{"id":4113,"date":"2023-12-11T12:07:52","date_gmt":"2023-12-11T11:07:52","guid":{"rendered":"https:\/\/konto-kredit-vergleich.de\/?p=4113"},"modified":"2024-07-22T23:34:51","modified_gmt":"2024-07-22T21:34:51","slug":"tipps-zu-deiner-rente","status":"publish","type":"post","link":"https:\/\/konto-kredit-vergleich.de\/tr\/emekli-maasiniza-ipuclari\/","title":{"rendered":"Emekli maa\u015f\u0131n\u0131z i\u00e7in ipu\u00e7lar\u0131"},"content":{"rendered":"<p>Neden yar\u0131n\u0131 bug\u00fcnden d\u00fc\u015f\u00fcnmelisiniz ve ya\u015fl\u0131l\u0131\u011f\u0131n\u0131z i\u00e7in m\u00fcmk\u00fcn olan en iyi haz\u0131rl\u0131\u011f\u0131 nas\u0131l yapabilirsiniz? Emeklilik i\u00e7in d\u00f6rt ipucumu a\u00e7\u0131kl\u0131yorum. Emeklilik planlamas\u0131 yaparken s\u0131kl\u0131kla hangi hatalar yap\u0131l\u0131yor? Makale bu soruya da yan\u0131t veriyor. <\/p>\n\n\n\n<p>Toplumumuzdaki yayg\u0131n bir yanl\u0131\u015f kan\u0131, bir\u00e7ok insan\u0131n ya\u015fl\u0131l\u0131k i\u00e7in haz\u0131rl\u0131k yapmak i\u00e7in hala bolca zaman\u0131 oldu\u011funa inanmas\u0131d\u0131r. Gelece\u011finiz i\u00e7in neden bug\u00fcnden do\u011fru rotay\u0131 belirlemelisiniz? <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"426\" src=\"https:\/\/konto-kredit-vergleich.de\/wp-content\/uploads\/2019\/10\/Kinder_Erfolg_Kontowechsel.jpg\" alt=\"Ya\u015fl\u0131l\u0131k yard\u0131m\u0131 i\u00e7in yeterince erken ba\u015flayamazs\u0131n\u0131z ;)\" class=\"wp-image-2323\" srcset=\"https:\/\/konto-kredit-vergleich.de\/wp-content\/uploads\/2019\/10\/Kinder_Erfolg_Kontowechsel.jpg 640w, https:\/\/konto-kredit-vergleich.de\/wp-content\/uploads\/2019\/10\/Kinder_Erfolg_Kontowechsel-300x200.jpg 300w, https:\/\/konto-kredit-vergleich.de\/wp-content\/uploads\/2019\/10\/Kinder_Erfolg_Kontowechsel-272x182.jpg 272w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption>Emeklilik haz\u0131rl\u0131klar\u0131na yeterince erken ba\u015flayamazs\u0131n\u0131z \ud83d\ude09<\/figcaption><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Almanya'da azalan emeklilik seviyesi<\/h2>\n\n\n\n<p>Ne yaz\u0131k ki, \u015fu anda ya da gelecekte emeklilik \u00e7a\u011f\u0131nda olan pek \u00e7ok ki\u015finin durumu genellikle pek i\u00e7 a\u00e7\u0131c\u0131 de\u011fildir. \u00c7o\u011fu zaman sorunun nedeni y\u0131llar ya da on y\u0131llar \u00f6ncesine dayanmaktad\u0131r: ya\u015fl\u0131l\u0131k i\u00e7in yeterli finansal planlama hi\u00e7 yap\u0131lmam\u0131\u015ft\u0131r. Uzun y\u0131llar boyunca kazan\u0131lan para basit\u00e7e \u00e7ar\u00e7ur edilmi\u015ftir. Devlet emeklilik maa\u015f\u0131 seviyesi son birka\u00e7 y\u0131ld\u0131r s\u00fcrekli d\u00fc\u015ft\u00fc\u011f\u00fc i\u00e7in (tabloya bak\u0131n\u0131z), ya\u015fl\u0131l\u0131k g\u00fcvencesi konusu patlay\u0131c\u0131 olmaya devam etmektedir.<\/p>\n\n\n<div class=\"visualizer-front-container\" id=\"chart_wrapper_visualizer-1822-2107202113\"><style type=\"text\/css\" name=\"visualizer-custom-css\" id=\"customcss-visualizer-1822\">.locker,.locker-loader{position:absolute;top:0;left:0;width:100%;height:100%}.locker{z-index:1000;opacity:.8;background-color:#fff;-ms-filter:\"progid:DXImageTransform.Microsoft.Alpha(Opacity=80)\";filter:alpha(opacity=80)}.locker-loader{z-index:1001;background:url(https:\/\/konto-kredit-vergleich.de\/wp-content\/plugins\/visualizer\/images\/ajax-loader.gif) no-repeat center center}.dt-button{display:none!important}.visualizer-front-container.visualizer-lazy-render{content-visibility: auto;}.google-visualization-controls-categoryfilter label.google-visualization-controls-label {vertical-align: middle;}.google-visualization-controls-categoryfilter li.goog-inline-block {margin: 0 0.2em;}.google-visualization-controls-categoryfilter li {padding: 0 0.2em;}.visualizer-front-container .dataTables_scrollHeadInner{margin: 0 auto;}<\/style><div id=\"visualizer-1822-2107202113\" class=\"visualizer-front  visualizer-front-1822\"><\/div><!-- Not showing structured data for chart 1822 because description is empty --><\/div>\n\n\n<p class=\"has-text-align-center has-small-font-size\"> Grafik: Almanya'daki emeklilik seviyesi, standart emekli maa\u015f\u0131n\u0131n ortalama kazanca oran\u0131 olarak ifade edilmi\u015ftir. G\u00f6rselle\u015ftirme:  <a href=\"https:\/\/konto-kredit-vergleich.de\/tr\/\">Konto-Kredit-Vergleich.de<\/a> | Veri kayna\u011f\u0131: <a rel=\"noreferrer noopener\" href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/DE\/Rente\/Allgemeine-Informationen\/Wissenswertes-zur-Rente\/FAQs\/Rente\/Rentenniveau\/Rentenniveau_Liste.html\" target=\"_blank\">Alman Emeklilik Sigortas\u0131<\/a> <\/p>\n\n\n\n<p>\u00d6n\u00fcm\u00fczdeki emeklilik d\u00f6nemine ili\u015fkin karamsar tablonun belirleyici unsurlar\u0131, yasal emeklilik seviyesinin d\u00fc\u015fmesi ve bir\u00e7ok ki\u015finin bu orant\u0131s\u0131zl\u0131\u011f\u0131 kendi kar\u015f\u0131l\u0131klar\u0131n\u0131 ay\u0131rarak telafi etmemesidir.  Bir ara\u015ft\u0131rmaya g\u00f6re <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/de\/Documents\/human-capital\/Deloitte-bAV-Studie_safe.pdf\" target=\"_blank\" rel=\"noopener\">Deloitte taraf\u0131ndan yap\u0131lan \u00e7al\u0131\u015fma <\/a>2017'den itibaren Almanlar\u0131n 20 %'si \u00f6zel olarak kendi ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamamaktad\u0131r ve 39 %'si de sadece cari, vadesiz veya vadeli mevduat hesab\u0131 ile kendi ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamaktad\u0131r. Bu da d\u00fc\u015f\u00fck faiz oranlar\u0131 nedeniyle yeterli olmaktan uzakt\u0131r. Sonu\u00e7ta, bile\u015fik faiz etkisi sermaye birikiminin \u00f6nemli bir aya\u011f\u0131d\u0131r. Bu nedenle, ara\u015ft\u0131rmaya g\u00f6re Alman n\u00fcfusunun yakla\u015f\u0131k 61 %'sinin ya\u015fl\u0131l\u0131kta yoksulluk tehdidi alt\u0131nda hissetmesi \u015fa\u015f\u0131rt\u0131c\u0131 de\u011fildir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Emeklilik ipu\u00e7lar\u0131: \u0130yi planlanm\u0131\u015f i\u015f yar\u0131m kal\u0131r<\/h2>\n\n\n\n<p>Bununla birlikte, do\u011fru planlama yap\u0131ld\u0131\u011f\u0131nda, ortalama bir Alman maa\u015f\u0131yla bile g\u00fcn bat\u0131m\u0131nda \u00fcst\u00fc a\u00e7\u0131k bir araba s\u00fcrerek klasik romantik emeklilikler bile m\u00fcmk\u00fcnd\u00fcr.<br><br>Peki emeklilik planlamas\u0131 bir\u00e7ok ki\u015fi i\u00e7in neden bu kadar zor bir konudur ve y\u0131llarca ele al\u0131nmaz? <strong>Bunun nedeni bilgi eksikli\u011fi olamaz.<\/strong>. Emeklilik sigortas\u0131, \u00e7al\u0131\u015fanlar\u0131 daha sonra hak kazanacaklar\u0131 yard\u0131mlar hakk\u0131nda y\u0131ll\u0131k olarak bilgilendirir. Gelecekteki benli\u011fimiz bizim i\u00e7in yeterince \u00f6nemli de\u011fil mi?<br><br>Kan\u0131mca ya\u015fl\u0131l\u0131k g\u00fcvencesi konusunda a\u015fmam\u0131z gereken en b\u00fcy\u00fck engellerden biri, emeklilik ya\u015f\u0131na kadar ge\u00e7en s\u00fcrenin do\u011fru bir \u015fekilde de\u011ferlendirilmesidir. Kural olarak, emeklili\u011fe kadar uzun y\u0131llar, hatta on y\u0131llar ge\u00e7mesi gerekiyor. <\/p>\n\n\n\n<p>Emeklilik, akl\u0131m\u0131zla tam olarak kavrayamad\u0131\u011f\u0131m\u0131z ve idrak edemedi\u011fimiz soyut bir olay haline gelir. Mevcut ihtiya\u00e7lar\u0131m\u0131z\u0131 gelecekteki ihtiya\u00e7lar\u0131m\u0131z\u0131n \u00f6n\u00fcne koyma e\u011filimindeyiz. Evrimsel olarak bu mant\u0131kl\u0131d\u0131r. Milyonlarca y\u0131l boyunca genetik kodumuz \u00f6ncelikle akut tehlikelerden ka\u00e7maya ve atalar\u0131m\u0131z\u0131n akut ihtiya\u00e7lar\u0131n\u0131 (a\u00e7l\u0131k, susuzluk, ba\u015f\u0131m\u0131z\u0131 sokacak bir yer) kar\u015f\u0131lamaya programlanm\u0131\u015ft\u0131. Aksi takdirde hayatta kalmak m\u00fcmk\u00fcn olmazd\u0131.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Emeklilikle ilgili ipu\u00e7lar\u0131: \u015eok durumuna d\u00fc\u015fmeyin<\/h2>\n\n\n\n<p>Ya\u0122l\u0131l\u0131k yard\u0131m\u0131 alan\u0131ndaki bir di\u011fer zorluk da ya\u0122l\u0131l\u0131k yard\u0131m\u0131 \u00fcr\u00fcnlerinin \u00e7oklu\u011fu ve karma\u0122\u0131kl\u0131\u011f\u0131d\u0131r. Bu karma\u015f\u0131kl\u0131k bir\u00e7ok insan aras\u0131nda bir t\u00fcr endi\u015feye neden olmaktad\u0131r. Sonu\u00e7 olarak insanlar \"\u015fok felcine\" girmekte ve bunun sonucunda ya\u015fl\u0131l\u0131k yard\u0131m\u0131 konusuyla art\u0131k hi\u00e7 ilgilenmemektedirler. Ancak, bunun kendilerini otomatik olarak kaybeden tarafa koydu\u011funun fark\u0131nda de\u011filler. \u00c7\u00fcnk\u00fc hareketsiz ge\u00e7en her y\u0131l, bile\u015fik faizin kaybedildi\u011fi bir y\u0131ld\u0131r.<br><br>Almanya'da mali a\u00e7\u0131dan kendi kendini ge\u00e7indirme son reformlarla kolayla\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r. Bunlar aras\u0131nda \u00f6rne\u011fin Riester ve R\u00fcrup emekliliklerinin yan\u0131 s\u0131ra devletin vergi indirimi yoluyla destekledi\u011fi mesleki emeklilik h\u00fck\u00fcmleri de yer almaktad\u0131r. Bu nedenle, yasal emeklili\u011fi tamamlaman\u0131n basit bir yolu, i\u015fverenle ek bir mesleki emeklilik hakk\u0131nda konu\u015fmakt\u0131r. Mesleki emeklili\u011fin \u00e7e\u015fitli bi\u00e7imleri vard\u0131r: tek seferlik bir \u00f6deme ile do\u011frudan bir taahh\u00fctten birka\u00e7 y\u0131la yay\u0131lm\u0131\u015f bir emeklilik \u00f6demesine kadar bir\u00e7ok \u015fey m\u00fcmk\u00fcnd\u00fcr. Neden i\u015fvereninize bunu sormuyorsunuz?<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Emeklilik ipu\u00e7lar\u0131: Emeklilik planlar\u0131n\u0131 kullan\u0131n<\/h2>\n\n\n\n<p><br>Mesleki emeklilik planlar\u0131 gibi emeklilik planlar\u0131 genellikle ya\u015fl\u0131l\u0131k g\u00fcvencesi konusunda kutuyu i\u015faretlemenin iyi bir yoludur. \u00c7\u00fcnk\u00fc: Bir kez kurulduktan sonra planlar her ay i\u015flemeye devam eder. MSCI World gibi geni\u015f \u00e7e\u015fitlendirilmi\u015f endeks fonlar\u0131ndaki ETF tasarruf planlar\u0131 da benzer \u015fekilde \u00e7al\u0131\u015f\u0131r. Uygun bir saklama hesab\u0131 ve ilgili ETF'leri se\u00e7tikten sonra, ayl\u0131k sermaye birikimi kendili\u011finden \u00e7al\u0131\u015f\u0131r. Teknoloji merakl\u0131lar\u0131 i\u00e7in bir ba\u015fka alternatif de <a href=\"https:\/\/konto-kredit-vergleich.de\/2018\/12\/29\/robo-advisor-vergleich\/\">Robo-Dan\u0131\u015fman<\/a> Burada. Burada da ya\u015fl\u0131l\u0131k sigortas\u0131 konusunda uzmanla\u015fm\u0131\u015f robo-dan\u0131\u015fmanlar var. T\u00fcm se\u00e7eneklerde en \u00f6nemli fakt\u00f6r, se\u00e7ti\u011finiz nihai \u00fcr\u00fcn de\u011fil, uzun y\u0131llar boyunca d\u00fczenli olarak tasarruf etmenizdir. Bu \u015fekilde, k\u00fc\u00e7\u00fck miktarlardaki paralar bile bile\u015fik faiz etkisiyle b\u00fcy\u00fck varl\u0131klara d\u00f6n\u00fc\u015febilir.<\/p>\n\n\n\n<p><a href=\"https:\/\/konto-kredit-vergleich.de\/depot-vergleich\/\">&gt;&gt;En iyi ve en ucuz saklama hesaplar\u0131n\u0131 burada kar\u015f\u0131la\u015ft\u0131r\u0131n&lt;&lt;<\/a><br><br>Emeklili\u011finizi planlaman\u0131n finansal gelece\u011finiz \u00fczerinde \u00e7ok b\u00fcy\u00fck bir etkisi vard\u0131r. \u00dcstesinden gelinmesi gereken zorluklar b\u00fcy\u00fck oldu\u011fundan, emeklilik planlamas\u0131 konusuna a\u00e7\u0131kl\u0131k ve basitlik getiren her \u015fey b\u00fcy\u00fck fayda sa\u011flar. Bu nedenle, Tenerife \u00fczerinde \u00fcst\u00fc a\u00e7\u0131k arabalarla gezintilerle tamamlanan rahat bir emeklilik ya\u015fam\u0131na dair b\u00fcy\u00fck vizyonunuzu daha olas\u0131 hale getirmek i\u00e7in zaman ay\u0131r\u0131n.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"448\" src=\"https:\/\/konto-kredit-vergleich.de\/wp-content\/uploads\/2019\/02\/Cabrio_MG.jpg\" alt=\"Emekli maa\u015f\u0131n\u0131z i\u00e7in ipu\u00e7lar\u0131n\u0131 takip ederseniz, daha sonra k\u0131rm\u0131z\u0131 bir \u00fcst\u00fc a\u00e7\u0131k araba alman\u0131z\u0131 engelleyecek hi\u00e7bir \u015fey yoktur.\" class=\"wp-image-1837\" srcset=\"https:\/\/konto-kredit-vergleich.de\/wp-content\/uploads\/2019\/02\/Cabrio_MG.jpg 640w, https:\/\/konto-kredit-vergleich.de\/wp-content\/uploads\/2019\/02\/Cabrio_MG-300x210.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption>Do\u011fru planlaman\u0131z ko\u015fuluyla, emeklilikte \u00fcst\u00fc a\u00e7\u0131k bir araba kullanmak mali a\u00e7\u0131dan bir sorun te\u015fkil etmez. | Resim kayna\u011f\u0131: Pixabay.com. Kullan\u0131c\u0131: <a href=\"https:\/\/pixabay.com\/de\/users\/designer-kottayam-7874104\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Tasar\u0131mc\u0131 Kottayam (yeni sekmede a\u00e7\u0131l\u0131r)\">Tasar\u0131mc\u0131 Kottayam<\/a><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Tipps zur Rentenplanung und Altersvorsorge\">Emeklilik ipu\u00e7lar\u0131: #Do<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Fona 45 y\u0131ldan fazla emeklilik primi \u00f6dediyseniz 63 ya\u015f\u0131nda emekli olabilirsiniz.<\/strong><br>Almanya'da Temmuz 2014'ten bu yana, en az 45 y\u0131l boyunca emeklilik sistemine \u00f6deme yapm\u0131\u015f olan ki\u015filer, kesinti olmaks\u0131z\u0131n emekli maa\u015f\u0131 almaya hak kazanm\u0131\u015ft\u0131r. Yasa kabul edilmeden \u00f6nce, standart ya\u015f s\u0131n\u0131r\u0131ndan \u00f6nce emekli olan ki\u015filer yakla\u015f\u0131k y\u00fczde 0,3 oran\u0131nda bir kesinti \u00f6demek zorundayd\u0131 (<a rel=\"noreferrer noopener\" aria-label=\"Kaynak (yeni sekmede a\u00e7\u0131l\u0131r)\" href=\"https:\/\/www.bmas.de\/DE\/Themen\/Rente\/Gesetzliche-Rentenversicherung\/rente-ab-63-art.html\" target=\"_blank\">Kaynak<\/a>) emekli maa\u015f\u0131nda kabul edilmelidir. <\/li><li><strong>Almanya'da yabanc\u0131 emeklilik katk\u0131 paylar\u0131n\u0131 almak<\/strong><br>Ge\u00e7ici olarak yurtd\u0131\u015f\u0131nda \u00e7al\u0131\u015f\u0131p Almanya'da emekli olan Alman vatanda\u015flar\u0131, emeklilik haklar\u0131n\u0131 Almanya'daki hesaplar\u0131na aktarabilirler. Bunun tersi de ge\u00e7erlidir: Alman emekli sand\u0131\u011f\u0131, emeklilik haklar\u0131n\u0131 yeni ikamet edilen \u00fclkeye aktarabilir.<\/li><li><strong>Bir emeklilik plan\u0131 olu\u015fturun<\/strong><br>Ya\u015fl\u0131l\u0131k g\u00fcvencesiyle ilgili mali sorular\u0131n \u00e7o\u011fu, sa\u011flam bir mali planla otomatik olarak yan\u0131tlan\u0131r. Bu plan, \u00f6rne\u011fin gerekli sigortalar veya planlanan yat\u0131r\u0131mlar ve di\u011fer unsurlar da dahil olmak \u00fczere ayl\u0131k gelir ve giderlerinizi dikkate al\u0131r. Profesyonel bir finansal planlamac\u0131, plandaki bo\u015fluklar\u0131 tespit edebilir ve fazla zaman kaybetmeden sizi finansal a\u00e7\u0131dan do\u011fru y\u00f6ne y\u00f6nlendirebilir. Alternatif olarak, elbette bir Excel sayfas\u0131 ile kendi ba\u015f\u0131n\u0131za \u00e7al\u0131\u015fmaya ba\u015flayabilirsiniz. Bir\u00e7ok banka, \u00f6rne\u011fin <a rel=\"noreferrer noopener\" href=\"https:\/\/Konto-kredit-vergleich.de\/n26\" target=\"_blank\">N26*<\/a>T\u00fcm gelir ve harcamalar kategorilere atanabildi\u011finden, veri d\u0131\u015fa aktarma i\u015flevi burada hayat\u0131 kolayla\u015ft\u0131r\u0131r. Verilerin Excel'e aktar\u0131lmas\u0131, daha fazla hesaplama yapmay\u0131 ve kaydedilmemi\u015f \u00f6deme ak\u0131\u015flar\u0131n\u0131 tamamlamay\u0131 kolayla\u015ft\u0131r\u0131r.<\/li><li><strong>E\u015finizle emeklilik hakk\u0131nda konu\u015fun<\/strong><br>Bir\u00e7ok ortakl\u0131kta para ve mali durum hala \u00e7ok az konu\u015fulan tabu bir konudur. Bu nedenle yayg\u0131n bir hata, ya\u015fl\u0131l\u0131k g\u00fcvencesi konusunu \"di\u011fer yar\u0131\" ile tart\u0131\u015fmamakt\u0131r. \u00c7iftlerin yapt\u0131\u011f\u0131 yayg\u0131n bir hata da emeklilik maa\u015flar\u0131n\u0131n g\u00fcnl\u00fck ya\u015famlar\u0131 \u00fczerindeki etkisini do\u011fru de\u011ferlendirmektir. Bu konu hakk\u0131nda d\u00fczenli olarak konu\u015fmak netlik sa\u011flar ve sorunlar\u0131 erkenden ke\u015ffetmeye ve ortak bir resim geli\u015ftirmeye yard\u0131mc\u0131 olur. \u00d6rne\u011fin, bu \"para konu\u015fmalar\u0131\" karar vermek i\u00e7in kullan\u0131labilir: Aile varl\u0131klar\u0131n\u0131n kime miras kalaca\u011f\u0131 ya da emeklilik b\u00fct\u00e7esi i\u00e7inde kalmak i\u00e7in gelecekteki ayl\u0131k harcamalar\u0131n ne kadar y\u00fcksek olabilece\u011fi gibi. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"H\u00e4ufige Fehler bei der Rentenplanung\">Emeklilik \u0130pu\u00e7lar\u0131: 1TP17Yapmay\u0131n<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Bekledi\u011finiz ihtiya\u00e7lar konusunda ger\u00e7ek\u00e7i olmay\u0131n<\/strong><br>Genel bir kural, emeklilik a\u015famas\u0131nda \u00f6nceki harcanabilir gelirinizin yakla\u015f\u0131k 80 %'sine sahip olman\u0131z gerekti\u011fidir. B\u00fct\u00e7e defteri tutarak harcamalar\u0131n\u0131z\u0131 daha iyi bildi\u011finiz i\u00e7in daha iyi verilere mi sahipsiniz? Daha da iyisi, o zaman buna geri d\u00f6n\u00fcn. Ancak, bir g\u00fcvenlik tamponunu da unutmay\u0131n. <\/li><li><strong>Ya\u015fl\u0131l\u0131k yard\u0131m\u0131na \u00e7ok ge\u00e7 ba\u015flamay\u0131n<\/strong><br>Yayg\u0131n bir yan\u0131lg\u0131, emeklilik i\u00e7in birikim yapmak i\u00e7in hala bolca zaman oldu\u011fu y\u00f6n\u00fcndedir. Birikim yapmaya ba\u015flamak i\u00e7in do\u011fru zaman d\u00fcnd\u00fc, ikinci en iyi zaman ise bu makaleyi okumay\u0131 bitirdikten sonras\u0131d\u0131r.  En iyi zaman <a href=\"https:\/\/konto-kredit-vergleich.de\/zinseszins-rechner\/\" data-type=\"2222\">Bile\u015fik faiz <\/a>d\u00fczg\u00fcn \u00e7al\u0131\u015fmas\u0131 i\u00e7in uzun y\u0131llar gerekir. Ayr\u0131ca, erken ba\u015flamak size farkl\u0131 yakla\u015f\u0131mlar\u0131 denemek ve sizin i\u00e7in do\u011fru yolu bulmak i\u00e7in biraz zaman verir.  <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\"Emekli maa\u015f\u0131n\u0131zla ilgili ipu\u00e7lar\u0131\" Smartbroker ve N26 taraf\u0131ndan desteklenmektedir. - \u2764\ufe0fDanke deste\u011finiz i\u00e7in \u2764\ufe0f<\/h2>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\">Bu katk\u0131 a\u015fa\u011f\u0131dakilerden kaynaklanmaktad\u0131r <a href=\"https:\/\/Konto-kredit-vergleich.de\/smartbroker\" target=\"_blank\" rel=\"noopener\">Smartbroker<\/a>* Sponsorlu. Komisyoncu \u015fu anda #1 benim <a href=\"https:\/\/konto-kredit-vergleich.de\/depotvergleich\/\">Depo kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/a> ve ko\u015fullar\u0131n\u0131 yeniden iyile\u015ftirmi\u015ftir. Gettex'teki t\u00fcm menkul k\u0131ymetler ve Morgan Stanley, HSBC ve Vontobel'deki t\u00fcm t\u00fcrevler emir ba\u015f\u0131na 0,00 EUR kar\u015f\u0131l\u0131\u011f\u0131nda al\u0131n\u0131p sat\u0131labilir. Bu, Almanya'da tam te\u015fekk\u00fcll\u00fc bir masa\u00fcst\u00fc aray\u00fcz\u00fc sunan ilk \u00fccretsiz brokerdir. Daha ilgin\u00e7 menkul k\u0131ymet hesaplar\u0131n\u0131 \u015furada bulabilirsiniz <a href=\"https:\/\/konto-kredit-vergleich.de\/depotvergleich\/\">Depo kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/a>. E\u011fer 0,75 % ekstra temett\u00fc toplayabilece\u011finiz dahiyane para yat\u0131rma modelim hakk\u0131nda daha fazla bilgi edinmek istiyorsan\u0131z, <a href=\"https:\/\/konto-kredit-vergleich.de\/mein-depotmodell-pramien-statt-gebuhren\/\">Bu \u015fekilde t\u0131klay\u0131n.<\/a><\/p>\n\n\n\n<p>>><a href=\"https:\/\/Konto-kredit-vergleich.de\/smartbroker\" target=\"_blank\" rel=\"noopener\">Konto-Kredit-Vergleich.de'yi destekleyin: Depo kar\u015f\u0131la\u015ft\u0131rmas\u0131nda #1'e<\/a>&lt;&lt;<\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\">N26 hesab\u0131 i\u00e7in yeni bir inceleme yazd\u0131m. N26 <a href=\"https:\/\/konto-kredit-vergleich.de\/tr\/serbest-cari-hesap-asgari-makbuzsuz-2\/\">Girokonto<\/a> N26 Girokonto tamamen ak\u0131ll\u0131 telefon tabanl\u0131d\u0131r. Maestro ve kredi kart\u0131 dahil ayl\u0131k 0 EUR nakit giri\u015finden itibaren \u00fccretsiz hesap y\u00f6netimi verilmektedir. N26 ile harcamalar\u0131n\u0131z\u0131 kontrol alt\u0131nda tutman\u0131za yard\u0131mc\u0131 olan ve kullan\u0131m\u0131 e\u011flenceli olan iyi bir hesaba sahip olursunuz.<\/p>\n\n\n\n<p>>> <a href=\"https:\/\/konto-kredit-vergleich.de\/n26-konto-testbericht\/\">N26 hesab\u0131ndaki test raporunun tamam\u0131n\u0131 burada bulabilirsiniz<\/a> &lt;&lt;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Yararl\u0131 ba\u011flant\u0131lar - Daha fazla bilgi<\/h2>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/konto-kredit-vergleich.de\/tagesgeld-vergleich\/\" target=\"_blank\">&gt;&gt; Birka\u00e7 faiz oran\u0131 daha ister misiniz? &lt;&lt; \u00c7a\u011fr\u0131 paras\u0131 kar\u015f\u0131la\u015ft\u0131rmas\u0131na<br><\/a><a href=\"https:\/\/konto-kredit-vergleich.de\/depot-vergleich\/\">&gt;&gt; Her t\u00fcr yat\u0131r\u0131m i\u00e7in saklama hesaplar\u0131 &lt;&lt; Saklama hesab\u0131 kar\u015f\u0131la\u015ft\u0131rmas\u0131 i\u00e7in<\/a><br><a rel=\"noreferrer noopener\" aria-label=\"&gt;&gt; Aktif veya pasif ETF&#039;ler &lt;&lt; Benim g\u00f6r\u00fc\u015f\u00fcm (yeni sekmede a\u00e7\u0131l\u0131r)\" href=\"https:\/\/konto-kredit-vergleich.de\/aktive-oder-passiv-gemanagte-fonds\/\" target=\"_blank\">&gt;&gt; Aktif veya pasif y\u00f6netimli fonlar &lt;&lt; Benim g\u00f6r\u00fc\u015f\u00fcm<\/a><\/p>\n\n\n\n<p>Daha fazla katk\u0131y\u0131 ka\u00e7\u0131rmak istemiyorsan\u0131z, o zaman sadece&nbsp;<a href=\"https:\/\/grossmutters-sparstrumpf.de\/newsletter\/\" target=\"_blank\" rel=\"noopener\">Haber B\u00fclteni<\/a>! Bu \u015fekilde her yeni g\u00f6nderi \u00e7\u0131kt\u0131\u011f\u0131nda haberdar olacaks\u0131n\u0131z!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-luminous-dusk-gradient-background has-background\" href=\"https:\/\/konto-kredit-vergleich.de\/robo-advisor-vergleich\/\" title=\"Robo Dan\u0131\u015fman Kar\u015f\u0131la\u015ft\u0131rmas\u0131\"><strong>Robo dan\u0131\u015fmanlar yeni ba\u015flayanlar i\u00e7in h\u0131zl\u0131 yard\u0131m anlam\u0131na gelebilir<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-luminous-dusk-gradient-background has-background\" href=\"https:\/\/konto-kredit-vergleich.de\/depotvergleich\/\" title=\"Depo kar\u015f\u0131la\u015ft\u0131rmas\u0131: 01\/2020\"><strong>Menkul k\u0131ymetler hesab\u0131n\u0131z i\u00e7in \u00e7ok fazla m\u0131 \u00f6d\u00fcyorsunuz? Buradan \u00f6\u011frenin!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\">*Ortakl\u0131k ba\u011flant\u0131s\u0131: Web sitemden bir sa\u011flay\u0131c\u0131ya gitmek i\u00e7in bu ba\u011flant\u0131lardan birini kullan\u0131rsan\u0131z, bir komisyon alabilirim. Sizin i\u00e7in ek bir maliyet yoktur.  Bu ba\u011flant\u0131lar\u0131 kulland\u0131\u011f\u0131n\u0131z i\u00e7in \u2764\ufe0f TE\u015eEKK\u00dcRLER! \u2764\ufe0f<\/p>\n\n\n\n<p class=\"has-small-font-size\">Sorumluluk Reddi: Bu iyi ara\u015ft\u0131r\u0131lm\u0131\u015f ancak ba\u011flay\u0131c\u0131 olmayan bir bilgidir.<\/p>","protected":false},"excerpt":{"rendered":"<p>Neden yar\u0131n\u0131 bug\u00fcnden d\u00fc\u015f\u00fcnmelisiniz ve ya\u015fl\u0131l\u0131\u011f\u0131n\u0131z i\u00e7in m\u00fcmk\u00fcn olan en iyi haz\u0131rl\u0131\u011f\u0131 nas\u0131l yapabilirsiniz? Emeklilik i\u00e7in d\u00f6rt ipucumu a\u00e7\u0131kl\u0131yorum. Emeklilik planlamas\u0131 yaparken s\u0131kl\u0131kla hangi hatalar yap\u0131l\u0131r? Makale bu soruya da yan\u0131t veriyor. Toplumumuzdaki yayg\u0131n bir yanl\u0131\u015f kan\u0131, bir\u00e7ok insan\u0131n emeklilikleri i\u00e7in yeterli paraya sahip olduklar\u0131na inanmalar\u0131d\u0131r ... <a title=\"Emekli maa\u015f\u0131n\u0131z i\u00e7in ipu\u00e7lar\u0131\" class=\"read-more\" href=\"https:\/\/konto-kredit-vergleich.de\/tr\/emekli-maasiniza-ipuclari\/\" aria-label=\"Emekli maa\u015f\u0131n\u0131z i\u00e7in ipu\u00e7lar\u0131 hakk\u0131nda devam\u0131n\u0131 oku\">Devam\u0131n\u0131 oku<\/a><\/p>","protected":false},"author":1,"featured_media":4116,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[134,148],"tags":[],"class_list":["post-4113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-wissen"],"_links":{"self":[{"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/4113","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/comments?post=4113"}],"version-history":[{"count":1,"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/4113\/revisions"}],"predecessor-version":[{"id":18432,"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/4113\/revisions\/18432"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/media\/4116"}],"wp:attachment":[{"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/media?parent=4113"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/categories?post=4113"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konto-kredit-vergleich.de\/tr\/wp-json\/wp\/v2\/tags?post=4113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}