{"id":1779293559,"date":"2026-07-06T16:26:42","date_gmt":"2026-07-06T16:26:42","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-tr\/ayni-anda-iki-altersvorsorgedepot-bu-olanakli-mi\/"},"modified":"2026-10-16T09:50:15","modified_gmt":"2026-10-16T09:50:15","slug":"ayni-anda-iki-altersvorsorgedepot-bu-olanakli-mi","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/blog\/ayni-anda-iki-altersvorsorgedepot-bu-olanakli-mi\/","title":{"rendered":"Ayn\u0131 anda iki Altersvorsorgedepot: bu olanakl\u0131 m\u0131?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779293559\" class=\"elementor elementor-1779293559 elementor-1779288533\">\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=\"1000\" height=\"1000\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2194148422.webp\" class=\"attachment-full size-full wp-image-1779293560\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2194148422.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2194148422-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2194148422-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2194148422-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-2194148422-710x710.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<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 []\">Altersvorsorgedepot (Almanya&#8217;n\u0131n devlet destekli bireysel emeklilik yat\u0131r\u0131m hesab\u0131) ile ilgilenmeye ba\u015flay\u0131nca er ya da ge\u00e7 ayn\u0131 soruyla kar\u015f\u0131la\u015f\u0131rs\u0131n\u0131z: iki s\u00f6zle\u015fme yap\u0131p iki kat devlet deste\u011fi alabilir misiniz?<\/p>\n<p data-pm-slice=\"1 1 []\">Yan\u0131t yar\u0131s\u0131yla do\u011fru, yar\u0131s\u0131yla yanl\u0131\u015f ve belirleyici olan tam bu ayr\u0131m. Yasa ki\u015fi ba\u015f\u0131na iki Altersvorsorgedepot hesab\u0131na izin veriyor. Ancak devlet deste\u011finiz bununla artm\u0131yor. Bunun yerine neyin de\u011fi\u015fti\u011fini, bunun size ger\u00e7ekte ne kazand\u0131rd\u0131\u011f\u0131n\u0131 ve ikinci bir s\u00f6zle\u015fmenin kimin i\u00e7in anlaml\u0131 oldu\u011funu bu rehber a\u00e7\u0131kl\u0131yor.<\/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<\/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 data-pm-slice=\"1 1 []\"> <\/p>\n<p><strong>En \u00f6nemlileri bir bak\u0131\u015fta<\/strong><\/p>\n<ul>\n<li>\n<p>Ki\u015fi ba\u015f\u0131na en \u00e7ok iki Altersvorsorgedepot hesab\u0131na yasal olarak izin verilir. \u00dc\u00e7\u00fcnc\u00fc s\u00f6zle\u015fmeden itibaren destek stat\u00fcs\u00fc d\u00fc\u015fer.<\/p>\n<\/li>\n<li>\n<p>Y\u0131lda <strong>540 \u20ac<\/strong>&#8216;ya kadar temel devlet katk\u0131s\u0131 ki\u015fi ba\u015f\u0131na ge\u00e7erlidir, s\u00f6zle\u015fme ba\u015f\u0131na de\u011fil.<\/p>\n<\/li>\n<li>\n<p>\u0130ki s\u00f6zle\u015fmeyle y\u0131lda <strong>13.680 \u20ac<\/strong>&#8216;ya kadar vergi avantajl\u0131 yat\u0131r\u0131m yapabilirsiniz.<\/p>\n<\/li>\n<li>\n<p>Temel avantaj: kur kazan\u00e7lar\u0131 \u00fczerinde Vorabpauschale yok, hem de her iki s\u00f6zle\u015fmenin desteklenmeyen b\u00f6l\u00fcm\u00fcnde de.<\/p>\n<\/li>\n<li>\n<p>\u0130kinci bir s\u00f6zle\u015fme sizin i\u00e7in ancak y\u0131lda <strong>6.840 \u20ac<\/strong>&#8216;dan fazlas\u0131n\u0131n emeklilik birikiminize akmas\u0131 gerekiyorsa anlaml\u0131d\u0131r.<\/p>\n<\/li>\n<\/ul>\n<p>Ayn\u0131 anda iki Altersvorsorgedepot hesab\u0131 y\u00fcr\u00fct\u00fcrseniz y\u0131lda <strong>13.680 \u20ac<\/strong>&#8216;ya kadar\u0131n\u0131 vergi avantajl\u0131 bir \u00e7er\u00e7eveye koyabilirsiniz. <strong>540 \u20ac<\/strong>&#8216;ya kadar devlet katk\u0131s\u0131n\u0131 bu arada, \u00f6demelerinizi bir ya da iki s\u00f6zle\u015fmeye b\u00f6lmenizden ba\u011f\u0131ms\u0131z olarak <strong>yine yaln\u0131zca bir kez<\/strong> al\u0131rs\u0131n\u0131z.<\/p>\n<h2>Yasan\u0131n izin verdi\u011fi: iki s\u00f6zle\u015fme kural\u0131<\/h2>\n<p>Altersvorsorgereformgesetz (2026) uyar\u0131nca ki\u015fi ba\u015f\u0131na ayn\u0131 anda en \u00e7ok iki Altersvorsorgedepot hesab\u0131na izin verilir. Her s\u00f6zle\u015fmeye y\u0131lda <strong>6.840 \u20ac<\/strong>&#8216;ya kadar \u00f6deme yapabilirsiniz. \u0130ki s\u00f6zle\u015fmede azami y\u0131ll\u0131k \u00f6deme hacminiz b\u00f6ylece <strong>13.680 \u20ac<\/strong> olur.<\/p>\n<p>\u00dc\u00e7\u00fcnc\u00fc s\u00f6zle\u015fmede hukuki durum temelden de\u011fi\u015fir. Art\u0131k sertifikal\u0131 bir emeklilik s\u00f6zle\u015fmesi say\u0131lmaz ve bu y\u00fczden devlet\u00e7e desteklenmez. Yani iki s\u00f6zle\u015fme s\u0131n\u0131r\u0131 sert bir yasal engeldir, bir \u00f6neri de\u011fil.<\/p>\n<h2>\u0130ki s\u00f6zle\u015fmede devlet deste\u011fi: ne de\u011fi\u015fir, ne kal\u0131r<\/h2>\n<p>En s\u0131k yap\u0131lan yanl\u0131\u015f varsay\u0131m: bir\u00e7ok ki\u015fi ikinci bir s\u00f6zle\u015fmenin deste\u011fi ikiye katlad\u0131\u011f\u0131n\u0131 san\u0131yor. Bu do\u011fru de\u011fil.<\/p>\n<p>Devletin temel katk\u0131s\u0131 y\u0131lda <strong>540 \u20ac<\/strong>&#8216;ya kadard\u0131r, hem de ki\u015fi ba\u015f\u0131na, s\u00f6zle\u015fme ba\u015f\u0131na de\u011fil. Desteklenen kendi katk\u0131n\u0131z da, onu bir ya da iki s\u00f6zle\u015fmeye b\u00f6lmeniz fark etmeksizin y\u0131lda <strong>1.800 \u20ac<\/strong> d\u00fczeyinde kal\u0131r. \u00d6zel gider indirimi de ki\u015fi ba\u015f\u0131na s\u0131n\u0131rl\u0131d\u0131r.<\/p>\n<p><strong>1.800 \u20ac<\/strong>&#8216;yu iki s\u00f6zle\u015fmeye b\u00f6lerseniz, \u00f6rne\u011fin A s\u00f6zle\u015fmesine 900 euro ve B s\u00f6zle\u015fmesine 900 euro, 1.800 euroyu tek bir s\u00f6zle\u015fmeye \u00f6deyen biriyle ayn\u0131 deste\u011fi al\u0131rs\u0131n\u0131z. B\u00f6l\u00fc\u015ft\u00fcrme, toplam destek tutar\u0131n\u0131 de\u011fi\u015ftirmez.<\/p>\n<h2>Ger\u00e7ek avantaj: ikinci bir s\u00f6zle\u015fme ger\u00e7ekte ne kazand\u0131r\u0131r<\/h2>\n<p>Destek artm\u0131yorsa ikinci bir s\u00f6zle\u015fme neden anlaml\u0131 olabilir ki?<\/p>\n<p>Yan\u0131t vergi ertelemesinde. Altersvorsorgedepot&#8217;ta Vorabpauschale do\u011fmaz. Normal bir ETF hesab\u0131nda her y\u0131l fonlar\u0131n hesaplanan getirileri \u00fczerinden g\u00f6t\u00fcr\u00fc bir vergi, s\u00f6zde Vorabpauschale \u00f6denir. Altersvorsorgedepot&#8217;ta bu t\u00fcm\u00fcyle ortadan kalkar. Ve bu avantaj yaln\u0131zca \u00f6demelerinizin desteklenen b\u00f6l\u00fcm\u00fc i\u00e7in de\u011fil, s\u00f6zle\u015fme ba\u015f\u0131na <strong>6.840 \u20ac<\/strong> azami tutar\u0131na kadar hesaptaki b\u00fct\u00fcn bakiyeniz i\u00e7in ge\u00e7erlidir.<\/p>\n<p>\u0130ki s\u00f6zle\u015fmeyle yani y\u0131lda <strong>13.680 \u20ac<\/strong>&#8216;ya kadar\u0131 bu vergi erteleme etkisinden yararlan\u0131r: do\u011frudan devlet katk\u0131s\u0131 olan <strong>1.800 \u20ac<\/strong> ve devlet katk\u0131s\u0131 olmayan ama gene de y\u0131ll\u0131k Vorabpauschale&#8217;siz <strong>11.880 \u20ac<\/strong>.<\/p>\n<p><strong>K\u0131saca \u00f6zetle: <\/strong>\u0130kinci bir s\u00f6zle\u015fmenin nedeni daha y\u00fcksek destek de\u011fil, daha b\u00fcy\u00fck vergi avantajl\u0131 yat\u0131r\u0131m hacmidir. Uzun bir birikim a\u015famas\u0131 boyunca bu, sizin i\u00e7in \u00f6l\u00e7\u00fclebilir bir fark yaratabilir.<\/p>\n<h2>\u0130kinci bir s\u00f6zle\u015fme ne zaman de\u011fer?<\/h2>\n<p>\u0130kinci bir Altersvorsorgedepot sizin i\u00e7in, emeklilik birikiminize y\u0131lda <strong>6.840 \u20ac<\/strong>&#8216;dan fazla yat\u0131rmak istiyorsan\u0131z ve maliyetleri d\u00fc\u015f\u00fck bir sa\u011flay\u0131c\u0131 se\u00e7iyorsan\u0131z anlam ta\u015f\u0131r. Vergi avantajlar\u0131 ancak uygun ko\u015fullarda eksik esnekli\u011fe a\u011f\u0131r basar.<\/p>\n<p>Y\u0131ll\u0131k birikim hacminiz <strong>6.840 \u20ac<\/strong>&#8216;nun alt\u0131ndaysa ikinci bir s\u00f6zle\u015fme sizin i\u00e7in de\u011fmez. Tek bir s\u00f6zle\u015fme o zaman t\u00fcm\u00fcyle yeter.<\/p>\n<p>Bir \u015feye daha dikkat etmelisiniz: Altersvorsorgedepot&#8217;taki sermayeniz emeklilik ya\u015f\u0131na kadar ba\u011fl\u0131d\u0131r. Vadesinden \u00f6nce \u00e7ekim kural olarak devlet katk\u0131lar\u0131n\u0131 ve vergi avantajlar\u0131n\u0131 geri \u00f6demeniz gerekti\u011fi anlam\u0131na gelir. \u00dcst s\u0131n\u0131r\u0131n \u00f6tesindeki tutar i\u00e7in esnekli\u011fe ihtiyac\u0131n\u0131z varsa, ek ve desteklenmeyen bir ETF hesab\u0131yla belki daha iyi yol al\u0131rs\u0131n\u0131z. Orada para her zaman kullan\u0131m\u0131n\u0131za a\u00e7\u0131kt\u0131r.<\/p>\n<p><strong>K\u0131saca \u00f6zetle:<\/strong> \u0130kinci bir s\u00f6zle\u015fme ancak y\u0131ll\u0131k birikim hacmi <strong>6.840 \u20ac<\/strong>&#8216;nun \u00fczerindeyse ve sa\u011flay\u0131c\u0131 maliyetleri uygunsa de\u011fer. Di\u011fer herkese tek bir s\u00f6zle\u015fme t\u00fcm\u00fcyle yeter.<\/p>\n<p><\/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-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 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 rakamlar\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-3ae04a2 e-flex e-con-boxed e-con e-parent\" data-id=\"3ae04a2\" 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-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 []\">Sonu\u00e7<\/h2>\n<p>Ayn\u0131 anda iki Altersvorsorgedepot y\u00fcr\u00fctmeye izin var, ancak bu devlet deste\u011finizi ikiye katlaman\u0131n bir yolu de\u011fil. Ger\u00e7ek yarar, Vorabpauschale&#8217;nin desteklenmeyen b\u00f6l\u00fcmde de ortadan kalkmas\u0131 sayesinde y\u0131lda <strong>13.680 \u20ac<\/strong>&#8216;ya kadar geni\u015fleyen vergi avantajl\u0131 yat\u0131r\u0131m hacmindedir. Birikim yapanlar\u0131n \u00e7o\u011fu i\u00e7in tek bir s\u00f6zle\u015fme t\u00fcm\u00fcyle yeter. Belirgin bi\u00e7imde daha fazlas\u0131n\u0131 yat\u0131rmak istiyor ve uygun ko\u015fullar buluyorsan\u0131z, ikinci bir s\u00f6zle\u015fmeyle ek bir vergi kald\u0131rac\u0131n\u0131z olur.<\/p>\n<p>Ocak 2027&#8217;den itibaren sa\u011flay\u0131c\u0131lar Altersvorsorgedepot&#8217;u piyasaya s\u00fcrebilir. \u0130lk ko\u015fullar belirlenir belirlenmez sizi do\u011frudan bilgilendiririz.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7261abf elementor-widget elementor-widget-keydesign-button\" data-id=\"7261abf\" 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-0ef59e4 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"0ef59e4\" 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\">\u0130ki Altersvorsorgedepot hakk\u0131nda SSS<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf54e54 elementor-widget elementor-widget-n-accordion\" data-id=\"bf54e54\" 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-2000\" 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-2000\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> \u0130ki Altersvorsorgedepot hesab\u0131n\u0131 farkl\u0131 sa\u011flay\u0131c\u0131larda y\u00fcr\u00fctebilir miyim? <\/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-2000\" class=\"elementor-element elementor-element-d9dcd90 e-con-full e-flex e-con e-child\" data-id=\"d9dcd90\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe4f3ad elementor-widget elementor-widget-text-editor\" data-id=\"fe4f3ad\" 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, bu ilke olarak olanakl\u0131. Yasa, iki s\u00f6zle\u015fmenin ayn\u0131 sa\u011flay\u0131c\u0131da bulunmas\u0131 gerekti\u011fini \u00f6ng\u00f6rm\u00fcyor. 2027&#8217;den itibaren somut olarak hangi sa\u011flay\u0131c\u0131lar\u0131n bulunaca\u011f\u0131 ve hangi ko\u015fullarla, piyasaya giri\u015fte g\u00f6r\u00fclecek.<\/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-2001\" 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-2001\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> \u0130ki s\u00f6zle\u015fmede iki kat \u00e7ocuk katk\u0131s\u0131 al\u0131r m\u0131y\u0131m? <\/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-2001\" class=\"elementor-element elementor-element-bdca64d e-con-full e-flex e-con e-child\" data-id=\"bdca64d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61f755c elementor-widget elementor-widget-text-editor\" data-id=\"61f755c\" 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. <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/blog\/altersvorsorgedepotta-cocuk-katkisi-cocuk-basina-300-euroyu-kim-alir\/\" data-wpil-monitor-id=\"29\">\u00c7ocuk ba\u015f\u0131na ve y\u0131lda 300 euroya kadar \u00e7ocuk katk\u0131s\u0131<\/a> da ki\u015fi ba\u015f\u0131na ge\u00e7erli, s\u00f6zle\u015fme ba\u015f\u0131na de\u011fil. \u0130kinci bir s\u00f6zle\u015fmeyle artmaz.<\/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-2002\" 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-2002\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot'ta deste\u011fi t\u00fcm\u00fcyle tek bir s\u00f6zle\u015fmeye ba\u011flayabilir miyim? <\/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-2002\" class=\"elementor-element elementor-element-826d06c e-con-full e-flex e-con e-child\" data-id=\"826d06c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d02034 elementor-widget elementor-widget-text-editor\" data-id=\"7d02034\" 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. Destek, iki s\u00f6zle\u015fmeye b\u00f6l\u00fcnmek zorunda de\u011fil. T\u00fcm\u00fcyle tek bir s\u00f6zle\u015fmeye ba\u011flanabilir \u2013 karar, s\u00f6zle\u015fmeyi yapan ki\u015fiye ait.<\/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-2003\" 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-2003\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot'ta \u00fc\u00e7\u00fcnc\u00fc bir s\u00f6zle\u015fme yaparsam ne olur? <\/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-2003\" class=\"elementor-element elementor-element-3f396b8 e-flex e-con-boxed e-con e-child\" data-id=\"3f396b8\" 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-265e403 elementor-widget elementor-widget-text-editor\" data-id=\"265e403\" 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 []\">\u00dc\u00e7\u00fcnc\u00fc bir Altersvorsorgedepot s\u00f6zle\u015fmesi, g\u00fcncel yasal duruma g\u00f6re sertifikal\u0131 bir emeklilik s\u00f6zle\u015fmesi say\u0131lmaz ve buna uygun olarak devlet\u00e7e desteklenmez.<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2004\" 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-2004\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Bir Altersvorsorgedepot hesab\u0131na y\u0131lda 1.800 eurodan fazla \u00f6demeye de\u011fer 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-2004\" class=\"elementor-element elementor-element-79ff143 e-flex e-con-boxed e-con e-child\" data-id=\"79ff143\" 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-bcf0093 elementor-widget elementor-widget-text-editor\" data-id=\"bcf0093\" 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 []\">Sa\u011flay\u0131c\u0131n\u0131n maliyetleri yeterince d\u00fc\u015f\u00fckse ilke olarak evet. S\u00f6zle\u015fme ba\u015f\u0131na 6.840 euroya kadar\u0131, Vorabpauschale&#8217;nin kalkmas\u0131 yoluyla vergi ertelemesinden yararlan\u0131r. Bu avantaj\u0131n eksik esnekli\u011fe a\u011f\u0131r bas\u0131p basmad\u0131\u011f\u0131 ki\u015fisel duruma ba\u011fl\u0131.<\/p>\n<h2> <\/h2>\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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2005\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2005\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Ayn\u0131 anda hem Altersvorsorgedepot hem Riester sahibi olabilir miyim? <\/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-2005\" class=\"elementor-element elementor-element-fda17ac e-flex e-con-boxed e-con e-child\" data-id=\"fda17ac\" 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-0dc188f elementor-widget elementor-widget-text-editor\" data-id=\"0dc188f\" 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<p>Evet. Mevcut bir Riester s\u00f6zle\u015fmesi Altersvorsorgedepot\u2019un yan\u0131 s\u0131ra aynen devam eder, ikisinin ayn\u0131 anda bulunmas\u0131 sorun de\u011fil. 2027\u2019den itibaren isterseniz Riester birikiminizi devlet deste\u011fini kaybetmeden Altersvorsorgedepot\u2019a aktarabilirsiniz. Ge\u00e7i\u015fin tam olarak nas\u0131l i\u015fledi\u011fi <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/riester-gecisi\/\">Riester ge\u00e7i\u015fi<\/a> rehberimizde anlat\u0131l\u0131yor.<\/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\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\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-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\">Yazar 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\">Rolf Henning Hackel<\/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>Hukuk\u00e7u &amp; finans piyasas\u0131 uzman\u0131 \u00b7 AVD Anbieter Vergleich<\/strong><\/p>\n<p>Rolf Henning Hackel diploma sahibi hukuk\u00e7udur ve 22 y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir finans sekt\u00f6r\u00fcn\u00fcn 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 \u00e7al\u0131\u015fmaktad\u0131r. Tam bir piyasa uzman\u0131 olarak yaln\u0131zca farkl\u0131 sa\u011flay\u0131c\u0131lar\u0131 de\u011fil, finans sekt\u00f6r\u00fcn\u00fcn \u00fcr\u00fcnlerini g\u00fc\u00e7l\u00fc ve zay\u0131f y\u00f6nleriyle ve bunlar\u0131n d\u00fczenleyici \u00e7er\u00e7evesini de bilmektedir. AVD Anbieter Vergleich&#8217;te yeni Altersvorsorgedepot hakk\u0131nda yaz\u0131yor; devlet deste\u011fini, sa\u011flay\u0131c\u0131lar\u0131 ve getiri \u015fanslar\u0131n\u0131 anla\u015f\u0131l\u0131r s\u00f6zc\u00fcklerle 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-37b820d e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"37b820d\" 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\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\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<\/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=\"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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Altersvorsorgedepot ile ilgilenmeye ba\u015flay\u0131nca er ya da ge\u00e7 ayn\u0131 soruyla kar\u015f\u0131la\u015f\u0131rs\u0131n\u0131z: iki s\u00f6zle\u015fme yap\u0131p iki kat devlet deste\u011fi alabilir misiniz?<\/p>\n","protected":false},"author":2,"featured_media":1779293560,"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":"Ayn\u0131 anda iki Altersvorsorgedepot: avantajlar ve kurallar | AVD Kar\u015f\u0131la\u015ft\u0131rma","_metasync_seo_desc":"Altersvorsorgedepot: ayn\u0131 anda iki hesap tutmak olanakl\u0131 m\u0131? Kurallar, avantajlar ve ikinci hesab\u0131n de\u011fip de\u011fmedi\u011fi.","_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":[101],"tags":[],"class_list":["post-1779293559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293559","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/comments?post=1779293559"}],"version-history":[{"count":5,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293559\/revisions"}],"predecessor-version":[{"id":1779294244,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293559\/revisions\/1779294244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media\/1779293560"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media?parent=1779293559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/categories?post=1779293559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/tags?post=1779293559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}