat\u0131r\u0131ma’ <\/strong>ve bir ka\u00e7 kuru\u015f artt\u0131rarak ald\u0131\u011f\u0131m\u0131z bir \u00e7eyrekle ‘d\u00fczenli birikime’ <\/strong>d\u00f6n\u00fc\u015fen alt\u0131n, tasarruf dinamiklerimizde her zaman g\u00fc\u00e7l\u00fc bir yer tutacak, bu kesin…<\/p>\n\n\n\n

Tasarruf al\u0131\u015fkanl\u0131klar\u0131m\u0131z\u0131n genel bir resmine bakt\u0131\u011f\u0131m\u0131zda, banka mevduat\u0131, d\u00f6viz ve alt\u0131n birikimi olarak bir \u00f6zet g\u00f6rmek gayet olas\u0131. <\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

Elbette buna \u00e7ok g\u00fc\u00e7l\u00fc tasarruf y\u00f6ntemlerimizden biri olan ‘konut edinme ve kira geliri elde etme’ <\/strong>se\u00e7ene\u011fini de eklemeliyim. Ancak konut, s\u0131radan bir insan\u0131n \u00f6mr\u00fcnde bir veya iki defa ula\u015fabilece\u011fi ‘bir fildi\u015fi kule’ <\/strong>\u00fclkemizde, bu y\u00f6n\u00fcyle ‘k\u00fc\u00e7\u00fck miktarlarla birikim yapabilme’ <\/strong>noktas\u0131nda di\u011fer se\u00e7eneklerden ayr\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yleyebiliriz.<\/p>\n\n\n\n

Gelir da\u011f\u0131l\u0131m\u0131m\u0131z\u0131n ‘\u00e7ok sa\u011fl\u0131kl\u0131 olmad\u0131\u011f\u0131’<\/strong> ger\u00e7e\u011fini \u00f6n\u00fcm\u00fcze koydu\u011fumuzda, tasarruf olgusunun ‘herkes i\u00e7in ula\u015f\u0131labilir’ <\/strong>olmas\u0131ndaki kritik noktan\u0131n; yat\u0131r\u0131m yap\u0131labilir se\u00e7eneklerin de ‘ula\u015f\u0131labilir’ kurgulanmas\u0131’ <\/strong>oldu\u011funu g\u00f6r\u00fcyoruz. <\/p>\n\n\n\n

Asgari \u00fccret ile ge\u00e7imini sa\u011flayanlar\u0131n, t\u00fcm \u00fccretlilerin neredeyse yar\u0131s\u0131 kadar olmas\u0131, bunu zorunlu k\u0131l\u0131yor. Herkesin k\u00fc\u00e7\u00fck tutarlarda da birikim yapabilme gibi bir l\u00fcks\u00fc olmal\u0131. <\/p>\n\n\n\n

\u00dclkemizdeki enflasyonist ortam ve toplumumuzun geni\u015f kesimlerine yay\u0131lm\u0131\u015f ve d\u00fc\u015f\u00fcnsel olarak ‘kemikle\u015fmi\u015f’ <\/strong>gelecek kayg\u0131s\u0131, para s\u00f6z konusu oldu\u011funda bizleri ‘k\u0131sa vadeli d\u00fc\u015f\u00fcnmeye iten’ <\/strong>bir \u00e7ok toplumsal tecr\u00fcbenin bir sonucu olarak g\u00f6r\u00fclebilir.<\/p>\n\n\n\n

Bir \u0130skandinav \u00fclkesinde bir y\u0131lda g\u00f6r\u00fclecek haber ak\u0131\u015f\u0131n\u0131 sadece bir haftada, hatta bir g\u00fcnde g\u00f6rmeye al\u0131\u015fm\u0131\u015f \u00fclkemiz insan\u0131; sa\u011flam ve dingin bir zemine bir t\u00fcrl\u00fc oturamayan bu sosyal ortam nedeniyle ‘gelece\u011fi uzun vadede kurgulama’<\/strong> gibi bir l\u00fcksten do\u011fal olarak uzak kalm\u0131\u015f durumda. <\/p>\n\n\n\n

<\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

<\/p>\n\n\n\n

Finansal sistemin k\u00fc\u00e7\u00fck yat\u0131r\u0131mc\u0131ya sundu\u011fu se\u00e7enekler, temelde ‘paran\u0131n de\u011fer kayb\u0131n\u0131’ <\/strong>a\u015farak, yat\u0131r\u0131mc\u0131ya bir ‘art\u0131 de\u011fer’<\/strong> sa\u011flayabilme amac\u0131n\u0131 y\u00f6neliktir. Enflasyon sorunu ya\u015fayan bizim gibi \u00fclkelerde ‘k\u00fc\u00e7\u00fck yat\u0131r\u0131mc\u0131n\u0131n do\u011fal beklentisi’<\/strong> de budur. <\/p>\n\n\n\n

Finansal sistem bunun i\u00e7in farkl\u0131 risk alg\u0131lar\u0131na sahip yat\u0131r\u0131mc\u0131lar i\u00e7in farkl\u0131 zaman aral\u0131klar\u0131nda yat\u0131r\u0131m yap\u0131lmas\u0131 gereken alternatifler sunar ki, hisse senedi yat\u0131r\u0131m\u0131 da bunlardan biri. <\/p>\n\n\n\n

<\/p>\n\n\n

\n
\"\"
Hisse senedi fiyat grafikleri<\/figcaption><\/figure>\n<\/div>\n\n\n

Hisse senedi, en k\u00fc\u00e7\u00fck TL banknot ile bile alabilece\u011finiz, bir \u015firkete ortak olma hakk\u0131n\u0131 sunabilen bir yat\u0131r\u0131m metodu. \u00dclkemizde son d\u00f6nemdeki ‘halka arz’ <\/strong>hareketlili\u011fini saymazsak, genel toplam i\u00e7inde ‘g\u00f6rece’ <\/strong>k\u00fc\u00e7\u00fck bir y\u00fczdeye sahip, insan\u0131m\u0131z\u0131n \u00e7ok ilgi g\u00f6stermedi\u011fi veya g\u00f6sterse bile en yo\u011fun metot, yani al-sat mant\u0131\u011f\u0131yla uygulad\u0131\u011f\u0131 risk dolu bir gelir artt\u0131rma y\u00f6ntemi<\/strong> asl\u0131nda. <\/p>\n\n\n\n

Ancak hisse senedindeki en \u00f6nemli unsur, finansal de\u011ferleri sa\u011flam, y\u00f6netimine g\u00fcvenilebilir \u015firketlere uzun vadede yat\u0131r\u0131m yaparak; o \u015firketin b\u00fcy\u00fcme ve de\u011fer yaratma potansiyeline uzun vadede ortak olabilmek, hisse senedi yat\u0131r\u0131m\u0131n\u0131 k\u0131sa vadeli bir gelir artt\u0131rma y\u00f6ntemi olarak de\u011fil; uzun vadeli bir yat\u0131r\u0131m y\u00f6ntemi <\/strong>olarak benimseyebilmektir. <\/p>\n\n\n\n

<\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

<\/p>\n\n\n\n

Hisse senedi veya borsa deyinde hemen ilk akla gelen kli\u015fe c\u00fcmlenin ‘borsa oynamak’ <\/strong>olmas\u0131 bu durumun dilimize yans\u0131yan bir ifadesi olarak da kabul edilebilir. Toplumsal yat\u0131r\u0131m genlerimizin do\u011fal olarak devrede oldu\u011fu ve yat\u0131r\u0131m\u0131n ‘vadesini’ <\/strong>k\u0131saltan davran\u0131\u015f bi\u00e7imleri bunlar. <\/p>\n\n\n\n

Elbette ben de bu toplumun bir par\u00e7as\u0131y\u0131m ve s\u00fcrekli dile getirilen bu kli\u015feden ba\u015flang\u0131\u00e7 d\u00f6nemlerimde etkilenmedi\u011fimi s\u00f6yleyemem. Bir hisse senedi al\u0131yorsunuz, o hisse senedi art\u0131 de\u011fer yaratt\u0131\u011f\u0131nda sat\u0131p kazanc\u0131n\u0131z\u0131 cebinize koyuyorsunuz. Olduk\u00e7a basit g\u00f6r\u00fcnen ve uygulanabilir bir y\u00f6ntem gibi geliyor ilk ba\u015fta insana. Ancak as\u0131l sorun ‘kaybetmeye ba\u015flad\u0131\u011f\u0131n\u0131zda’ <\/strong>ortaya \u00e7\u0131k\u0131yor. <\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

Bilim insanlar\u0131, insan\u0131n ‘kazanca verdi\u011fi olumlu tepkinin, kayba verdi\u011fi olumsuz tepki kadar g\u00fc\u00e7l\u00fc olmad\u0131\u011f\u0131n\u0131’ <\/strong>saptam\u0131\u015flar. \u00d6zeti insan\u0131n kazan\u0131rken deneyimledi\u011fi duygusal tatmin, kaybederken ya\u015fad\u0131\u011f\u0131 \u00fcz\u00fcnt\u00fcn\u00fcn yerini kesinlikle tutmuyor. Hisse senedi, kay\u0131p ve kazanc\u0131 do\u011fas\u0131nda ta\u015f\u0131yan ve bu iki duyguyu yat\u0131r\u0131mc\u0131s\u0131na s\u0131k\u00e7a ya\u015fatma potansiyeli ta\u015f\u0131yan, h\u0131rpalay\u0131c\u0131 bir yat\u0131r\u0131m y\u00f6ntemi olarak g\u00f6sterilebilir.<\/p>\n\n\n\n

Kritik nokta \u015fu:<\/strong><\/p>\n\n\n\n

Hangi davran\u0131\u015f\u0131 g\u00f6sterirsek?<\/strong><\/p>\n\n\n\n

Hepimizin birle\u015fti\u011fi bir nokta vard\u0131r ki; bir \u00e7o\u011fumuzun dedesinin zaman\u0131nda ‘buralar dutluktu.’ <\/strong><\/p>\n\n\n\n

Ancak \u015fimdinin d\u00fcnyas\u0131nda pek \u00f6yle \u015feyler yok. Hayat\u0131n \u00e7ok h\u0131zl\u0131 akt\u0131\u011f\u0131 21.yy d\u00fcnyas\u0131nda hem kendimiz hem de sevdiklerimiz i\u00e7in, ba\u015f\u0131m\u0131z\u0131 d\u00f6nd\u00fcren bir \u00e7ok se\u00e7enek aras\u0131ndan do\u011fru se\u00e7imleri yaparak ‘bir \u015feyler i\u00e7in’ <\/strong>sabredebilmeliyiz. <\/p>\n\n\n\n

Hisse senedi yat\u0131r\u0131m\u0131nda ikinci y\u0131la girdim ve ilk zamanlar\u0131mdaki duygu yo\u011funlu\u011funun art\u0131k azald\u0131\u011f\u0131n\u0131 hissediyorum. Bu azal\u0131\u015f ‘bir hedeften sapma halinden’ <\/strong>de\u011fil, bu s\u00fcrede ‘sab\u0131r’ <\/strong>olgusunun kazand\u0131rd\u0131klar\u0131n\u0131 ‘net olarak’<\/strong> g\u00f6zlemi\u015f olmaktan kaynaklan\u0131yor. <\/p>\n\n\n\n

\u0130lk zamanlar portf\u00f6y\u00fcme her g\u00fcn bakard\u0131m, bu yava\u015f yava\u015f de\u011fi\u015fti. \u00d6nce haftal\u0131\u011fa, sonra ayl\u0131\u011fa evrildi. Bu s\u00fcrede hedefledi\u011fimden de fazla temett\u00fc geliri elde ettim ve uzun vadeye inanc\u0131m per\u00e7inlenmeye ba\u015flad\u0131. <\/p>\n\n\n\n

Bu yaz\u0131y\u0131 bir ba\u015flang\u0131\u00e7 kabul ediniz. <\/p>\n\n\n\n

Devam\u0131nda ‘sabr\u0131n neden \u00f6nemli oldu\u011funu’ <\/strong>ya\u015fanm\u0131\u015f deneyimler \u0131\u015f\u0131\u011f\u0131nda payla\u015faca\u011f\u0131m.<\/p>\n\n\n\n

Bildi\u011fim bir \u015fey var ki o da \u015fu; yat\u0131r\u0131m i\u015finde profesyonellerin s\u00fcrekli s\u00f6yledikleri \u015feyler ve k\u00fc\u00e7\u00fck yat\u0131r\u0131mc\u0131y\u0131 korumak ad\u0131na verdikleri tavsiyeler ‘kli\u015fe de\u011fil’ <\/strong>ger\u00e7ekten ya\u015fanm\u0131\u015f ve b\u00fcy\u00fck olas\u0131l\u0131kla zarar\u0131 g\u00f6r\u00fclm\u00fc\u015f davran\u0131\u015flardan sonra elde edilmi\u015f ‘\u00e7\u0131kar\u0131mlar’.<\/strong><\/p>\n\n\n\n

Yolu uzun kabul etmek laz\u0131m. Herkes ya\u015fam d\u00f6ng\u00fcs\u00fcn\u00fcn farkl\u0131 bir noktas\u0131nda ve herkesin oyun plan\u0131 birbirinden farkl\u0131 oluyor, bu i\u015fin do\u011fas\u0131nda var. \u00d6nemli olan, plana ba\u011fl\u0131 kalabilmek.<\/p>\n\n\n\n

Sab\u0131rl\u0131 olabilmek.<\/p>\n\n\n\n

Bir sonraki yaz\u0131da g\u00f6r\u00fc\u015fmek \u00fczere.<\/p>\n\n\n\n

Sa\u011fl\u0131kla kal\u0131n.<\/p>\n","protected":false},"excerpt":{"rendered":"

Hayat\u0131n ak\u0131\u015f\u0131 i\u00e7inde planlama yapmak, \u00e7o\u011fu zaman hep akl\u0131m\u0131zdan ge\u00e7en; ancak pek de uygulayamad\u0131\u011f\u0131m\u0131z davran\u0131\u015f bi\u00e7imi sanki. \u0130nsan, kimi zaman bir do\u011fum g\u00fcn\u00fcnde, kimi zaman s\u0131radan bir y\u0131lba\u015f\u0131 gecesi, de\u011fi\u015ftirmek…<\/p>\n","protected":false},"author":1,"featured_media":4133,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1651","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1651","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=1651"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1651\/revisions"}],"predecessor-version":[{"id":4134,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/1651\/revisions\/4134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/4133"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}