Pazar kahvalt\u0131s\u0131ndaki en \u00f6nemli konu, b\u00fcy\u00fck o\u011flumun \u00fcniversite hedefleriydi ge\u00e7en hafta. Bu y\u0131l on birinci s\u0131n\u0131fta ve iki y\u0131l\u0131m\u0131z var. Okullar\u0131n \u2018online\u2019<\/strong> da olsa a\u00e7\u0131lmas\u0131na bir g\u00fcn vard\u0131 ve \u2018d\u00fc\u015f\u00fcnceleri\u2019<\/strong> konusunda bilgimi tazelemek istedim. <\/p>\n\n\n\n
\u00dcniversite e\u011fitimini \u00fclkemizdeki bir devlet \u00fcniversitesinde, yabanc\u0131 dilde e\u011fitim veren bir b\u00f6l\u00fcmde almay\u0131 planl\u0131yor. Zaman ne g\u00f6sterir elbette bilmiyoruz ancak, -olursa- y\u00fcksek lisans konusunda e\u015fimle biz, e\u011fitim maliyetlerinin daha kar\u015f\u0131lanabilir d\u00fczeyde oldu\u011fu Orta Avrupa \u00fclkelerinden birini d\u00fc\u015f\u00fcn\u00fcyoruz. O\u011flumuz da onayl\u0131yor. <\/p>\n\n\n\n
Yurt d\u0131\u015f\u0131nda e\u011fitim, \u015fimdiye dek yo\u011funla\u015ft\u0131\u011f\u0131m bir konu olmad\u0131, \u00f6\u011frenece\u011fim. Ancak net olan \u015fu ki, alt\u0131 y\u0131l sonras\u0131 i\u00e7in, iki y\u0131l\u0131 i\u00e7eren bir d\u00f6nemin tasarruf hamlelerini \u015fimdiden yapmak gerekiyor ve zihnimiz bizi \u015fu sorunun cevab\u0131na s\u00fcr\u00fckl\u00fcyor:<\/p>\n\n\n\n
Peki buna y\u00f6nelik finansal plan\u0131m\u0131z haz\u0131r m\u0131?<\/p>\n\n\n\n
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Planlama nedir?<\/strong><\/h4>\n\n\n\n
Planlaman\u0131n, tasarrufun say\u0131sal taraf\u0131 oldu\u011funu d\u00fc\u015f\u00fcnm\u00fc\u015ft\u00fcm ilk zamanlar. Ancak anlad\u0131m ki, \u00f6yle de\u011fil. Planlama zihinsel bir \u00f6n haz\u0131rl\u0131k<\/strong>. Tasarruf, zihnen tasarlad\u0131\u011f\u0131m\u0131z, mant\u0131\u011f\u0131m\u0131z \u00e7er\u00e7evesinde yap\u0131labilirli\u011fine inand\u0131\u011f\u0131m\u0131z ve i\u00e7tenlikle benimseyip, disiplinle devam etti\u011fimiz bir s\u00fcre\u00e7 olmal\u0131. Ki\u015fiye uygun olmayan, benimsenmemi\u015f ve sonucunda i\u00e7selle\u015fmemi\u015f hi\u00e7 bir plan, eyleme d\u00f6n\u00fc\u015femiyor,<\/strong> d\u00f6n\u00fc\u015fse bile uzun soluklu olam\u0131yor \u00e7\u00fcnk\u00fc.<\/p>\n\n\n\n
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Hangi ki\u015fisel \u00f6zelliklere sahibiz?<\/strong><\/h4>\n\n\n\n
Tasarruf plan\u0131n\u0131z, sizinle beraber yan yana y\u00fcr\u00fcyecek sakin bir yol arkada\u015f\u0131 m\u0131? Yoksa kay\u0131plar-kazan\u00e7lar-f\u0131rsatlarla bezeli bir aksiyon aray\u0131\u015f\u0131 m\u0131?<\/p>\n\n\n\n
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Bu sorular\u0131n cevab\u0131n\u0131 ki\u015fisel \u00f6zellikler belirler. Tasarruftaki ‘geli\u015ftirici’<\/strong> taraf, sadele\u015fen ya\u015fam tarz\u0131 ve t\u00fcketim kontrol\u00fcyle yarat\u0131lan de\u011feri, bizzat ya\u015famakt\u0131r. <\/strong> \u0130\u00e7selle\u015fme s\u00fcrecini g\u00fc\u00e7lendiren<\/strong> de budur. <\/p>\n\n\n\n
De\u011fer yaratma, tasarrufu yapan i\u00e7in; yeni bir stres kayna\u011f\u0131 olmamal\u0131 bana g\u00f6re. \u00c7\u00fcnk\u00fc sab\u0131r gerektiren bu zor s\u00fcrece bir de stres eklendi\u011finde, ba\u015far\u0131 \u015fans\u0131 azalabiliyor. Bu nedenle, ki\u015fiye ayna tutan<\/strong>, bireyin risk alg\u0131s\u0131n\u0131 tam yans\u0131tan bir plana odaklanmak en iyisi. Yanl\u0131\u015f se\u00e7imlerle i\u00e7sel motivasyonu zedeleyecek gerilimlere gerek yok.<\/p>\n\n\n\n
Y\u0131prat\u0131c\u0131 bir g\u00fcn\u00fcn ak\u015fam\u0131, tasarruf se\u00e7imlerinizden biri de\u011fer kaybedince gece t\u00fcm uykunuz ka\u00e7\u0131yorsa, plan\u0131 g\u00f6zden ge\u00e7irmenizde fayda olabilir. <\/p>\n\n\n\n
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Risk size ne ifade eder?<\/strong><\/h4>\n\n\n\n
Yat\u0131r\u0131m evreninde yer alan profesyonel sistemlerin ilk \u00f6l\u00e7t\u00fc\u011f\u00fc \u015fey, bence de do\u011fru bir yakla\u015f\u0131mla, ki\u015finin risk alg\u0131s\u0131d\u0131r. Zira risk, tasarruflar\u0131n\u0131z\u0131 artt\u0131rmak i\u00e7in elinizi uzatt\u0131\u011f\u0131n\u0131z her finansal se\u00e7enekte var. Az veya \u00e7ok oranda…<\/p>\n\n\n\n
Finansal \u00fcr\u00fcnler asl\u0131nda birbirine benzerler. Hepsi, belli ko\u015fullar dahilinde art\u0131\/eksi bir de\u011fer \u00fcretir. Potansiyelini inkar etmez, do\u011fas\u0131na uygun davran\u0131r<\/strong> ve b\u0131kmadan iki olas\u0131l\u0131\u011f\u0131 yans\u0131t\u0131r: kay\u0131p ve kazan\u00e7… <\/strong><\/p>\n\n\n\n
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Bu iki olas\u0131l\u0131\u011fa verdi\u011fimiz duygusal tepki, asl\u0131nda hangi risk seviyesine uygun oldu\u011fumuzu g\u00f6steren ipu\u00e7lar\u0131…<\/p>\n\n\n\n
G\u00fcn\u00fcm\u00fcz d\u00fcnyas\u0131nda yat\u0131r\u0131m i\u00e7in \u00e7ok fazla se\u00e7enek var ve hepsini kavramak m\u00fcmk\u00fcn de\u011fil. Fakat basit bir yakla\u015f\u0131mla, risk alg\u0131m\u0131z\u0131n ne oldu\u011funu sorgulay\u0131p, kendimize uygun se\u00e7ene\u011fi kolayl\u0131kla bulabiliriz.<\/p>\n\n\n\n
Yaz\u0131n\u0131n bitiminde, bir \u00e7ok risk profil anket \u00f6rne\u011fi var. Yat\u0131r\u0131mc\u0131 profilinizi saptarken, size basit yollarla yard\u0131mc\u0131 olabilen, yat\u0131r\u0131m se\u00e7imlerinizle ilgili ‘duygusal tepkinizi<\/strong>‘ sorgulaman\u0131z\u0131 sa\u011flayan, faydal\u0131 anketler bunlar. Zaman ay\u0131r\u0131n ve i\u00e7tenlikle cevaplay\u0131n. Size uyan bir yat\u0131r\u0131m portf\u00f6y\u00fc i\u00e7in g\u00fc\u00e7l\u00fc bir \u00f6n haz\u0131rl\u0131k<\/strong> yapm\u0131\u015f olacaks\u0131n\u0131z.<\/p>\n\n\n\n
Tasarruf eylemi ki\u015fisel ve bireyin ya\u015fam d\u00f6ng\u00fcs\u00fcne do\u011frudan ba\u011fl\u0131. Orta ya\u015fl\u0131 bir bireyin tasarruf plan\u0131yla, yirmili ya\u015flar\u0131n\u0131n ba\u015f\u0131ndaki bir bireyin plan\u0131n\u0131n farkl\u0131 olmas\u0131 \u00e7ok do\u011fal. Hedef b\u00fct\u00e7e i\u00e7in zaman bol oldu\u011funda, tasarrufa ayr\u0131lan ayl\u0131k b\u00fct\u00e7eyi de, al\u0131nmas\u0131 gereken riski de d\u00fc\u015f\u00fck tutmak m\u00fcmk\u00fcn. <\/p>\n\n\n\n
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Ancak k\u0131sa vadede y\u00fcksek bir birikime ula\u015fmak i\u00e7in, ayl\u0131k b\u00fct\u00e7enin y\u00fcksek olmas\u0131 yetmeyebiliyor, hedefe ula\u015fmak i\u00e7in agresif b\u00fcy\u00fcme de gerekiyor. Bu da bireyi y\u00fcksek getiri hedefine kar\u015f\u0131l\u0131k veren y\u00fcksek riskli \u00fcr\u00fcnlere g\u00f6t\u00fcrebiliyor. <\/p>\n\n\n\n
Yat\u0131r\u0131m portf\u00f6y\u00fcn\u00fcze ald\u0131\u011f\u0131n\u0131z finansal \u00fcr\u00fcnler, beklentinize, ki\u015filik \u00f6zelliklerinize ve risk anlay\u0131\u015f\u0131n\u0131za uygunsa, risk yelpazesinin her kademesindeki \u00fcr\u00fcn\u00fc d\u00fc\u015f\u00fcnebilirsiniz. Burada kritik nokta,<\/strong> kendinizi, duygular\u0131n\u0131z\u0131, karar mekanizmalar\u0131n\u0131z\u0131 iyi tan\u0131mak, piyasa geli\u015fmelerini tarafs\u0131z bir \u015fekilde analiz etmeye \u00e7al\u0131\u015f\u0131p, yat\u0131r\u0131m karar\u0131n\u0131z\u0131, piyasa ko\u015fullar\u0131na dayanabilme g\u00fcc\u00fcn\u00fcze<\/strong> g\u00f6re vermektir. <\/p>\n\n\n\n
Tasarruf yolculu\u011funda ba\u015far\u0131l\u0131 olabilmek i\u00e7in, ger\u00e7ek\u00e7i detaylar i\u00e7eren, istikrarl\u0131 bir birikim modeline sahip olmak kadar; duygu kontrol\u00fcyle b\u00fcy\u00fck resme odaklanabilen bir mizaca da<\/strong> ihtiya\u00e7 var. Tasarruf s\u00fcrecinin s\u00fcrd\u00fcr\u00fclebilirli\u011fi, plan\u0131n ger\u00e7ek\u00e7ili\u011fine ba\u011fl\u0131. <\/p>\n\n\n\n
Y\u00fcksek enflasyon ve sars\u0131c\u0131 kur riskleriyle ya\u015fayan bizim gibi toplumlarda uzun vadeli tasarruf yapman\u0131n ba\u015flang\u0131c\u0131na, matematik kurallara dayanan, g\u00fcvenilir \u00f6ng\u00f6r\u00fcler<\/strong> koymak gerekiyor. Do\u011fru tasarlanan bir planla yola \u00e7\u0131kman\u0131n, yolculuk devam ederken ufkumuzu a\u00e7mas\u0131, bizi geli\u015ftirip y\u00fcreklendirmesi, daha olas\u0131 \u00e7\u00fcnk\u00fc…<\/p>\n\n\n\n
\u015eansl\u0131y\u0131z ki, do\u011fru tasarruf plan\u0131 i\u00e7in, deneyimlerini bizlerle payla\u015fan pek \u00e7ok insana sahibiz. \u00dclkemizde, finansal okuryazarl\u0131k g\u00f6n\u00fcll\u00fcs\u00fc olan ve tasarruflar\u0131n\u0131 sermaye piyasalar\u0131nda de\u011ferlendirmeye yeni ba\u015flam\u0131\u015f yat\u0131r\u0131mc\u0131lara \u0131\u015f\u0131k tutan pek \u00e7ok profesyonel ve akademisyen var.<\/p>\n\n\n\n
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Webinar’lar yap\u0131yorlar, videolar \u00e7ekiyorlar, sosyal medya yoluyla yazd\u0131klar\u0131 kitaplar\u0131 \u00fccretsiz payla\u015f\u0131yorlar, dijital portf\u00f6y y\u00f6netimi ve robo dan\u0131\u015fmanl\u0131k gibi bilmedi\u011fimiz pek \u00e7ok kavram\u0131 cep telefonlar\u0131m\u0131za kadar getiriyor, finansal okuryazarl\u0131\u011f\u0131 ve finansal planlamaya giden yollar\u0131 ula\u015f\u0131labilir k\u0131lmaya \u00e7al\u0131\u015f\u0131yorlar. \u0130yi Gelir Platformu** gibi, FODER-Finansal Okuryazarl\u0131k Eri\u015fim Derne\u011fi gibi de\u011ferli olu\u015fumlar bunlar…<\/p>\n\n\n\n
Halen, bu olu\u015fumlardan birinin kurucusu olan Prof. Serra Eren Sar\u0131o\u011flu’nun kitab\u0131n\u0131 okuyorum. Kitap*** sayesinde, dijital portf\u00f6y y\u00f6netimi s\u00fcrecinin, geli\u015fmi\u015f piyasalarda ald\u0131\u011f\u0131 yolu g\u00f6rme \u015fans\u0131 buldum. Serra Han\u0131m ve ekip arkada\u015flar\u0131n\u0131n \u0130yi Gelir’de payla\u015ft\u0131klar\u0131 ‘Hedefli Yat\u0131r\u0131m Analizi<\/strong>‘ de, kitap i\u00e7eri\u011finde yer alan akademik saptamalar\u0131n uygulanabilir bi\u00e7imde<\/strong> bize sunulmas\u0131 asl\u0131nda. <\/p>\n\n\n\n
Sade bir aray\u00fcze sahip ve girdi\u011finiz verilere dayanarak tasarruf plan\u0131 olu\u015fturman\u0131z\u0131 destekleyen iyi bir dijital k\u0131lavuz <\/strong>niteli\u011finde. Kendi analizimde bunu kulland\u0131m. <\/p>\n\n\n\n
Alt\u0131 y\u0131l sonra, iki y\u0131l s\u00fcrecek bir y\u00fcksek lisans i\u00e7in birikime ihtiyac\u0131m var ve kendime g\u00f6re kur riskini de hesaba katarak bir hedef belirledim. Sonucu a\u015fa\u011f\u0131da. <\/p>\n\n\n\n
Siz de kendi de\u011ferlerinizi girerek, hedefe nas\u0131l bir matematikle gidebilece\u011finizi g\u00f6rebilirsiniz. <\/p>\n\n\n\n
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\u00d6n\u00fcm\u00fczdeki yaz\u0131larda, tasarruf yoluma \u0131\u015f\u0131k tutan, motivasyonumu artt\u0131ran; her \u00fcretimi ile yeni bir bilgi sahibi oldu\u011fum de\u011ferli insanlar\u0131n \u00e7abalar\u0131n\u0131 sizinle de payla\u015fmaya \u00e7al\u0131\u015faca\u011f\u0131m. Elimden geldi\u011fince…<\/p>\n\n\n\n
M\u00fcmk\u00fcn olursa, \u00fcreticisinin do\u011frudan iznini alarak. Bu noktada Serra Han\u0131m\u2019a te\u015fekk\u00fcr bor\u00e7luyum. <\/p>\n\n\n\n
\u00d6zellikle finansal okuryazarl\u0131\u011f\u0131n geli\u015fmesi i\u00e7in g\u00f6n\u00fcll\u00fc faaliyet g\u00f6steren o kadar yetkin insan, dernek ve platform var ki; hatta bu \u00e7al\u0131\u015fmalar\u0131 payla\u015fabilmek i\u00e7in can at\u0131yorum diyebilirim.<\/p>\n\n\n\n
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Bitirirken<\/strong><\/h4>\n\n\n\n
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Tasarruf kendimizi tan\u0131may\u0131, ihtiya\u00e7 ve hayallerimizi merkeze koymay\u0131, do\u011fru insanlardan al\u0131nan bilgilerle do\u011fru analiz yapmay\u0131, s\u00fcrd\u00fcr\u00fclebilir planlarla yola \u00e7\u0131kmay\u0131 gerektiren bir eylemler b\u00fct\u00fcn\u00fc.<\/strong><\/p>\n\n\n\n
Planlama s\u00fcrecindeki ‘duygu kontrol\u00fc<\/strong>‘ ise en kritik konu. \u0130\u00e7inde miza\u00e7, analiz, strateji ve sab\u0131r var. En d\u00fc\u015f\u00fck riskli fon da, en riskli hisse de bu \u015fekilde se\u00e7iliyor. <\/p>\n\n\n\n
Herkese uyan bir finansal plan olsayd\u0131, san\u0131r\u0131m hepimiz gider birer tane al\u0131rd\u0131k. Ancak \u00f6yle bir \u015fey yok. Kimse en d\u00fc\u015f\u00fckten al\u0131p en y\u00fcksekten satam\u0131yor ; varsa da onlardan biri olamayaca\u011f\u0131m kesin… Risk alg\u0131m\u0131za uygun ve matematik ger\u00e7e\u011fe dayanan bir planla yola \u00e7\u0131k\u0131p ona ba\u011fl\u0131 kalmak, san\u0131r\u0131m izleyebilece\u011fimiz en g\u00fcvenli yol…<\/p>\n\n\n\n
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Sonu\u00e7ta, hi\u00e7 bir \u015fey sa\u011fl\u0131kla ya\u015fanan bir hayattan daha k\u0131ymetli de\u011fil. Tasarrufu da, o hayat\u0131 daha iyi hale getirmek i\u00e7in, hayat\u0131 atlamadan yapmak<\/strong>, planlamak, benimsemek, sahiplenmek laz\u0131m. Sonu\u00e7 kendili\u011finden geliyor.<\/p>\n\n\n\n
\u00c7ok sevdi\u011fim bir markan\u0131n, \u00e7ok sevdi\u011fim bir c\u00fcmlesi var. Slogan\u0131 hatta…<\/p>\n\n\n\n
Her g\u00f6z\u00fcme \u00e7arpt\u0131\u011f\u0131nda, bir an durup d\u00fc\u015f\u00fcnmeme neden olan, karma\u015faya mola verdirip, kendime getiren bir c\u00fcmle bu. Zaman akarken hayata tutunmak, ya\u015fad\u0131\u011f\u0131m\u0131z ‘an’<\/strong>lar\u0131n tad\u0131na var\u0131p \u00fcretmek, payla\u015fmak ve de\u011fer katmak gerekiyor. Hayat\u0131n ‘kendisini’ <\/strong>\u0131skalamadan! <\/p>\n\n\n\n
Bu y\u00fczden bu haftaki yaz\u0131m\u0131, o \u00e7ok sevdi\u011fim c\u00fcmleyle bitirmek istiyorum ve sizi de her daim g\u00fcl\u00fcmsetmesini diliyorum: <\/p>\n\n\n\n
Hayat en g\u00fczel hediye!<\/strong><\/p>\n\n\n\n
Sa\u011fl\u0131kla kal\u0131n…<\/p>\n\n\n\n
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***Yararlan\u0131lan kaynaklar<\/strong>: Prof. Dr. Serra Eren Sar\u0131o\u011flu : Portf\u00f6y Y\u00f6netiminde Yeni Yakla\u015f\u0131mlar – Dijital Portf\u00f6y Y\u00f6netimi ve Robo Dan\u0131\u015fmanl\u0131k – Nisan Yay\u0131nlar\u0131\/Eski\u015fehir\/2018<\/h5>\n\n\n\n
Pazar kahvalt\u0131s\u0131ndaki en \u00f6nemli konu, b\u00fcy\u00fck o\u011flumun \u00fcniversite hedefleriydi ge\u00e7en hafta. Bu y\u0131l on birinci s\u0131n\u0131fta ve iki y\u0131l\u0131m\u0131z var. Okullar\u0131n \u2018online\u2019 da olsa a\u00e7\u0131lmas\u0131na bir g\u00fcn vard\u0131 ve \u2018d\u00fc\u015f\u00fcnceleri\u2019…<\/p>\n","protected":false},"author":1,"featured_media":773,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[15,27,29,34,36],"class_list":["post-545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-birikim","tag-insanvehayat","tag-planlama","tag-tasarruf","tag-yatirim"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/545","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=545"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/545\/revisions"}],"predecessor-version":[{"id":4170,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/545\/revisions\/4170"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/773"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=545"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=545"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=545"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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