{"id":1779293148,"date":"2026-08-03T06:25:15","date_gmt":"2026-08-03T06:25:15","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-tr\/altersvorsorgedepot-riesterin-ardili-neden-gercek-bir-ilerleme\/"},"modified":"2026-10-16T10:09:14","modified_gmt":"2026-10-16T10:09:14","slug":"altersvorsorgedepot-riesterin-ardili-neden-gercek-bir-ilerleme","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/uzman-roeportajlari\/altersvorsorgedepot-riesterin-ardili-neden-gercek-bir-ilerleme\/","title":{"rendered":"Altersvorsorgedepot: Riester&#8217;in ard\u0131l\u0131 neden ger\u00e7ek bir ilerleme"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779293148\" class=\"elementor elementor-1779293148 elementor-1779290040\">\n\t\t\t\t<div class=\"elementor-element elementor-element-440c8f7 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"440c8f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9a5fffe e-con-full e-flex e-con e-child\" data-id=\"9a5fffe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89b0fe2 elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"89b0fe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"890\" height=\"890\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/experteninterview-cbraun-e1785736786711.jpg\" class=\"attachment-full size-full wp-image-1779293149\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/experteninterview-cbraun-e1785736786711.jpg 890w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/experteninterview-cbraun-e1785736786711-300x300.jpg 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/experteninterview-cbraun-e1785736786711-150x150.jpg 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/experteninterview-cbraun-e1785736786711-768x768.jpg 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/experteninterview-cbraun-e1785736786711-710x710.jpg 710w\" sizes=\"(max-width: 890px) 100vw, 890px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09a176f elementor-widget elementor-widget-text-editor\" data-id=\"09a176f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Y\u00f6netim \u00fc\u00e7l\u00fcs\u00fc: Christoph Braun, Angelika Hofmann, Josef Hiergeist<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-004c968 e-con-full e-flex e-con e-child\" data-id=\"004c968\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e86f75 elementor-widget elementor-widget-text-editor\" data-id=\"5e86f75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dan\u0131\u015fmanl\u0131k prati\u011finden bir yaz\u0131 \u2013 bireyler, aileler ve serbest \u00e7al\u0131\u015fanlar i\u00e7in<\/p>\n<p>Christoph Braun, Hofmann &amp; Hiergeist Gesellschaft f\u00fcr Finanzberatung und Verm\u00f6gensbetreuung mbH genel m\u00fcd\u00fcr\u00fc<\/p>\n<p>Son aylarda dan\u0131\u015fmanl\u0131k g\u00f6r\u00fc\u015fmelerinde beni hi\u00e7bir konu \u015fu soru kadar s\u0131k me\u015fgul etmedi: \u201eRiester h\u00e2l\u00e2 de\u011fer mi \u2013 yoksa yeni Altersvorsorgedepot (Almanya&#8217;n\u0131n devlet destekli bireysel emeklilik yat\u0131r\u0131m hesab\u0131) \u00fcr\u00fcn\u00fcn\u00fc m\u00fc beklemeliyim?\u201c Yan\u0131t art\u0131k a\u00e7\u0131k, \u00e7\u00fcnk\u00fc reform kesinle\u015fti. Bundestag 27 Mart 2026&#8217;da kabul etti, Bundesrat 8 May\u0131s 2026&#8217;da onaylad\u0131 ve 1 Ocak 2027&#8217;den itibaren yeni sistem t\u00fcm yurtta\u015flar\u0131n kullan\u0131m\u0131na a\u00e7\u0131l\u0131yor. Dan\u0131\u015fman bak\u0131\u015f\u0131yla neyin de\u011fi\u015fti\u011fini \u2013 ve dan\u0131\u015fanlar\u0131m\u0131n \u00e7o\u011funa neden art\u0131k ge\u00e7i\u015fi ciddi bi\u00e7imde incelemelerini \u00f6nerdi\u011fimi \u2013 de\u011ferlendirmenin zaman\u0131.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-802f8b1 elementor-widget elementor-widget-text-editor\" data-id=\"802f8b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"avd-ki avd-ki--button avd-ki--align-left\"\n\t\tdata-avd-ki\n\t\tdata-prompt=\"Bu adresteki yaz\u0131y\u0131 benim i\u00e7in \u00f6zetler misin: https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293148\/\n\nEn fazla 8 madde h\u00e2linde ve T\u00fcrk\u00e7e olarak yaz. Sonunda, Almanya\u2019daki bireysel emeklilik hesab\u0131yla (Altersvorsorgedepot) ilgilenen biri i\u00e7in en \u00f6nemli 3 pratik \u00e7\u0131kar\u0131m\u0131 belirt. Yaz\u0131n\u0131n ba\u015fl\u0131\u011f\u0131: AVD Anbieter Vergleich\">\n\n\t\t<button type=\"button\"\n\t\t\tclass=\"avd-ki__trigger\"\n\t\t\tid=\"avd-ki-4141-btn\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-controls=\"avd-ki-4141-menu\">\n\t\t\t<span class=\"avd-ki__spark\" aria-hidden=\"true\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.6 13.5 8a5 5 0 0 0 3.5 3.5l5.4 1.5-5.4 1.5A5 5 0 0 0 13.5 18L12 23.4 10.5 18A5 5 0 0 0 7 14.5L1.6 13 7 11.5A5 5 0 0 0 10.5 8L12 2.6ZM19.4 1l.6 2.1 2.1.6-2.1.6-.6 2.1-.6-2.1-2.1-.6 2.1-.6.6-2.1Z\"\/><\/svg>\n\t\t\t<\/span>\n\t\t\t<span class=\"avd-ki__label\">Bu yaz\u0131y\u0131 yapay zek\u00e2 ile \u00f6zetle<\/span>\n\t\t\t<span class=\"avd-ki__caret\" aria-hidden=\"true\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m6 9 6 6 6-6\"\/><\/svg>\n\t\t\t<\/span>\n\t\t<\/button>\n\n\t\t<div class=\"avd-ki__menu\"\n\t\t\tid=\"avd-ki-4141-menu\"\n\t\t\trole=\"menu\"\n\t\t\taria-labelledby=\"avd-ki-4141-btn\"\n\t\t\thidden>\n\t\t\t<p class=\"avd-ki__hint\">\u00d6ffnet den Artikel mit fertigem Prompt in:<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/chatgpt.com\/?hints=search&#038;q=Bu%20adresteki%20yaz%C4%B1y%C4%B1%20benim%20i%C3%A7in%20%C3%B6zetler%20misin%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Ftr%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779293148%2FEn%20fazla%208%20madde%20h%C3%A2linde%20ve%20T%C3%BCrk%C3%A7e%20olarak%20yaz.%20Sonunda%2C%20Almanya%E2%80%99daki%20bireysel%20emeklilik%20hesab%C4%B1yla%20%28Altersvorsorgedepot%29%20ilgilenen%20biri%20i%C3%A7in%20en%20%C3%B6nemli%203%20pratik%20%C3%A7%C4%B1kar%C4%B1m%C4%B1%20belirt.%20Yaz%C4%B1n%C4%B1n%20ba%C5%9Fl%C4%B1%C4%9F%C4%B1%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"chatgpt\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M22.28 9.82a5.98 5.98 0 0 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class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/claude.ai\/new?q=Bu%20adresteki%20yaz%C4%B1y%C4%B1%20benim%20i%C3%A7in%20%C3%B6zetler%20misin%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Ftr%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779293148%2FEn%20fazla%208%20madde%20h%C3%A2linde%20ve%20T%C3%BCrk%C3%A7e%20olarak%20yaz.%20Sonunda%2C%20Almanya%E2%80%99daki%20bireysel%20emeklilik%20hesab%C4%B1yla%20%28Altersvorsorgedepot%29%20ilgilenen%20biri%20i%C3%A7in%20en%20%C3%B6nemli%203%20pratik%20%C3%A7%C4%B1kar%C4%B1m%C4%B1%20belirt.%20Yaz%C4%B1n%C4%B1n%20ba%C5%9Fl%C4%B1%C4%9F%C4%B1%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"claude\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M4.71 15.15 9.4 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class=\"avd-ki__item\"\n\t\t\t\t\trole=\"menuitem\"\n\t\t\t\t\thref=\"https:\/\/www.perplexity.ai\/search\/new?q=Bu%20adresteki%20yaz%C4%B1y%C4%B1%20benim%20i%C3%A7in%20%C3%B6zetler%20misin%3A%20https%3A%2F%2Faltersvorsorgedepot-anbieter-vergleich.de%2Ftr%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1779293148%2FEn%20fazla%208%20madde%20h%C3%A2linde%20ve%20T%C3%BCrk%C3%A7e%20olarak%20yaz.%20Sonunda%2C%20Almanya%E2%80%99daki%20bireysel%20emeklilik%20hesab%C4%B1yla%20%28Altersvorsorgedepot%29%20ilgilenen%20biri%20i%C3%A7in%20en%20%C3%B6nemli%203%20pratik%20%C3%A7%C4%B1kar%C4%B1m%C4%B1%20belirt.%20Yaz%C4%B1n%C4%B1n%20ba%C5%9Fl%C4%B1%C4%9F%C4%B1%3A%20AVD%20Anbieter%20Vergleich\"\n\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer nofollow\"\n\t\t\t\t\treferrerpolicy=\"no-referrer\"\n\t\t\t\t\tdata-service=\"perplexity\">\n\t\t\t\t\t<span class=\"avd-ki__icon\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path fill=\"currentColor\" d=\"M12 2.5 5.2 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0 0 3.5 3.5l5.4 1.5-5.4 1.5A5 5 0 0 0 13.5 18L12 23.4 10.5 18A5 5 0 0 0 7 14.5L1.6 13 7 11.5A5 5 0 0 0 10.5 8L12 2.6Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Google AI Mode<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<a 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17.9H4.8l1.3-2.5Zm11.8-4.1v8.5h-2.6v-5l2.6-3.5Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>Grok<\/span>\n\t\t\t\t\t<span class=\"avd-ki__ext\" aria-hidden=\"true\">\n\t\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M14 4h6v6M20 4l-9 9M18 14v5a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1V7a1 1 0 0 1 1-1h5\"\/><\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<button type=\"button\" class=\"avd-ki__item avd-ki__copy\" role=\"menuitem\">\n\t\t\t\t<span class=\"avd-ki__icon\">\n\t\t\t\t\t<svg viewBox=\"0 0 24 24\" focusable=\"false\"><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M9 9h10v10a1 1 0 0 1-1 1H9a1 1 0 0 1-1-1V9Z\"\/><path fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M16 6V5a1 1 0 0 0-1-1H5a1 1 0 0 0-1 1v10a1 1 0 0 0 1 1h1\"\/><\/svg>\n\t\t\t\t<\/span>\n\t\t\t\t<span class=\"avd-ki__copy-label\">Prompt kopieren<\/span>\n\t\t\t<\/button>\n\n\t\t\t<p class=\"avd-ki__note\">Es werden keine Daten an Dritte \u00fcbertragen, bevor Sie klicken.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58f4399 e-flex e-con-boxed e-con e-parent\" data-id=\"58f4399\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60bb5c3 elementor-widget elementor-widget-text-editor\" data-id=\"60bb5c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Riester neden s\u0131n\u0131rlar\u0131na ula\u015ft\u0131<\/h2>\n<p>Riester 2002&#8217;de iyi bir d\u00fc\u015f\u00fcnceydi: yasal emeklilik maa\u015f\u0131na devlet destekli, sermaye birikimine dayal\u0131 bir ek; devlet katk\u0131lar\u0131 sayesinde \u00f6zellikle d\u00fc\u015f\u00fck gelirliler ve \u00e7ocuklu aileler i\u00e7in cazip hale getirilmi\u015fti. Ancak uygulamada \u00fcr\u00fcn, dan\u0131\u015fmanl\u0131kta s\u00fcrekli kar\u015f\u0131la\u015ft\u0131\u011f\u0131m \u00fc\u00e7 yap\u0131sal sorundan muzdaripti:<\/p>\n<ul>\n<li>S\u00f6zle\u015fme, y\u00f6netim ve garanti masraflar\u0131 y\u00fcz\u00fcnden getirinin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc yiyip bitiren y\u00fcksek maliyetler.<\/li>\n<li>Sa\u011flay\u0131c\u0131lar\u0131 \u00e7ok savunmac\u0131, \u00e7o\u011fu zaman faiz \u00fcr\u00fcn\u00fc a\u011f\u0131rl\u0131kl\u0131 bir yat\u0131r\u0131m tarz\u0131na zorlayan y\u00fczde 100 katk\u0131 garantisi \u2013 s\u0131f\u0131r faiz d\u00f6neminde buna uygun olarak zay\u0131f kalan kazan\u00e7larla.<\/li>\n<li>Deste\u011fe hak kazananlar\u0131n dar bir \u00e7evreyle s\u0131n\u0131rl\u0131 olmas\u0131: Serbest \u00e7al\u0131\u015fanlar, serbest meslek sahipleri ve ticari i\u015fletme sahipleri fiilen destek d\u0131\u015f\u0131ndayd\u0131; oysa tam da onlar \u00e7o\u011fu zaman ne i\u015fyeri emeklili\u011fine ne de yasal emeklilikte zorunlu sigortaya sahip.<\/li>\n<\/ul>\n<p>Sonu\u00e7: duran s\u00f6zle\u015fme say\u0131lar\u0131 ve son y\u0131llarda vicdan\u0131m rahat bi\u00e7imde giderek daha az \u00f6nerebildi\u011fim bir \u00fcr\u00fcn.<\/p>\n<h2>Altersvorsorgedepot neyi yeni yap\u0131yor<\/h2>\n<p>Altersvorsorge-Reformgesetz ile yeni bir \u00e7ekirdek \u00fcr\u00fcn do\u011fuyor: Altersvorsorgedepot. Klasik Riester s\u00f6zle\u015fmelerinin aksine burada katk\u0131 garantisi olmadan do\u011frudan sermaye piyasas\u0131na yat\u0131r\u0131m yap\u0131l\u0131yor \u2013 yasayla tan\u0131mlanm\u0131\u015f bir pozitif listede yer alan hisse senetleri, fonlar ve ETF&#8217;lere. G\u00fcvenlik odakl\u0131 olmay\u0131 tercih eden kimse ge\u00e7meye zorunlu de\u011fil: Y\u00fczde 80 veya y\u00fczde 100 katk\u0131 garantili garantili \u00fcr\u00fcnler deste\u011fe uygun kal\u0131yor, yani paralel olarak var olmay\u0131 s\u00fcrd\u00fcr\u00fcyor.<\/p>\n<p>Teklifler aras\u0131nda se\u00e7im yapmakta zorlananlar i\u00e7in ayr\u0131ca bir \u201eStandarddepot Altersvorsorge\u201c (standart emeklilik birikim hesab\u0131) olacak \u2013 her sa\u011flay\u0131c\u0131da bulunmas\u0131 zorunlu olan, maliyetleri yasa gere\u011fi y\u0131lda y\u00fczde 1,0 ile s\u0131n\u0131rland\u0131r\u0131lm\u0131\u015f, basit ve ucuz bir kar\u015f\u0131la\u015ft\u0131rma \u00fcr\u00fcn\u00fc. Bana g\u00f6re reformun ger\u00e7ek p\u00fcf noktas\u0131 bu: B\u00f6yle bir referans \u00fcr\u00fcn, di\u011fer sa\u011flay\u0131c\u0131lar\u0131 da maliyetlerde hareket etmeye zorlar, \u00e7\u00fcnk\u00fc m\u00fc\u015fterilerin art\u0131k ger\u00e7ek bir kar\u015f\u0131la\u015ft\u0131rma \u00f6l\u00e7\u00fct\u00fc var.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9faedf6 e-con-full e-flex e-con e-parent\" data-id=\"9faedf6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ebee07a animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"ebee07a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d7809b6 e-con-full e-flex e-con e-child\" data-id=\"d7809b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3905baa animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3905baa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><div class=\"kd-heading__title\">Yasa koyucu bir destek sistemini reforme etti\u011finde nadiren co\u015fkulu olurum. Altersvorsorgedepot'ta izlenimim farkl\u0131.<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ece5e9a elementor-widget elementor-widget-text-editor\" data-id=\"ece5e9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\n<h2>Bu, \u00fc\u00e7 dan\u0131\u015fan grubum i\u00e7in somut olarak ne anlama geliyor<\/h2>\n<h3>\u00c7ocuksuz bireyler<\/h3>\n<p>Burada beni en \u00e7ok yeni devlet katk\u0131s\u0131 mant\u0131\u011f\u0131 ikna ediyor. Maliyetlerden sonraki getiriyi fazla zay\u0131f buldu\u011fu i\u00e7in \u015fimdiye kadar Riester s\u00f6zle\u015fmesi yapmam\u0131\u015f olan ki\u015fi, standart menkul k\u0131ymet hesab\u0131yla ilk kez ucuz, getiri odakl\u0131 ve buna ra\u011fmen devlet destekli bir araca kavu\u015fuyor. Maliyet tavan\u0131 ile performansa ba\u011fl\u0131 temel devlet katk\u0131s\u0131n\u0131n birle\u015fimi \u2013 y\u0131lda 360 euro katk\u0131ya kadar yat\u0131r\u0131lan her euro i\u00e7in 50 sent \u2013 aktif birikimi, 175 euroluk kat\u0131 Riester g\u00f6t\u00fcr\u00fc tutar\u0131na g\u00f6re belirgin bi\u00e7imde daha fazla \u00f6d\u00fcllendiriyor.<\/p>\n<h3>Aileler<\/h3>\n<p>Ebeveynler i\u00e7in en b\u00fcy\u00fck ilerleme yeni \u00e7ocuk katk\u0131s\u0131: \u00c7ocuk ba\u015f\u0131na y\u0131lda tam 300 euro, bundan sonra ayda 25 euro katk\u0131dan itibaren al\u0131nabiliyor \u2013 \u015fimdiye kadar bunun i\u00e7in belirgin bi\u00e7imde daha y\u00fcksek bir kendi katk\u0131s\u0131 gerekiyordu. \u00d6zellikle birden fazla \u00e7ocu\u011fu olan ve ayl\u0131k hareket alan\u0131 s\u0131n\u0131rl\u0131 aileler burada orant\u0131n\u0131n \u00f6tesinde yararlan\u0131yor. Dan\u0131\u015fmanl\u0131kta bunu art\u0131k bilin\u00e7li olarak kar\u015f\u0131l\u0131kl\u0131 hesapl\u0131yorum, \u00e7\u00fcnk\u00fc d\u00fc\u015f\u00fck gelirli \u00e7ok \u00e7ocuklu haneler i\u00e7in tek tek durumlarda eski Riester sisteminde kalmak da h\u00e2l\u00e2 avantajl\u0131 olabilir \u2013 ge\u00e7i\u015fi \u00f6nermeden \u00f6nce her zaman bireysel olarak hesaplad\u0131\u011f\u0131m bir nokta.<\/p>\n<h3>Serbest \u00e7al\u0131\u015fanlar ve serbest meslek sahipleri<\/h3>\n<p>Bana g\u00f6re reformun ger\u00e7ek yenili\u011fi bu: Devlet deste\u011fi ilk kez, \u015fimdiye kadar Riester&#8217;den pratikte d\u0131\u015flanm\u0131\u015f olan serbest \u00e7al\u0131\u015fanlara, serbest meslek sahiplerine ve ticari i\u015fletme sahiplerine a\u00e7\u0131l\u0131yor. \u00d6zellikle bu grubun \u00e7o\u011fu zaman ne i\u015fyeri emeklili\u011fi var ne de yasal emeklilik sigortas\u0131ndan zorunlu haklar\u0131 \u2013 Altersvorsorgedepot burada ger\u00e7ek bir emeklilik birikimi a\u00e7\u0131\u011f\u0131n\u0131 kapat\u0131yor ve bana g\u00f6re her giri\u015fimcinin emeklilik planlamas\u0131n\u0131n sabit bir par\u00e7as\u0131 olmal\u0131.<\/p>\n<h2>Mevcut Riester s\u00f6zle\u015fmelerine ne olacak<\/h2>\n<p>Dan\u0131\u015fmanl\u0131k g\u00f6r\u00fc\u015fmelerinde s\u0131k s\u0131k tedirginlik yaratan \u00f6nemli bir nokta: Kimsenin harekete ge\u00e7mesi gerekmiyor. Mevcut Riester s\u00f6zle\u015fmeleri, mevcut haklar\u0131n korunmas\u0131yla de\u011fi\u015fmeden devam ediyor; ne otomatik bir fesih ne de zorunlu bir d\u00f6n\u00fc\u015ft\u00fcrme var. \u0130steyen, daha \u00f6nce al\u0131nan deste\u011fi geri \u00f6demek zorunda kalmadan g\u00f6n\u00fcll\u00fc olarak bir Altersvorsorgedepot&#8217;a ge\u00e7ebilir \u2013 ancak bu s\u0131rada ge\u00e7i\u015f, s\u00f6zle\u015fme ve sat\u0131\u015f masraflar\u0131 do\u011fabilir; bunlar\u0131 her tek durumda yeni deste\u011fin avantajlar\u0131na kar\u015f\u0131 tart\u0131yorum. Eski Riester modeline g\u00f6re yeni s\u00f6zle\u015fmeler yaln\u0131zca 31 Aral\u0131k 2026&#8217;ya kadar m\u00fcmk\u00fcn.<\/p>\n<h2>Dan\u0131\u015fmanl\u0131k prati\u011finden \u00e7\u0131kard\u0131\u011f\u0131m sonu\u00e7<\/h2>\n<p>Yasa koyucu mevcut bir destek sistemini reforme etti\u011finde nadiren co\u015fkulu olurum \u2013 \u00e7o\u011fu zaman i\u015f basitle\u015fmek yerine karma\u015f\u0131kla\u015f\u0131r. Altersvorsorgedepot&#8217;ta izlenimim farkl\u0131: Maliyet tavan\u0131 ger\u00e7ek bir kar\u015f\u0131la\u015ft\u0131r\u0131labilirlik yarat\u0131yor, hisse senetleri ve ETF&#8217;lere getiri odakl\u0131 yat\u0131r\u0131m uzun birikim s\u00fcreleri boyunca ger\u00e7ek\u00e7i getiri \u015fanslar\u0131 a\u00e7\u0131yor ve serbest \u00e7al\u0131\u015fanlara a\u00e7\u0131lmas\u0131, dan\u0131\u015fmanl\u0131kta y\u0131llard\u0131r bu meslek grubunun en b\u00fcy\u00fck emeklilik birikimi sorunlar\u0131ndan biri olarak g\u00f6rd\u00fc\u011f\u00fcm bir a\u00e7\u0131\u011f\u0131 kapat\u0131yor.<\/p>\n<p>Buna kar\u015f\u0131n her emeklilik birikimi karar\u0131nda oldu\u011fu gibi: Toptan \u00f6neriler yersizdir. G\u00fcvenlik ihtiyac\u0131 y\u00fcksek olan ki\u015fi, h\u00e2l\u00e2 mevcut olan garantili varyantlar\u0131 aceleyle reddetmemeli. H\u00e2lihaz\u0131rda devam eden bir Riester s\u00f6zle\u015fmesi olan ki\u015fi, ge\u00e7i\u015ften \u00f6nce bireysel ge\u00e7i\u015f maliyetlerini ve ki\u015fisel aile ve gelir durumunu titizlikle hesaplatmal\u0131. \u015eu an hen\u00fcz s\u00f6zle\u015fmesi olmayan, ama 2026&#8217;da birikim yapmak isteyen ki\u015fi ise y\u0131l sonundan \u00f6nce son bir Riester s\u00f6zle\u015fmesinin h\u00e2l\u00e2 anlaml\u0131 olup olmad\u0131\u011f\u0131n\u0131 ya da 1 Ocak 2027 ba\u015flang\u0131c\u0131n\u0131 beklemenin de\u011fip de\u011fmeyece\u011fini tartmal\u0131.<\/p>\n<p>Reform, mevcut sisteme g\u00f6re belirgin bi\u00e7imde daha iyi ko\u015fullar sunuyor, ama en iyi \u00e7\u00f6z\u00fcm her zaman bireysel ya\u015fam durumuna uyan \u00e7\u00f6z\u00fcmd\u00fcr.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8acac1 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"f8acac1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-39fccc1 e-con-full e-flex e-con e-child\" data-id=\"39fccc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-353fee6 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"353fee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><span class=\"kd-heading__label\">Hesaplay\u0131c\u0131<\/span><h3 class=\"kd-heading__title\">Altersvorsorgedepot size ne kazand\u0131r\u0131r?<\/h3><div class=\"kd-heading__desc\"><p>Devlet deste\u011fi, vergi avantaj\u0131 ve olas\u0131 hesap de\u011feri, bir dakikadan k\u0131sa s\u00fcrede ve kendi say\u0131lar\u0131n\u0131zla.<\/p><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e73d9f e-con-full e-flex e-con e-child\" data-id=\"0e73d9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac3c47c animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"ac3c47c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"keydesign-button.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-button-wrap\"><a class=\"kd-button elementor-button\" role=\"button\" data-text=\"Devlet deste\u011fini \u015fimdi hesaplay\u0131n\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wpa-stats\/altersvorsorgedepot-rechner\/\"><span class=\"kd-button__label\">Devlet deste\u011fini \u015fimdi hesaplay\u0131n<\/span><span class=\"kd-button__icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31780024 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"31780024\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4c5eac57 e-con-full e-flex e-con e-child\" data-id=\"4c5eac57\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-453ddbb4 e-con-full e-flex e-con e-child\" data-id=\"453ddbb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36c64832 e-con-full e-flex e-con e-child\" data-id=\"36c64832\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fe16e1f kd-section-title animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3fe16e1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><h5 class=\"kd-heading__title\">Uzman hakk\u0131nda<\/h5><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f27e3bb elementor-widget elementor-widget-keydesign-heading\" data-id=\"1f27e3bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-heading.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><div class=\"kd-heading\"><p class=\"kd-heading__title\">Christoph Braun<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66a8ca7 elementor-widget elementor-widget-text-editor\" data-id=\"66a8ca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Hofmann &amp; Hiergeist GmbH genel m\u00fcd\u00fcr\u00fc<\/strong><\/p>\n<p>Christoph Braun, Hofmann &amp; Hiergeist Gesellschaft f\u00fcr Finanzberatung und Verm\u00f6gensbetreuung mbH \u015firketinin genel m\u00fcd\u00fcr\u00fcd\u00fcr; i\u015fletme alan\u0131nda y\u00fcksek lisans derecesine ve finans ile sigorta sekt\u00f6r\u00fcnde on be\u015f y\u0131l\u0131 a\u015fk\u0131n deneyime sahiptir. \u015eirketin kurucular\u0131 Bayan Hofmann ve Bay Hiergeist ile birlikte Hofmann &amp; Hiergeist GmbH&#8217;nin stratejik y\u00f6n\u00fcn\u00fc ve geli\u015fimini \u015fekillendirir. Ekibiyle birlikte ki\u015fisel, sahibi taraf\u0131ndan y\u00f6netilen ve her alan\u0131 kapsayan 360\u00b0 dan\u0131\u015fmanl\u0131\u011f\u0131 temsil eder. Ailenin g\u00fcvenceye al\u0131nmas\u0131ndan varl\u0131kl\u0131 bireysel m\u00fc\u015fteriler ile giri\u015fimcilerin servet olu\u015fturmas\u0131na, oradan emeklilik planlamas\u0131na kadar \u015firket, dan\u0131\u015fanlar\u0131na finansal gelecekleri i\u00e7in a\u00e7\u0131k bir planla e\u015flik eder \u2013 b\u00fct\u00fcnc\u00fcl, s\u00fcrd\u00fcr\u00fclebilir ve her zaman e\u015fit d\u00fczeyde.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-726bfa7 e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"726bfa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-8b8e0a1\" href=\"https:\/\/de.linkedin.com\/in\/rolf-henning-hackel-03a41283\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-user elementor-repeater-item-bcbec36\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/hakkimizda\/\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">User<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-list elementor-repeater-item-4611994\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/altersvorsorge-depot-2027-gercekler\/\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">List<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-list\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M80 368H16a16 16 0 0 0-16 16v64a16 16 0 0 0 16 16h64a16 16 0 0 0 16-16v-64a16 16 0 0 0-16-16zm0-320H16A16 16 0 0 0 0 64v64a16 16 0 0 0 16 16h64a16 16 0 0 0 16-16V64a16 16 0 0 0-16-16zm0 160H16a16 16 0 0 0-16 16v64a16 16 0 0 0 16 16h64a16 16 0 0 0 16-16v-64a16 16 0 0 0-16-16zm416 176H176a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16h320a16 16 0 0 0 16-16v-32a16 16 0 0 0-16-16zm0-320H176a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16h320a16 16 0 0 0 16-16V80a16 16 0 0 0-16-16zm0 160H176a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16h320a16 16 0 0 0 16-16v-32a16 16 0 0 0-16-16z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7524a1c0 e-con-full e-flex e-con e-child\" data-id=\"7524a1c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90d16ce elementor-widget elementor-widget-image\" data-id=\"90d16ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/braun-portrait-400.webp\" class=\"attachment-large size-large wp-image-1779293150\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Dan\u0131\u015fmanl\u0131k prati\u011finden bir yaz\u0131 \u2013 bireyler, aileler ve serbest \u00e7al\u0131\u015fanlar i\u00e7in; Christoph Braun, Gesellschaft f\u00fcr Finanzberatung und Verm\u00f6gensbetreuung mbH genel m\u00fcd\u00fcr\u00fc<\/p>\n","protected":false},"author":5,"featured_media":1779293151,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_metasync_otto_title":"","_metasync_otto_description":"","_metasync_otto_keywords":"","_metasync_otto_og_title":"","_metasync_otto_og_description":"","_metasync_otto_twitter_title":"","_metasync_otto_twitter_description":"","rank_math_title":"","rank_math_description":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_aioseo_title":"","_aioseo_description":"","_metasync_seo_title":"Riester\u2019in halefi neden ger\u00e7ek bir ilerleme | AVD Kar\u015f\u0131la\u015ft\u0131rma","_metasync_seo_desc":"Reform \u00fczerine bir uzman r\u00f6portaj\u0131: Altersvorsorgedepot Riester\u2019den neyi daha iyi yap\u0131yor, ne a\u00e7\u0131k kal\u0131yor.","_metasync_breadcrumb_title":"","_metasync_primary_category":0,"_metasync_primary_product_cat":0,"_metasync_otto_disabled":"","_metasync_hreflang":"","_metasync_plugin_sync_ts":"","_metasync_robots_advanced":"","footnotes":""},"categories":[102],"tags":[],"class_list":["post-1779293148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uzman-roeportajlari"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293148","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/comments?post=1779293148"}],"version-history":[{"count":38,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293148\/revisions"}],"predecessor-version":[{"id":1779294183,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293148\/revisions\/1779294183"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media\/1779293151"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media?parent=1779293148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/categories?post=1779293148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/tags?post=1779293148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}