{"id":1779293171,"date":"2026-08-01T08:26:14","date_gmt":"2026-08-01T08:26:14","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-tr\/helal-altersvorsorgedepot-seriata-uygun-bir-etf-devlet-destekli-hesaba-uyar-mi\/"},"modified":"2026-10-16T10:09:20","modified_gmt":"2026-10-16T10:09:20","slug":"helal-altersvorsorgedepot-seriata-uygun-bir-etf-devlet-destekli-hesaba-uyar-mi","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/blog\/helal-altersvorsorgedepot-seriata-uygun-bir-etf-devlet-destekli-hesaba-uyar-mi\/","title":{"rendered":"Helal Altersvorsorgedepot: \u015eeriata uygun bir ETF devlet destekli hesaba uyar m\u0131?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779293171\" class=\"elementor elementor-1779293171 elementor-1779290188\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51ec1b7 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"51ec1b7\" 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-8ff4d0a e-con-full e-flex e-con e-child\" data-id=\"8ff4d0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d83c470 elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"d83c470\" 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=\"1080\" height=\"1080\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt.webp\" class=\"attachment-full size-full wp-image-1779293172\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt.webp 1080w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-1024x1024.webp 1024w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/08\/altersvorsorgedepot-familie-vielfalt-710x710.webp 710w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\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<div class=\"elementor-element elementor-element-2851574 e-con-full e-flex e-con e-child\" data-id=\"2851574\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8c272d elementor-widget elementor-widget-text-editor\" data-id=\"b8c272d\" 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 data-pm-slice=\"1 1 []\">Almanya&#8217;da milyonlarca M\u00fcsl\u00fcman kad\u0131n ve erkek \u00e7al\u0131\u015f\u0131yor, vergi \u00f6d\u00fcyor ve b\u00f6ylece yeni Altersvorsorgedepot (Almanya&#8217;n\u0131n devlet destekli bireysel emeklilik yat\u0131r\u0131m hesab\u0131) i\u00e7in esasen devlet deste\u011fine hak kazan\u0131yor. Yine de pek \u00e7o\u011fu i\u00e7in, bu konuda \u00e7o\u011fu yerde eksik kalan bir soru ortaya \u00e7\u0131k\u0131yor: Bu hesap kendi dini ilkeleriyle ba\u011fda\u015ft\u0131r\u0131labilir mi?<\/p>\n<p>Bu soru bir dipnot de\u011fil. Net bir yan\u0131t ve uygun \u00fcr\u00fcnleri hedefli bi\u00e7imde arama olana\u011f\u0131 olmadan, n\u00fcfusun bir b\u00f6l\u00fcm\u00fc son on y\u0131llar\u0131n en c\u00f6mert devlet desteklerinden birinin fiilen d\u0131\u015f\u0131nda kal\u0131yor. \u015eeriata uygun bir Altersvorsorgedepot&#8217;ta neyin \u00f6nemli oldu\u011funu g\u00f6steriyoruz.<\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46c3030 elementor-widget elementor-widget-text-editor\" data-id=\"46c3030\" 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\/1779293171\/\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-7260-btn\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-controls=\"avd-ki-7260-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-7260-menu\"\n\t\t\trole=\"menu\"\n\t\t\taria-labelledby=\"avd-ki-7260-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 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0-.39.68v6.72Zm1.1-2.37 2.6-1.5 2.61 1.5v3l-2.6 1.5-2.61-1.5v-3Z\" \/><\/svg><\/span>\n\t\t\t\t\t<span>ChatGPT<\/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 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%2F1779293171%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%2F1779293171%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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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<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>K\u0131saca en \u00f6nemlileri<\/strong><\/p>\n<ul data-pm-slice=\"3 3 []\">\n<li>\n<p>Bir Altersvorsorgedepot, se\u00e7ilen ETF buna uygun \u015fekilde sertifikal\u0131ysa esasen \u015feriata uygun bi\u00e7imde de beslenebilir.<\/p>\n<\/li>\n<li>\n<p>\u015eeriata uygunluk her \u015feyden \u00f6nce \u015fu anlama gelir: faiz i\u015flemi yok (Riba), yasakl\u0131 sekt\u00f6rler yok (Haram) ve y\u00fcksek spek\u00fclatif kurgular yok (Gharar).<\/p>\n<\/li>\n<li>\n<p>Bir \u201es\u00fcrd\u00fcr\u00fclebilir&#8221; ya da ESG etiketi, \u015feriat sertifikasyonunun yerine ge\u00e7mez. \u0130ki \u00f6l\u00e7\u00fct k\u00fcmesi yaln\u0131zca k\u0131smen \u00f6rt\u00fc\u015f\u00fcr.<\/p>\n<\/li>\n<li>\n<p>Hedefli bir kar\u015f\u0131la\u015ft\u0131rma olmadan, her sa\u011flay\u0131c\u0131 tek tek, birikim plan\u0131 sunumunda helal bir fon bulunup bulunmad\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan incelenmek zorundad\u0131r.<\/p>\n<\/li>\n<\/ul>\n<p data-pm-slice=\"1 1 []\">Helal Altersvorsorgedepot, yaln\u0131zca \u0130slami ilkelere g\u00f6re sertifikal\u0131 fonlar\u0131n beslendi\u011fi bir hesapt\u0131r; \u00f6rne\u011fin faiz getirisi olmayan ve yasakl\u0131 sekt\u00f6rlerde pay\u0131 bulunmayan hisse senedi ETF&#8217;leri. Sertifikasyonu ba\u011f\u0131ms\u0131z bir \u015eeriat Kurulu \u00fcstlenir.<\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a026541 elementor-widget elementor-widget-keydesign-button\" data-id=\"a026541\" data-element_type=\"widget\" data-e-type=\"widget\" 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=\"bekleme listesine\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#newsletter\/\"><span class=\"kd-button__label\">bekleme listesine<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ae04a2 e-con-full e-flex e-con e-parent\" data-id=\"3ae04a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f85655 elementor-widget elementor-widget-text-editor\" data-id=\"5f85655\" 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 data-pm-slice=\"1 1 []\">Yat\u0131r\u0131mda &#8220;\u015feriata uygun&#8221; ne anlama gelir?<\/h2>\n<p>\u0130nan\u00e7l\u0131 M\u00fcsl\u00fcman kad\u0131n ve erkekler i\u00e7in yat\u0131r\u0131m, genel s\u00fcrd\u00fcr\u00fclebilirlik \u00f6l\u00e7\u00fctlerinin \u00f6tesine ge\u00e7en dini kurallara tabidir. Burada d\u00f6rt ilke merkezidir.<\/p>\n<p><strong>Faiz yasa\u011f\u0131 (Riba):<\/strong> A\u011f\u0131rl\u0131kl\u0131 olarak faiz getirisine dayanan yat\u0131r\u0131mlara izin verilmez. Bu, klasik tahvilleri oldu\u011fu kadar y\u00fcksek bor\u00e7lu \u015firketleri veya klasik bankalar\u0131 ve sigortac\u0131lar\u0131 da ilgilendirir.<\/p>\n<p><strong>Belirli sekt\u00f6rlerin d\u0131\u015flanmas\u0131 (Haram):<\/strong> Alkol, kumar, domuz eti i\u015fleme, pornografi ve silah sanayisi alanlar\u0131ndaki \u015firketler kapsam d\u0131\u015f\u0131 kal\u0131r. Ayn\u0131s\u0131, i\u015f modeli merkezi olarak faiz getirisine dayand\u0131\u011f\u0131 i\u00e7in klasik, \u0130slami olmayan bankac\u0131l\u0131k ve sigortac\u0131l\u0131k i\u00e7in de ge\u00e7erlidir.<\/p>\n<p><strong>Bor\u00e7luluk s\u0131n\u0131rlar\u0131 ve getiri denetimi:<\/strong> Esasen izin verilen \u015firketler de ayr\u0131ca, bor\u00e7lar\u0131n \u015firket de\u011ferine oran\u0131 gibi rasyolara g\u00f6re incelenir. Bir \u015firket k\u00fc\u00e7\u00fck bir oranda izin verilmeyen getiri i\u00e7eriyorsa, bu pay hesapsal olarak ar\u0131nd\u0131r\u0131l\u0131r ve hay\u0131r ama\u00e7l\u0131 bir yere aktar\u0131l\u0131r (Purification).<\/p>\n<p><strong>Spek\u00fclasyon ilkesi yok (Gharar):<\/strong> Y\u00fcksek spek\u00fclatif veya \u015feffaf olmayan kurgular sorunlu say\u0131l\u0131r. Bu, i\u00e7erik olarak Altersvorsorgedepot&#8217;un ard\u0131ndaki genel yat\u0131r\u0131mc\u0131 koruma d\u00fc\u015f\u00fcncesiyle bile \u00f6rt\u00fc\u015f\u00fcr.<\/p>\n<p><strong>K\u0131saca \u00f6zetle:<\/strong> \u015eeriata uygunluk somut olarak \u015fu demektir: faiz i\u015flemi yok, yasakl\u0131 sekt\u00f6rler yok, bor\u00e7luluk s\u0131n\u0131rlar\u0131 denetlenmi\u015f ve Gharar yok. Bunu ba\u011f\u0131ms\u0131z bir \u015eeriat Kurulu sertifikasyonla teyit eder, bir ESG etiketi bunun i\u00e7in yeterli de\u011fildir.<\/p>\n<h2>Bir helal ETF Altersvorsorgedepot&#8217;a uyar m\u0131?<\/h2>\n<p>\u0130yi haberi ba\u015ftan s\u00f6yleyelim: Hukuken buna kar\u015f\u0131 \u00e7ok az \u015fey var. Altersvorsorgedepot, 1 ile 5 aras\u0131 risk s\u0131n\u0131flar\u0131ndaki (Synthetic Risk and Reward Indicator, SRRI uyar\u0131nca) geni\u015f da\u011f\u0131t\u0131lm\u0131\u015f fonlara izin veren yasal bir pozitif listeyle \u00e7al\u0131\u015f\u0131r.<\/p>\n<p>\u015eeriata uygun hisse senedi ETF&#8217;leri, \u00f6rne\u011fin MSCI World Islamic Index \u00fczerine kurulu yat\u0131r\u0131m fonlar\u0131, yap\u0131sal olarak tamamen normal, geni\u015f \u00e7e\u015fitlendirilmi\u015f endeks fonlar\u0131d\u0131r. Konvansiyonel d\u00fcnya ETF&#8217;lerinden \u00f6z\u00fcnde yaln\u0131zca i\u00e7erdikleri \u015firketlerin dini gerek\u00e7eli se\u00e7imi ve a\u011f\u0131rl\u0131kland\u0131r\u0131lmas\u0131yla ayr\u0131l\u0131rlar, risk s\u0131n\u0131f\u0131 veya fon yap\u0131s\u0131yla de\u011fil. De\u011ferlendirme i\u00e7in bir \u00f6rnek, tavsiye de\u011fil: iShares MSCI World Islamic UCITS ETF, Almanya&#8217;da y\u0131llard\u0131r d\u00fczenli olarak i\u015flem g\u00f6rebiliyor<mark data-color=\"#FFFFFF\">.<\/mark><\/p>\n<p>Belirli bir sa\u011flay\u0131c\u0131n\u0131n b\u00f6yle bir fonu ger\u00e7ekten hesab\u0131n birikim plan\u0131 sunumuna al\u0131p almayaca\u011f\u0131 ise ba\u015fka bir konu. Birikim yapan biri olarak sizin i\u00e7in as\u0131l ara\u015ft\u0131rma y\u00fck\u00fcn\u00fcn ba\u015flad\u0131\u011f\u0131 nokta tam buras\u0131d\u0131r.<\/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-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\"><span class=\"kd-heading__label\">hesaplay\u0131c\u0131<\/span><h3 class=\"kd-heading__title\">Altersvorsorgedepot size ne sa\u011fl\u0131yor?<\/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-499b774 e-con-full e-flex e-con e-child\" data-id=\"499b774\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4325a8a animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"4325a8a\" 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-2782f7e e-con-full e-flex e-con e-parent\" data-id=\"2782f7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a635d elementor-widget elementor-widget-text-editor\" data-id=\"c1a635d\" 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 data-pm-slice=\"1 1 []\">Sa\u011flay\u0131c\u0131 sunumuna hedefli bir bak\u0131\u015f neden i\u015fe yar\u0131yor<\/h2>\n<p>\u015eeriata uygun \u00fcr\u00fcnleri hedefli bi\u00e7imde arama olana\u011f\u0131 olmadan, her sa\u011flay\u0131c\u0131 tek tek, birikim plan\u0131 evreninde hi\u00e7 helal ETF bulunup bulunmad\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan taranmak zorunda kal\u0131r. Konuya uzak ki\u015filer i\u00e7in bu, muazzam bir ara\u015ft\u0131rma y\u00fck\u00fcd\u00fcr.<\/p>\n<p>Bu olanak eksik oldu\u011funda ger\u00e7ek bir ikilem do\u011far: Ya y\u0131lda 540 euroya kadar temel devlet katk\u0131s\u0131 art\u0131 \u00e7ocuk katk\u0131s\u0131ndan olu\u015fan cazip devlet deste\u011finden vazge\u00e7mek ya da kendi dini ilkelerine ayk\u0131r\u0131 yat\u0131r\u0131m yapmak. A\u00e7\u0131k\u00e7a geni\u015f toplum kesimleri i\u00e7in d\u00fc\u015f\u00fcn\u00fclm\u00fc\u015f bir \u00fcr\u00fcn a\u00e7\u0131s\u0131ndan ikisi de k\u00f6t\u00fc bir sonu\u00e7.<\/p>\n<p>Salt bir evet-hay\u0131r bilgisi bunun i\u00e7in yeterli de\u011fil. Ayr\u0131ca somut \u015eeriat Kurulu, sertifikasyon mercii, getiri ar\u0131nd\u0131rmas\u0131n\u0131n metodolojisi ve cari maliyetler gibi bilgiler de \u00f6nemli.<\/p>\n<p>Hedefli bir kar\u015f\u0131la\u015ft\u0131rma, size ki\u015fisel olarak y\u00f6n g\u00f6stermekten fazlas\u0131n\u0131 sa\u011flar. Helal se\u00e7eneklere y\u00f6nelik talep g\u00f6r\u00fcn\u00fcr ve sa\u011flay\u0131c\u0131lar aras\u0131nda kar\u015f\u0131la\u015ft\u0131r\u0131labilir hale gelirse, sa\u011flay\u0131c\u0131lar\u0131n kendisi i\u00e7in de ilgili fonlar\u0131 ger\u00e7ekten birikim plan\u0131 sunumuna alma y\u00f6n\u00fcnde ekonomik bir te\u015fvik do\u011far. Piyasa \u015feffafl\u0131\u011f\u0131 b\u00f6ylece dolayl\u0131 olarak piyasa bask\u0131s\u0131 da yarat\u0131r.<\/p>\n<p>Aileler i\u00e7in bir soru daha ekleniyor: <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepot-cocuk-katkisi-cocuk-basina-yilda-300-euro\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u00e7ocuk katk\u0131s\u0131n\u0131n<\/a> da \u015feriata uygun bir \u00fcr\u00fcne yat\u0131r\u0131labilip yat\u0131r\u0131lamayaca\u011f\u0131. Konunun temellerini <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/devlet-destegi\/\" target=\"_blank\" rel=\"noopener noreferrer\">destek hakk\u0131<\/a> ba\u015fl\u0131\u011f\u0131 alt\u0131nda ayr\u0131nt\u0131l\u0131 olarak a\u00e7\u0131klad\u0131k. Genel olarak hangi ETF tiplerinin bu hesaba uygun oldu\u011funu ise \u015furada g\u00f6steriyoruz: <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-etf-yeni-emeklilik-birikiminin-kalbi\/\" target=\"_blank\" rel=\"noopener noreferrer\">Altersvorsorgedepot&#8217;a uygun ETF&#8217;ler<\/a>.<\/p>\n<p><strong>K\u0131saca \u00f6zetle:<\/strong> Hedefli bir kar\u015f\u0131la\u015ft\u0131rma olmadan t\u00fcm ara\u015ft\u0131rma riski yaln\u0131zca sizde kal\u0131r; ya devlet deste\u011finden ya da kendi dini ilkelerinizden vazge\u00e7me tehlikesiyle. Ger\u00e7ek bir helal filtreleme i\u015flevi olan uzmanla\u015fm\u0131\u015f, \u015feffaf bir kar\u015f\u0131la\u015ft\u0131rma bu karar\u0131 ancak pratikte m\u00fcmk\u00fcn k\u0131lar.<\/p>\n<h2>Sonu\u00e7<\/h2>\n<p>Altersvorsorgedepot, M\u00fcsl\u00fcman birikim sahipleri i\u00e7in de herkes kadar b\u00fcy\u00fck bir olanak olabilir; yeter ki uygun ve dinen kabul edilebilir \u00fcr\u00fcnlere eri\u015fim, tek tek sa\u011flay\u0131c\u0131lar\u0131n \u00fcr\u00fcn yelpazesinin rastlant\u0131s\u0131na b\u0131rak\u0131lmas\u0131n. Ger\u00e7ek bir helal filtreleme i\u015flevi olan hedefli bir kar\u015f\u0131la\u015ft\u0131rma bunun i\u00e7in ek bir ayr\u0131nt\u0131 de\u011fil, \u00f6n ko\u015fuldur.<\/p>\n<p><strong>\u015eimdi bekleme listemize kaydolun ve \u015feriata uygun Altersvorsorgedepot sunan sa\u011flay\u0131c\u0131lar yola \u00e7\u0131kt\u0131\u011f\u0131nda ilk \u00f6\u011frenen siz olun.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c14d6 elementor-widget elementor-widget-keydesign-button\" data-id=\"b2c14d6\" data-element_type=\"widget\" data-e-type=\"widget\" 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=\"bekleme listesine\" href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#newsletter\/\"><span class=\"kd-button__label\">bekleme listesine<\/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 class=\"elementor-element elementor-element-ddde3c7 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"ddde3c7\" 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\">S\u0131k sorulan sorular<\/span><h2 class=\"kd-heading__title\">\u015eeriata uygun Altersvorsorgedepot hakk\u0131nda SSS<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-790f0d7 elementor-widget elementor-widget-n-accordion\" data-id=\"790f0d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1260\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1260\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot esasen \u0130slam ile ba\u011fda\u015f\u0131yor mu? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1260\" class=\"elementor-element elementor-element-5c3c0f4 e-con-full e-flex e-con e-child\" data-id=\"5c3c0f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d93875 elementor-widget elementor-widget-text-editor\" data-id=\"9d93875\" 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 data-pm-slice=\"1 1 []\">Evet, se\u00e7ilen fonlar \u015feriata uygun olarak sertifikal\u0131ysa. Hesab\u0131n yasal pozitif listesi, 1 ile 5 aras\u0131 risk s\u0131n\u0131flar\u0131ndaki (Synthetic Risk and Reward Indicator, SRRI uyar\u0131nca) geni\u015f da\u011f\u0131t\u0131lm\u0131\u015f yat\u0131r\u0131m fonlar\u0131na ve ETF&#8217;lere izin veriyor \u2013 \u00f6rne\u011fin MSCI World Islamic Index \u00fczerine kurulu fonlar gibi helal ETF&#8217;ler bu \u00f6l\u00e7\u00fctleri kar\u015f\u0131l\u0131yor, \u00e7\u00fcnk\u00fc yap\u0131sal olarak normal, geni\u015f da\u011f\u0131t\u0131lm\u0131\u015f endeks fonlar\u0131d\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1261\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1261\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Bir helal ETF'yi klasik bir d\u00fcnya ETF'sinden ay\u0131ran nedir? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1261\" class=\"elementor-element elementor-element-e328284 e-con-full e-flex e-con e-child\" data-id=\"e328284\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cad7d47 elementor-widget elementor-widget-text-editor\" data-id=\"cad7d47\" 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 data-pm-slice=\"1 1 []\">Bir helal ETF, faiz a\u011f\u0131rl\u0131kl\u0131 veya dinen yasakl\u0131 sekt\u00f6rlerdeki \u015firketleri d\u0131\u015flar ve ba\u011f\u0131ms\u0131z bir \u015eeriat Kurulu taraf\u0131ndan sertifikaland\u0131r\u0131l\u0131r. Yap\u0131 ve risk s\u0131n\u0131f\u0131 klasik d\u00fcnya ETF&#8217;leriyle kar\u015f\u0131la\u015ft\u0131r\u0131labilir kal\u0131r \u2013 bir \u00f6rnek, Almanya&#8217;da y\u0131llard\u0131r d\u00fczenli olarak i\u015flem g\u00f6ren iShares MSCI World Islamic UCITS ETF&#8217;dir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1262\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1262\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Bir ESG ETF'si otomatik olarak \u015feriata da uygun mudur? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1262\" class=\"elementor-element elementor-element-1dca2b3 e-con-full e-flex e-con e-child\" data-id=\"1dca2b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17e748d elementor-widget elementor-widget-text-editor\" data-id=\"17e748d\" 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 data-pm-slice=\"1 1 []\">Hay\u0131r. ESG ve \u015feriat \u00f6l\u00e7\u00fctleri k\u0131smen \u00f6rt\u00fc\u015f\u00fcr, ama birebir ayn\u0131 de\u011fildir. Dini uygunlu\u011fu yaln\u0131zca bir \u015eeriat Kurulu taraf\u0131ndan yap\u0131lan ayr\u0131 bir \u015feriat sertifikasyonu teyit eder.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1263\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1263\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> \u00c7ocuk katk\u0131s\u0131 da \u015feriata uygun bi\u00e7imde yat\u0131r\u0131labilir mi? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1263\" class=\"elementor-element elementor-element-2551bb6 e-con-full e-flex e-con e-child\" data-id=\"2551bb6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea698a0 elementor-widget elementor-widget-text-editor\" data-id=\"ea698a0\" 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 data-pm-slice=\"1 1 []\">Esasen evet, hesab\u0131n tamam\u0131 sertifikal\u0131 bir helal ETF&#8217;ye yat\u0131r\u0131m yap\u0131yorsa. \u00c7ocuk katk\u0131s\u0131n\u0131n kendisine ili\u015fkin ayr\u0131nt\u0131lar\u0131 bu konudaki ayr\u0131 rehberimizde bulabilirsiniz.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1264\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1264\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Bir fonun \u015feriata uygun olup olmad\u0131\u011f\u0131na kim karar verir? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1264\" class=\"elementor-element elementor-element-b046a13 e-con-full e-flex e-con e-child\" data-id=\"b046a13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f954e elementor-widget elementor-widget-text-editor\" data-id=\"f8f954e\" 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 data-pm-slice=\"1 1 []\">Tan\u0131nm\u0131\u015f \u0130slam alimlerinden olu\u015fan ba\u011f\u0131ms\u0131z bir \u015eeriat Kurulu fonu inceler ve sertifikaland\u0131r\u0131r. Bu, bir kalite m\u00fchr\u00fcne benzer bi\u00e7imde i\u015fler.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e5201 elementor-widget elementor-widget-shortcode\" data-id=\"c9e5201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"1779294200\" class=\"elementor elementor-1779294200 elementor-1779288339 elementor-1779288339\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b67f0ea e-con-full e-flex e-con e-child\" data-id=\"1b67f0ea\" 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-18d53674 e-con-full e-flex e-con e-child\" data-id=\"18d53674\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-29e4a3e3 e-con-full e-flex e-con e-child\" data-id=\"29e4a3e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3040b9c1 kd-section-title animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3040b9c1\" 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\">Yazar hakk\u0131nda<\/h5><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2449a1d1 elementor-widget elementor-widget-keydesign-heading\" data-id=\"2449a1d1\" 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\">Rolf Henning Hackel<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1840a956 elementor-widget elementor-widget-text-editor\" data-id=\"1840a956\" 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>Hukuk\u00e7u &#038; finans piyasalar\u0131 uzman\u0131 \u00b7 AVD Sa\u011flay\u0131c\u0131 Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/strong><\/p><p>Rolf Henning Hackel, hukuk diplomas\u0131na sahip bir hukuk\u00e7u ve 22 y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir finans sekt\u00f6r\u00fcndeki farkl\u0131 yaz\u0131l\u0131m hizmet sa\u011flay\u0131c\u0131lar\u0131nda y\u00f6netim kurulu \u00fcyesi ve genel m\u00fcd\u00fcr olarak, ayr\u0131ca \u015firket kurucusu olarak g\u00f6rev yap\u0131yor. Tam bir piyasa uzman\u0131 olarak yaln\u0131zca farkl\u0131 sa\u011flay\u0131c\u0131lar\u0131 de\u011fil, finans sekt\u00f6r\u00fcndeki \u00fcr\u00fcnleri de g\u00fc\u00e7l\u00fc ve zay\u0131f y\u00f6nleriyle birlikte ve bunlar\u0131n d\u00fczenleyici \u00e7er\u00e7evesiyle \u00e7ok iyi biliyor. AVD Sa\u011flay\u0131c\u0131 Kar\u015f\u0131la\u015ft\u0131rmas\u0131\u2019nda yeni emeklilik birikim hesab\u0131 hakk\u0131nda yaz\u0131yor ve te\u015fvikleri, sa\u011flay\u0131c\u0131lar\u0131 ve getiri potansiyelini anla\u015f\u0131l\u0131r bir dille a\u00e7\u0131kl\u0131yor \u2013 ba\u011f\u0131ms\u0131z ve reklams\u0131z.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-044c071 e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"044c071\" 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-701dbb84 e-con-full e-flex e-con e-child\" data-id=\"701dbb84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53b3710e elementor-widget elementor-widget-image\" data-id=\"53b3710e\" 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=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel.webp\" class=\"attachment-large size-large wp-image-1779293303\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/Rolf-Henning-Hackel-710x710.webp 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\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<\/div>\n\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","protected":false},"excerpt":{"rendered":"<p>Almanya&#8217;da milyonlarca M\u00fcsl\u00fcman kad\u0131n ve erkek 2027&#8217;den itibaren devlet deste\u011fine hak kazanacak. Ama bir Altersvorsorgedepot, faiz yasa\u011f\u0131 ve fonun i\u00e7inde ger\u00e7ekte ne oldu\u011fu sorusuyla ba\u011fda\u015f\u0131r m\u0131? Biz inceledik.<\/p>\n","protected":false},"author":2,"featured_media":1779293172,"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":"Helal Altersvorsorgedepot: \u015feriata uygun ETF\u2019ler | AVD Kar\u015f\u0131la\u015ft\u0131rma","_metasync_seo_desc":"\u015eeriata uygun ETF\u2019ler var; soru sertifikasyonda. 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