{"id":365,"date":"2020-09-05T14:22:50","date_gmt":"2020-09-05T11:22:50","guid":{"rendered":"http:\/\/tasarrufdelileri.com\/?p=365"},"modified":"2026-03-07T18:50:45","modified_gmt":"2026-03-07T15:50:45","slug":"iyi-bir-yatirim-portfoyu-nasil-olmali","status":"publish","type":"post","link":"https:\/\/fonanalizi.com\/?p=365","title":{"rendered":"\u0130yi bir yat\u0131r\u0131m portf\u00f6y\u00fc nas\u0131l olmal\u0131?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uzun zamand\u0131r g\u00f6rmedi\u011fim, \u00e7ok sevdi\u011fim bir arkada\u015f\u0131mla sohbet etme f\u0131rsat\u0131m oldu bu hafta.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sohbet hayat\u0131n rutinlerine geldi, d\u00fcnyan\u0131n durumu, beklentiler, endi\u015feler&#8230; Tasarrufa gelmesi ka\u00e7\u0131n\u0131lmazd\u0131, hemen de geldi zaten&#8230; Arkada\u015f\u0131m\u0131n portf\u00f6y\u00fcn\u00fc yakla\u015f\u0131k olarak d\u00f6rde b\u00f6ld\u00fc\u011f\u00fcn\u00fc, bu d\u00f6rt par\u00e7adan y\u00fczdesel anlamda en b\u00fcy\u00fc\u011f\u00fcn\u00fcn <strong>Bireysel Emeklilik<\/strong> oldu\u011funu \u00f6\u011frendim. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"234\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-23.png?w=584\" alt=\"\" class=\"wp-image-375\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-23.png 584w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-23-300x120.png 300w\" sizes=\"auto, (max-width: 584px) 100vw, 584px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bireysel emeklili\u011fe bir emniyet unsuru olarak bak\u0131yor ve her ay maa\u015f\u0131ndan 1.500 TL gibi \u00f6nemli bir miktar ay\u0131rarak bu tasarrufa on \u00fc\u00e7 y\u0131ld\u0131r devam ediyordu. 100 TL ile ba\u015flad\u0131\u011f\u0131 yolculukta d\u00fczenli ayl\u0131k tasarrufu 1.500 TL&#8217;ye kadar \u00e7\u0131karm\u0131\u015ft\u0131. BES fon karmalar\u0131 dengeli\/de\u011fi\u015fken fonlardan olu\u015fuyordu. Fon karmalar\u0131n\u0131n getirisini takip ediyor, sistemin kat\u0131l\u0131mc\u0131ya tan\u0131d\u0131\u011f\u0131 imkanlar\u0131 aktif olarak kullan\u0131yor ve gerekli g\u00f6rd\u00fc\u011f\u00fcnde fon karmalar\u0131ndaki finansal \u00fcr\u00fcnlerin a\u011f\u0131rl\u0131\u011f\u0131n\u0131 d\u00f6nem d\u00f6nem de\u011fi\u015ftirmek gibi aksiyonlar da al\u0131yordu. Bireysel emeklilik, arkada\u015f\u0131m i\u00e7in portf\u00f6y\u00fcn\u00fcn korumac\u0131 ve en \u00e7ok yeni kaynak aktar\u0131lan k\u0131sm\u0131yd\u0131 \u00f6zet olarak ve \u00e7ok aktif y\u00f6netiyordu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Portf\u00f6y\u00fcndeki di\u011fer \u00fc\u00e7 se\u00e7enek ise, alt\u0131n-dolar ve hisse olarak s\u0131ralan\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Malum hisse senetleri i\u00e7in k\u00f6t\u00fc bir ay\u0131 geride b\u0131rakt\u0131k. Temmuzu 1.126,90 puandan kapatan BIST100 endeksi, A\u011fustos ay\u0131n\u0131 yakla\u015f\u0131k %4 de\u011fer kaybederek 1.078,61 puandan kapad\u0131.  <\/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 loading=\"lazy\" decoding=\"async\" width=\"412\" height=\"356\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-29.png?w=412\" alt=\"\" class=\"wp-image-391\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-29.png 412w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-29-300x259.png 300w\" sizes=\"auto, (max-width: 412px) 100vw, 412px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hisse portf\u00f6y\u00fcnde say\u0131 ne kadar az ise, risk ve getiri de o kadar \u00e7ok olabiliyor. Se\u00e7ti\u011finiz hisselerin performans\u0131 iyiyse getiriniz h\u0131zla b\u00fcy\u00fcyebiliyor, k\u00f6t\u00fcyse sizi beklemeye ya da zarar pozisyonda sat\u0131\u015f yapmaya zorlayabiliyor. Arkada\u015f\u0131m\u0131n \u00f6rne\u011finde, portf\u00f6yde sadece <strong>iki adet hisse senedi<\/strong> var. Hisseye ay\u0131rd\u0131\u011f\u0131 toplam paran\u0131n %80&#8217;i ile sa\u011fl\u0131k sekt\u00f6r\u00fcnden bir adet, kalan %20&#8217;si ile de teknoloji hisselerinden bir adet hisse senedi alm\u0131\u015f. Hisse say\u0131s\u0131 az, y\u00fczde a\u011f\u0131rl\u0131klar agresif&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aylard\u0131r Covid ger\u00e7e\u011fiyle i\u00e7 i\u00e7e ya\u015far ve hayat\u0131m\u0131z\u0131 teknolojik \u00fcr\u00fcnlerin bize sundu\u011fu kolayl\u0131klarla <strong>&#8216;online&#8217;<\/strong> s\u00fcrd\u00fcrmeye \u00e7al\u0131\u015f\u0131rken, sekt\u00f6rel se\u00e7imin bu ikisi olmas\u0131 gayet anla\u015f\u0131labilir bana g\u00f6re. Se\u00e7imi belirleyen sebeplere odakland\u0131\u011f\u0131m\u0131zda ise, durum biraz de\u011fi\u015fti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u015eirket bilan\u00e7olar\u0131na, \u015firket defter de\u011feri, fiyat\/kazan\u00e7 oran\u0131 gibi finansal rasyolara bak\u0131lmam\u0131\u015f, \u015firketin faaliyet raporu, \u015firketle ilgili herhangi bir ara\u015ft\u0131rma raporu okunmam\u0131\u015ft\u0131. Ald\u0131\u011f\u0131, pahal\u0131 bir hisse mi, ucuz kalm\u0131\u015f bir hisse mi, bu kriterler kontrol edilmemi\u015fti. Sekt\u00f6rel bir de\u011ferlendirmeye g\u00f6z at\u0131lmam\u0131\u015ft\u0131.  <\/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\/09\/image-27.png?w=576\" alt=\"\" class=\"wp-image-380\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se\u00e7imdeki en \u00f6nemli motivasyon, k\u0131sa vadede fiyat art\u0131\u015f beklentisiydi.  Ve s\u00fcrecin en riskli k\u0131sm\u0131, hissenin <strong>&#8216;birinin tavsiyesi&#8217;<\/strong> olmas\u0131yd\u0131. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sonu\u00e7 olarak, iki hisseden olu\u015fan portf\u00f6ydeki zarar,  %26 seviyesindeydi d\u00fcn itibariyle. Endeksin %4 geriledi\u011fi bir ayda, yat\u0131r\u0131m endeksten 6,5 kat fazla zarar etmi\u015fti, arkada\u015f\u0131m da do\u011fald\u0131r, \u00e7ok \u00fcz\u00fclm\u00fc\u015ft\u00fc. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Hislerimize neden bu kadar \u00e7ok g\u00fcveniyoruz?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Belki de bir\u00e7o\u011fumuzun b\u00f6yle bir deneyimi olmu\u015ftur hisse yat\u0131r\u0131m\u0131nda. Belki kimimiz i\u00e7in \u00e7ok u\u00e7 bir \u00f6rnektir, belki de neredeyse birebir ayn\u0131s\u0131n\u0131 ya\u015fad\u0131\u011f\u0131m\u0131z benzer bir deneyimimiz olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bireysel emeklilik gibi uzun vadeli ve istikrarl\u0131 birikimi <strong>analitik bi\u00e7imde<\/strong> on \u00fc\u00e7 y\u0131ld\u0131r yapan bir ruh hali, s\u00f6z konusu olan hisse senedi oldu\u011funda neden beklentisini <strong>&#8216;k\u0131sa vadeli&#8217;<\/strong> olarak kurguluyor? Bireysel emeklili\u011fe yat\u0131r\u0131m yaparken g\u00f6sterilen on \u00fc\u00e7 y\u0131ll\u0131k sab\u0131r s\u00fcreci, konu borsa olunca <strong>neden k\u0131sal\u0131yor? <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m kararlar\u0131m\u0131zda rasyonellikten neden uzakla\u015fabiliyoruz? Tek ba\u015f\u0131m\u0131za asla yenemeyece\u011fimiz bir piyasada <strong>&#8216;hislerimize&#8217;<\/strong> neden bu kadar \u00e7ok g\u00fcveniriz? Yat\u0131r\u0131m portf\u00f6y\u00fcm\u00fcz\u00fcn tamam\u0131 i\u00e7in ge\u00e7erli olacak bir yakla\u015f\u0131m m\u00fcmk\u00fcn m\u00fc?  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Biraz bundan bahsetmek istiyorum. <\/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 loading=\"lazy\" decoding=\"async\" width=\"613\" height=\"319\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-33.png?w=613\" alt=\"\" class=\"wp-image-404\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-33.png 613w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-33-300x156.png 300w\" sizes=\"auto, (max-width: 613px) 100vw, 613px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Yat\u0131r\u0131mlar\u0131m\u0131z\u0131 \u00e7e\u015fitlendirirken&#8230;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m \u00e7e\u015fitlendirmesi, konuyla ilgili t\u00fcm uzmanlar\u0131n alt\u0131n\u0131 \u00f6zellikle \u00e7izdi\u011fi \u00f6nemli bir konudur. Piyasan\u0131n; takip edemeyece\u011fimiz say\u0131da dinami\u011fi var, t\u00fcm finansal \u00fcr\u00fcnleri bilmemiz ve iyi anlamam\u0131z m\u00fcmk\u00fcn de\u011fil ancak, piyasada birikimlerimizin de zamana yenilmesini istemiyor ve b\u00fcy\u00fcmesini arzuluyoruz. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00f6nemsel olarak ge\u00e7mi\u015f y\u0131llara bakt\u0131\u011f\u0131m\u0131zda hepimiz kendimize \u015funa benzer c\u00fcmleleri s\u00f6ylemi\u015fizdir, ke\u015fke t\u00fcm paray\u0131 \u015funa d\u00f6nseydim, ke\u015fke \u015fu hisseden daha \u00e7ok alsayd\u0131m, ke\u015fke \u015fu metalden daha \u00e7ok alsayd\u0131m gibi. Ger\u00e7ekle\u015fmi\u015f veriler \u00fczerinden piyasa yorumu gayet kolay&#8230; \u00d6nemli olan akan giden piyasa i\u00e7inde ya\u015farken bir \u015feyleri do\u011fru planlayabilmek&#8230;<\/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 loading=\"lazy\" decoding=\"async\" width=\"437\" height=\"360\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-34.png?w=437\" alt=\"\" class=\"wp-image-406\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-34.png 437w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-34-300x247.png 300w\" sizes=\"auto, (max-width: 437px) 100vw, 437px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az say\u0131da ya da tek bir yat\u0131r\u0131m enstr\u00fcman\u0131na odaklan\u0131p, piyasan\u0131n g\u00f6remedi\u011fini \u00e7ok \u00f6nceden g\u00f6r\u00fcp pozisyon alan, yapt\u0131\u011f\u0131 tercihten \u00e7ok para kazanan, yat\u0131r\u0131mlar\u0131n\u0131 hayal edilemeyecek seviyede katlayan insanlar var, okuyoruz. Hatta bu insanlardan baz\u0131lar\u0131, \u00e7ok para kazand\u0131\u011f\u0131 se\u00e7ene\u011fi en do\u011fru noktada elinden \u00e7\u0131kar\u0131p, bir ba\u015fka enstr\u00fcmana ge\u00e7erek kazanc\u0131n\u0131 katlayarak artt\u0131rabiliyor ve s\u0131radan yat\u0131r\u0131mc\u0131n\u0131n \u00f6mr\u00fcnde hi\u00e7 g\u00f6rmeyece\u011fi rakamlar\u0131 kazan\u0131p, devasa portf\u00f6ylere sahip olabiliyor. Bu tarz yat\u0131r\u0131m anlay\u0131\u015f\u0131yla devam edip, her zaman kazanan taraf\u0131nda olabiliyor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ben, b\u00f6yle bir yetenekten yoksunum. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Benim gibi, hayat d\u00f6ng\u00fcn\u00fcz\u00fcn ortas\u0131n\u0131 \u00e7oktan ge\u00e7tiyseniz, yat\u0131r\u0131m\u0131n haz\u0131rl\u0131k a\u015famas\u0131n\u0131 \u00e7ok dikkatli kurgulamak gerekebiliyor. <\/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 loading=\"lazy\" decoding=\"async\" width=\"577\" height=\"369\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-31.png?w=577\" alt=\"\" class=\"wp-image-399\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-31.png 577w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-31-300x192.png 300w\" sizes=\"auto, (max-width: 577px) 100vw, 577px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Risk anlay\u0131\u015f\u0131n\u0131z\u0131 \u00f6l\u00e7t\u00fcn\u00fcz m\u00fc?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131mlarda, getiri ile z\u0131t karde\u015f olan bir ba\u015fka kavram var: risk&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sab\u0131r gerektiren uzun bir s\u00fcreci sa\u011fl\u0131kl\u0131 kararlarla y\u00f6netmenin ilk \u015fart\u0131 \u00f6nce kendini tan\u0131maktan ge\u00e7iyor. Yat\u0131r\u0131m\u0131n ba\u015far\u0131s\u0131, tatmin seviyesi herkese g\u00f6re de\u011fi\u015febilen, subjektif bir konu \u00e7\u00fcnk\u00fc. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kimimiz 100 bin liral\u0131k bir hisse senedi portf\u00f6y\u00fcn\u00fcn bir ayda 102 bin olmas\u0131n\u0131 harika bulurken, kimimiz 2 bin lira i\u00e7in al\u0131nan bir ayl\u0131k riskin \u00e7ok yetersiz oldu\u011funu d\u00fc\u015f\u00fcnebilir ki, 2 bin lira TL %12&#8217;den mevduatta elde edece\u011finiz bir ayl\u0131k faizin 2,3 kat\u0131d\u0131r. Yat\u0131r\u0131m ara\u00e7lar\u0131ndaki fiyat hareketlerine verdi\u011fimiz tepkilerin \u00e7e\u015fitlili\u011fi de, i\u015fte bu g\u00f6r\u00fc\u015f farkl\u0131l\u0131klar\u0131ndan kaynaklan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130nsan\u0131n ya\u015f\u0131na, aktif \u00e7al\u0131\u015fma s\u00fcresinin ne kadar kald\u0131\u011f\u0131na, gelecek planlar\u0131na, hayallerine, yat\u0131r\u0131mdan beklentisine, yat\u0131r\u0131m\u0131n s\u00fcresine g\u00f6re hep de\u011fi\u015fir. <\/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 loading=\"lazy\" decoding=\"async\" width=\"487\" height=\"336\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-35.png?w=487\" alt=\"\" class=\"wp-image-409\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-35.png 487w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-35-300x207.png 300w\" sizes=\"auto, (max-width: 487px) 100vw, 487px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gen\u00e7 ya\u015fta tasarrufa ba\u015flayan riski sevmeyen bir yat\u0131r\u0131mc\u0131ysan\u0131z, sizi yormayacak d\u00fczenli tasarruflarla zamana yay\u0131lm\u0131\u015f istikrarl\u0131 birikimlerle hedefinize ula\u015fabilecekken, orta ya\u015ftaysan\u0131z bu anlay\u0131\u015f yeterli olmayacakt\u0131r. Gen\u00e7 ya\u015fta tasarrufa ba\u015flayan bir bireye g\u00f6re, daha agresif bir yat\u0131r\u0131m plan\u0131na a\u00e7\u0131k olmak gerekebilir, \u00e7\u00fcnk\u00fc aktif tasarruf d\u00f6neminin b\u00fcy\u00fck bir k\u0131sm\u0131 de\u011ferlendirilemeden ge\u00e7mi\u015fte kalm\u0131\u015ft\u0131r. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m kararlar\u0131n\u0131z\u0131 vermeden \u00f6nce, finansal okuryazarl\u0131k g\u00f6n\u00fcll\u00fcs\u00fc olan bir \u00e7ok akademisyenin harika raporlar\u0131ndan faydalanabilirsiniz. Linkini hemen alta b\u0131rak\u0131yorum. <\/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-i-yi-gelir wp-block-embed-i-yi-gelir\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"h8Sj1eCwdD\"><a href=\"https:\/\/iyigelir.net\/fire-finansal-ozgurluk-ve-erken-emeklilik-nedir\/\">FIRE (Finansal \u00d6zg\u00fcrl\u00fck ve Erken Emeklilik) Nedir?<\/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;FIRE (Finansal \u00d6zg\u00fcrl\u00fck ve Erken Emeklilik) Nedir?&#8221; &#8212; \u0130yi Gelir\" src=\"https:\/\/iyigelir.net\/fire-finansal-ozgurluk-ve-erken-emeklilik-nedir\/embed\/#?secret=mTFDKFTPD3#?secret=h8Sj1eCwdD\" data-secret=\"h8Sj1eCwdD\" 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\"><\/p>\n\n\n\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\"><\/p>\n\n\n\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\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Misyonunu &#8216;finans alan\u0131ndaki bilimsel y\u00f6ntemleri pratik uygulamalara d\u00f6n\u00fc\u015ft\u00fcrerek hem piyasa profesyonelleri hem de bireysel yat\u0131r\u0131mc\u0131lar i\u00e7in kullan\u0131\u015fl\u0131 ara\u00e7lar olu\u015fturmak ve yat\u0131r\u0131m kararlar\u0131na destek vermek&#8217; olarak tan\u0131mlayan <strong>iyi gelir platformu<\/strong> ile yeni tan\u0131\u015ft\u0131m. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prof. Serra Eren Sar\u0131o\u011flu, Dr. Nazl\u0131 Kalfa Ba\u015f, yaz\u0131l\u0131m uzman\u0131 \u00d6zg\u00fcr Akburu&#8217;nun \u00e7abalar\u0131yla olu\u015fturulan sitede \u00e7ok faydal\u0131 i\u00e7eriklere ula\u015fabilirsiniz. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bitirirken&#8230;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Ak\u0131lc\u0131 ve finans bilimine uygun olarak olu\u015fturulmu\u015f bir yat\u0131r\u0131m portf\u00f6y\u00fc, yak\u0131n takip ve istikrarl\u0131 eklemelerle sizi hedefinize ula\u015ft\u0131rabilir. \u015eansl\u0131y\u0131z ki, bu konularda bizlere yard\u0131mc\u0131 olabilecek \u00e7ok nitelikli insanlar var ve cep telefonumuzdan rahat\u00e7a ula\u015fabilece\u011fimiz i\u00e7erikleri bizlerle payla\u015fabiliyorlar. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evet, yat\u0131r\u0131m karar\u0131 vermeden \u00f6nce \u00e7ok d\u00fc\u015f\u00fcn\u00fcyorum. Verdi\u011fim kararlar\u0131n yanl\u0131\u015f olma olas\u0131l\u0131\u011f\u0131 nedeniyle, t\u00fcm portf\u00f6y\u00fc etkileyecek bir a\u011f\u0131rl\u0131\u011fa sahip olmas\u0131ndan endi\u015fe ediyorum, yat\u0131r\u0131mlar\u0131n baz\u0131lar\u0131n\u0131, zararl\u0131 pozisyonlar\u0131nda bile ta\u015f\u0131yabilmek i\u00e7in, d\u00fc\u015f\u00fck y\u00fczdelere b\u00f6lmeye \u00e7al\u0131\u015f\u0131yorum. \u0130deali bu mu? Elbette hay\u0131r! Se\u00e7im bu sat\u0131rlar\u0131n yazar\u0131n\u0131nd\u0131r, yat\u0131r\u0131m karar\u0131ndan dolay\u0131 \u00e7ok \u00fcz\u00fclen ve bu ay endeksin 6,5 kat\u0131 zarar eden sevgili arkada\u015f\u0131m, \u00f6n\u00fcm\u00fczdeki ay bu kayb\u0131 kapatacak m\u00fcthi\u015f bir getiriye de ula\u015fabilir. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m kararlar\u0131 ki\u015fiye \u00f6zg\u00fcd\u00fcr ve herkes i\u00e7in finansal tatmin, tasarruf s\u00fcrecinin farkl\u0131 bir katman\u0131nda olabilir. Bu durum, yat\u0131r\u0131m evreninin do\u011fas\u0131nda var. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015fe \u00f6nce kendinizi tan\u0131makla ba\u015flay\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>Uzun zamand\u0131r g\u00f6rmedi\u011fim, \u00e7ok sevdi\u011fim bir arkada\u015f\u0131mla sohbet etme f\u0131rsat\u0131m oldu bu hafta. Sohbet hayat\u0131n rutinlerine geldi, d\u00fcnyan\u0131n durumu, beklentiler, endi\u015feler&#8230; Tasarrufa gelmesi ka\u00e7\u0131n\u0131lmazd\u0131, hemen de geldi zaten&#8230; Arkada\u015f\u0131m\u0131n portf\u00f6y\u00fcn\u00fc&hellip;<\/p>\n","protected":false},"author":1,"featured_media":414,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[14,30],"class_list":["post-365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-bireysel-emeklilik","tag-portfoy"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/365","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=365"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/365\/revisions"}],"predecessor-version":[{"id":4173,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/365\/revisions\/4173"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/414"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=365"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=365"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=365"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}