{"id":942,"date":"2026-09-07T20:00:38","date_gmt":"2026-09-07T17:00:38","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=942"},"modified":"2026-09-07T20:00:38","modified_gmt":"2026-09-07T17:00:38","slug":"katilim-emeklilikte-18-yas-alti-bes-sozlesmeleri-207-bini-asti","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=942","title":{"rendered":"Kat\u0131l\u0131m Emeklilik\u2019te 18 ya\u015f alt\u0131 BES s\u00f6zle\u015fmeleri 207 bini a\u015ft\u0131"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Kat\u0131l\u0131m Emeklilik\u2019in \u00e7ocuklar\u0131n do\u011fumdan itibaren Bireysel Emeklilik Sistemi\u2019ne dahil olabilmesine imk\u00e2n sa\u011flayan Erken BES plan\u0131ndaki s\u00f6zle\u015fme say\u0131s\u0131 207 bini ge\u00e7ti. T\u00fcrkiye genelinde ise 18 ya\u015f alt\u0131 BES s\u00f6zle\u015fmeleri A\u011fustos 2026 itibar\u0131yla 2 milyonu a\u015farken, bu gruptaki kat\u0131l\u0131mc\u0131 say\u0131s\u0131 son bir y\u0131lda y\u00fczde 14\u2019e yak\u0131n artt\u0131.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yeni e\u011fitim d\u00f6neminin ba\u015flamas\u0131yla ailelerin \u00e7ocuklar\u0131n\u0131n gelece\u011fine y\u00f6nelik finansal planlamalar\u0131 da yeniden g\u00fcndeme geliyor.<\/p>\n<p class=\"wp-block-paragraph\">\u00c7ocuklar i\u00e7in uzun vadeli birikim se\u00e7eneklerinden biri olan 18 ya\u015f alt\u0131 Bireysel Emeklilik Sistemi (BES), erken ya\u015fta d\u00fczenli birikime ba\u015flanmas\u0131na, devlet katk\u0131s\u0131ndan ve uzun vadeli yat\u0131r\u0131m getirilerinden yararlan\u0131lmas\u0131na imk\u00e2n sa\u011fl\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Kat\u0131l\u0131m Emeklilik de Erken BES plan\u0131yla \u00e7ocuklar\u0131n do\u011fumdan itibaren sisteme dahil edilmesine olanak tan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Erken ya\u015fta ba\u015flat\u0131lan BES s\u00f6zle\u015fmesi, k\u00fc\u00e7\u00fck tutarlarla d\u00fczenli birikim yap\u0131lmas\u0131n\u0131 ve uzun yat\u0131r\u0131m d\u00f6neminden yararlan\u0131lmas\u0131n\u0131 sa\u011flarken, getirilerin yeniden de\u011ferlendirilmesiyle bile\u015fik getiri etkisinden faydalanma f\u0131rsat\u0131 sunuyor.<\/p>\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"551\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/09\/1788765375_KE_Erken_BES-855x551.png\" alt=\"\" class=\"wp-image-131762\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>\u201cErken ba\u015flaman\u0131n \u00f6nemi daha da belirginle\u015fiyor\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>Kat\u0131l\u0131m Emeklilik Genel M\u00fcd\u00fcr\u00fc Ayhan Sincek<\/strong>, BES\u2019te zaman avantaj\u0131n\u0131n yan\u0131 s\u0131ra devlet katk\u0131s\u0131n\u0131n da uzun vadeli birikimi destekledi\u011fine dikkat \u00e7ekti.<\/p>\n<p class=\"wp-block-paragraph\">Sincek, \u201cBES\u2019te birikim yapan kat\u0131l\u0131mc\u0131lar i\u00e7in devlet katk\u0131s\u0131 da birikimin \u00f6nemli unsurlar\u0131ndan biri. Y\u00fczde 20 devlet katk\u0131s\u0131, kat\u0131l\u0131mc\u0131n\u0131n kendi \u00f6dedi\u011fi katk\u0131 paylar\u0131na ek bir avantaj sa\u011fl\u0131yor. D\u00fczenli katk\u0131 pay\u0131, devlet katk\u0131s\u0131 ve fonlar\u0131n yat\u0131r\u0131m performans\u0131n\u0131n uzun vadeli etkisi bir arada de\u011ferlendirildi\u011finde ise erken ba\u015flaman\u0131n \u00f6nemi daha da belirginle\u015fiyor\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye\u2019de 18 ya\u015f alt\u0131 BES s\u00f6zle\u015fmeleri 2 milyonu ge\u00e7ti<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye\u2019de 18 ya\u015f alt\u0131 BES s\u00f6zle\u015fme say\u0131s\u0131 A\u011fustos 2026 itibar\u0131yla 2 milyonu a\u015farken, bu say\u0131 toplam BES kat\u0131l\u0131mc\u0131lar\u0131n\u0131n yakla\u015f\u0131k y\u00fczde 11\u2019ine kar\u015f\u0131l\u0131k geldi.<\/p>\n<p class=\"wp-block-paragraph\">18 ya\u015f alt\u0131 kat\u0131l\u0131mc\u0131 say\u0131s\u0131 son bir y\u0131lda y\u00fczde 14\u2019e yak\u0131n art\u0131\u015f g\u00f6sterdi. Ayn\u0131 d\u00f6nemde T\u00fcrkiye genelindeki toplam BES s\u00f6zle\u015fme say\u0131s\u0131 y\u00fczde 7,9 artarak 18,22 milyona, toplam BES fon b\u00fcy\u00fckl\u00fc\u011f\u00fc ise y\u00fczde 56 art\u0131\u015fla 2,61 trilyon TL\u2019ye y\u00fckseldi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Kat\u0131l\u0131m Emeklilik\u2019te 18 ya\u015f alt\u0131n\u0131n pay\u0131 y\u00fczde 13,4<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Kat\u0131l\u0131m Emeklilik\u2019in 18 ya\u015f alt\u0131 BES s\u00f6zle\u015fme say\u0131s\u0131 ise 207 bini a\u015ft\u0131. \u015eirketin verdi\u011fi bilgilere g\u00f6re bu say\u0131, toplam BES s\u00f6zle\u015fmelerinin y\u00fczde 13,4\u2019\u00fcn\u00fc olu\u015fturuyor.<\/p>\n<p class=\"wp-block-paragraph\">Erken BES\u2019in performans\u0131n\u0131 de\u011ferlendiren Sincek, \u201cKat\u0131l\u0131m Emeklilik olarak \u00e7ocuklar\u0131n erken ya\u015fta BES\u2019le tan\u0131\u015fmas\u0131n\u0131 sa\u011flayan Erken BES \u00fcr\u00fcn\u00fcm\u00fczle bu alandaki b\u00fcy\u00fcmenin \u00f6nemli bir par\u00e7as\u0131y\u0131z. 18 ya\u015f alt\u0131 BES kat\u0131l\u0131mc\u0131 say\u0131m\u0131z 207 bini a\u015farken, bu say\u0131 toplam BES s\u00f6zle\u015fmelerimizin y\u00fczde 13,4\u2019\u00fcn\u00fc olu\u015fturuyor. Bu g\u00fc\u00e7l\u00fc oran, erken ya\u015fta tasarruf al\u0131\u015fkanl\u0131\u011f\u0131 kazand\u0131rma konusundaki yakla\u015f\u0131m\u0131m\u0131z\u0131n ve Erken BES \u00fcr\u00fcn\u00fcm\u00fcze y\u00f6nelik ilginin \u00f6nemli bir g\u00f6stergesi\u201d diye konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cEn \u00f6nemli avantajlardan biri zaman\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u00c7ocuklar ad\u0131na erken ya\u015fta birikime ba\u015flaman\u0131n uzun vadede sa\u011flad\u0131\u011f\u0131 avantajlara de\u011finen Sincek, \u015funlar\u0131 s\u00f6yledi:<br \/>\u201c\u00c7ocuklar\u0131m\u0131z i\u00e7in birikim yaparken asl\u0131nda yaln\u0131zca bug\u00fcnlerini de\u011fil, gelecekteki se\u00e7eneklerini de d\u00fc\u015f\u00fcn\u00fcyoruz. Burada en \u00f6nemli avantajlardan biri zaman. K\u00fc\u00e7\u00fck ya\u015fta ba\u015flayan d\u00fczenli birikimler, uzun bir yat\u0131r\u0131m d\u00f6neminde de\u011ferlendirilerek zaman i\u00e7inde b\u00fcy\u00fcyebiliyor. Devlet katk\u0131s\u0131 ve yat\u0131r\u0131m getirilerinin de etkisiyle birikimlerin yeniden de\u011ferlendirilmesi, bile\u015fik getiri etkisinden yararlanma f\u0131rsat\u0131 sunuyor.\u201d<\/p>\n<p class=\"wp-block-paragraph\">Ailelerin BES\u2019i \u00e7ocuklar\u0131 i\u00e7in ne kadar erken de\u011ferlendirmeye ba\u015flarsa uzun vadeli birikim a\u00e7\u0131s\u0131ndan o kadar fazla zaman avantaj\u0131 elde edece\u011fine inand\u0131klar\u0131n\u0131 belirten Sincek, Erken BES ile ailelerin \u00e7ocuklar\u0131n\u0131n gelece\u011fine y\u00f6nelik uzun vadeli birikim yolculu\u011funa e\u015flik etmeyi hedeflediklerini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fkatilim-emeklilikte-18-yas-alti-bes-sozlesmeleri-207-bini-asti%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Kat\u0131l\u0131m Emeklilik\u2019in \u00e7ocuklar\u0131n do\u011fumdan itibaren Bireysel Emeklilik Sistemi\u2019ne dahil olabilmesine imk\u00e2n sa\u011flayan Erken BES plan\u0131ndaki s\u00f6zle\u015fme say\u0131s\u0131 207 bini ge\u00e7ti. T\u00fcrkiye genelinde ise 18 ya\u015f alt\u0131 BES s\u00f6zle\u015fmeleri A\u011fustos 2026 itibar\u0131yla 2 milyonu a\u015farken, bu gruptaki kat\u0131l\u0131mc\u0131 say\u0131s\u0131 son bir<\/p>\n","protected":false},"author":1,"featured_media":943,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/942","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=942"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/942\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/943"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=942"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=942"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}