\n<\/p>\n
T\u00fcrkiye Sigorta Birli\u011fi (TSB), birka\u00e7 g\u00fcnd\u00fcr baz\u0131 mecralarda yer alan ve ger\u00e7e\u011fi yans\u0131tmayan iddialar\u0131n aksine Bireysel Emeklilik Sistemi’nin (BES) pozitif b\u00fcy\u00fcmesinin s\u00fcrd\u00fc\u011f\u00fcn\u00fc ve BES fonlar\u0131n\u0131n uzun vadede enflasyonun \u00fczerinde kazand\u0131rd\u0131\u011f\u0131n\u0131 bildirdi.<\/p>\n
T\u00fcrkiye Sigorta Birli\u011fi’nden yap\u0131lan a\u00e7\u0131klamada, birka\u00e7 g\u00fcnd\u00fcr baz\u0131 bas\u0131n-yay\u0131n organlar\u0131nda BES ile ili\u015fkin ger\u00e7e\u011fi yans\u0131tmayan iddialar\u0131n yer ald\u0131\u011f\u0131 belirtildi.<\/p>\n
BES’in pozitif b\u00fcy\u00fcmesinin s\u00fcrd\u00fc\u011f\u00fc ve BES fonlar\u0131n\u0131n uzun vadede enflasyonun \u00fczerinde kazand\u0131rd\u0131\u011f\u0131 vurgulanan a\u00e7\u0131klamada, s\u00f6z konusu haberlerde yay\u0131nlanan istatistiklerin, resmi veriler ile uyu\u015fmad\u0131\u011f\u0131 ve sistem hakk\u0131nda yan\u0131lt\u0131c\u0131 oldu\u011funu belirtildi.<\/p>\n
A\u00e7\u0131klamada, “\u0130ddia edildi\u011finin aksine; BES’e giri\u015fler \u00f6nceki y\u0131llara g\u00f6re artarken \u00e7\u0131k\u0131\u015flar azald\u0131. Emeklilik G\u00f6zetim Merkezi’nin verilerine g\u00f6re; 2023 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde BES’e giri\u015f yapan yeni kat\u0131l\u0131mc\u0131 say\u0131s\u0131 460 bin 44’e ula\u015f\u0131rken; vefat, maluliyet ve emeklilik gibi zorunlu nedenler de dahil olmak \u00fczere BES’ten \u00e7\u0131k\u0131\u015f yapanlar\u0131n say\u0131s\u0131 264 bin 793 ile s\u0131n\u0131rl\u0131 kald\u0131. BES’teki son 5 y\u0131ll\u0131k de\u011fi\u015fim incelendi\u011finde ise \u00f6zellikle Haziran 2021’de ba\u015flayan 18 ya\u015f alt\u0131 kat\u0131l\u0131mc\u0131lar\u0131n sisteme giri\u015fiyle, BES istikrarl\u0131 b\u00fcy\u00fcmesine devam etti.” ifadeleri kullan\u0131ld\u0131.<\/p>\n
BES fonlar\u0131n\u0131n ortalama getirilerinin son d\u00f6nemde bir\u00e7ok alternatif yat\u0131r\u0131m arac\u0131n\u0131 geride b\u0131rakt\u0131\u011f\u0131 kaydedilen a\u00e7\u0131klamada, \u00f6zellikle devlet katk\u0131s\u0131n\u0131n y\u00fczde 30’a y\u00fckseltilmesinin sisteme olan g\u00fcveni daha da art\u0131rd\u0131\u011f\u0131 vurguland\u0131. T\u00fcm bu nedenlere ba\u011fl\u0131 olarak sistemin ilk y\u0131llar\u0131nda ya\u015fanan \u00e7\u0131k\u0131\u015f oranlar\u0131n\u0131n h\u0131zla d\u00fc\u015ft\u00fc\u011f\u00fc belirtildi.<\/p>\n
A\u00e7\u0131klamada, kuruldu\u011fu 2003’ten itibaren d\u00fczenli olarak geni\u015fleyen BES’in kat\u0131l\u0131mc\u0131 say\u0131s\u0131n\u0131n Otomatik Kat\u0131l\u0131m Sistemi’ndeki (OKS) \u00e7al\u0131\u015fanlarla birlikte 15 milyona yakla\u015ft\u0131\u011f\u0131, BES ve OKS’de 2013-2022 y\u0131llar\u0131ndaki bile\u015fik y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131n\u0131n 37 olarak ger\u00e7ekle\u015fti\u011fi anlat\u0131ld\u0131.<\/p>\n
A\u00e7\u0131klamada, bahsi ge\u00e7en yan\u0131lt\u0131c\u0131 haberlerde, “Emeklilik halinde katk\u0131n\u0131n y\u00fczde 100’\u00fc al\u0131nabilir” ifadesinin yer ald\u0131\u011f\u0131, “katk\u0131” s\u00f6zc\u00fc\u011f\u00fcn\u00fcn kat\u0131l\u0131mc\u0131n\u0131n \u00f6dedi\u011fi katk\u0131 paylar\u0131n\u0131 ifade etti\u011fi ve mevcut sistemde BES kat\u0131l\u0131mc\u0131lar\u0131n\u0131n zaten hesaplar\u0131ndaki birikimlerini diledikleri zaman sistemden tamam\u0131n\u0131 alarak s\u00f6zle\u015fmelerini sonland\u0131rabildi\u011fi belirtildi.<\/p>\n
Y\u00fczde 30’luk devlet katk\u0131s\u0131n\u0131n tamam\u0131n\u0131n emeklilikte ya da vefat ve maluliyet durumlar\u0131nda al\u0131nabildi\u011fi kaydedilirken, \u015fu bilgiler yer ald\u0131:<\/p>\n
“Ayr\u0131ca 2022 sonunda yap\u0131lan de\u011fi\u015fiklikle, y\u0131ll\u0131k limitin \u00fczerinde \u00f6denen katk\u0131lar i\u00e7in takip eden y\u0131llarda ‘devlet katk\u0131s\u0131’ alabilme imkan\u0131 getirildi. B\u00f6ylelikle bir kat\u0131l\u0131mc\u0131, yat\u0131rmak istedi\u011fi katk\u0131 pay\u0131n\u0131 y\u0131llara b\u00f6l\u00fcp erteleyerek yat\u0131rmak yerine, toplu yat\u0131rd\u0131\u011f\u0131 tutar i\u00e7in ilgili y\u0131la ait denk gelen devlet katk\u0131s\u0131n\u0131 ald\u0131ktan sonra kalan katk\u0131 pay\u0131n\u0131, bir sonraki takvim y\u0131l\u0131n\u0131n ilk g\u00fcn\u00fc yat\u0131rm\u0131\u015f gibi m\u00fcteakip takvim y\u0131l\u0131n\u0131n limiti d\u00e2hilinde faydalanabilecek ve varsa hala limitini a\u015fan katk\u0131 pay\u0131n\u0131 gelecek y\u0131llara devredebilecektir. Bu sayede kat\u0131l\u0131mc\u0131lar, katk\u0131 pay\u0131n\u0131n bir k\u0131sm\u0131n\u0131 gelecek y\u0131llarda yat\u0131rmak \u00fczere bekletmek yerine, tamam\u0131n\u0131 ilk andan itibaren fonlarda yat\u0131r\u0131ma y\u00f6nlendirebilme imk\u00e2n\u0131na kavu\u015fmu\u015flard\u0131r.”<\/p>\n
A\u00e7\u0131klamada, BES’te her t\u00fcrl\u00fc risk profiline uygun fonun bulundu\u011fu, k\u0131sa vadeli yat\u0131r\u0131m tercihlerinin ekonomik dalgalanmalardan etkilenebildi\u011fi ancak uzun vadeli fonlar sayesinde ciddi kazan\u0131mlar elde edilebildi\u011fi, sistemin uzun vadeli yap\u0131s\u0131na uygun tercihlerin kat\u0131l\u0131mc\u0131lar\u0131 korudu\u011fu ve birikimleri ciddi anlamda b\u00fcy\u00fctt\u00fc\u011f\u00fc vurguland\u0131.<\/p>\n
BES’in yat\u0131r\u0131mc\u0131lara katk\u0131s\u0131na ili\u015fkin de\u011ferlendirmelerin yap\u0131ld\u0131\u011f\u0131 a\u00e7\u0131klamada \u015fu bilgilere yer verildi:<\/p>\n
“BES, bireylere uzun vadeli tasarruf al\u0131\u015fkanl\u0131\u011f\u0131 kazand\u0131rma ve \u00fclke tasarruflar\u0131n\u0131 art\u0131rma rol\u00fcyle kat\u0131l\u0131mc\u0131lar\u0131m\u0131z\u0131n menfaatlerinin en iyi \u015fekilde korunmas\u0131, getirilerinin maksimize edilmesine y\u00f6nelik t\u00fcm payda\u015flar\u0131n deste\u011fiyle \u00f6nemli bir g\u00f6revi yerine getirmektedir. Ge\u00e7mi\u015fe d\u00f6n\u00fck uzun vadeli getirilere bakt\u0131\u011f\u0131m\u0131zda 5 y\u0131ll\u0131k d\u00f6nemde BES ve OKS fonlar\u0131n\u0131n ortalama getirisinin (y\u00fczde 252) T\u00dcFE’nin (y\u00fczde 208) \u00fczerinde getiri sa\u011flad\u0131\u011f\u0131 g\u00f6r\u00fclmektedir. Ge\u00e7en y\u0131l sistemin tabana yay\u0131lmas\u0131n\u0131 teminen \u00f6zellikle devlet katk\u0131s\u0131n\u0131n y\u00fczde 30’a y\u00fckseltilmesi ve toplu katk\u0131 paylar\u0131na \u00f6denecek devlet katk\u0131s\u0131n\u0131n y\u0131llara sari verilmesi BES’in s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmesine katk\u0131 sa\u011flayacak.”<\/p>\n