{"id":1779293628,"date":"2026-07-02T06:42:15","date_gmt":"2026-07-02T06:42:15","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-tr\/altersvorsorgedepot-avantajlari-ve-dezavantajlari-lehte-ve-aleyhte-olanlar\/"},"modified":"2026-10-16T09:50:16","modified_gmt":"2026-10-16T09:50:16","slug":"altersvorsorgedepot-avantajlari-ve-dezavantajlari-lehte-ve-aleyhte-olanlar","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/blog\/altersvorsorgedepot-avantajlari-ve-dezavantajlari-lehte-ve-aleyhte-olanlar\/","title":{"rendered":"Altersvorsorgedepot avantajlar\u0131 ve dezavantajlar\u0131: Lehte ve aleyhte olanlar"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779293628\" class=\"elementor elementor-1779293628 elementor-1779288559\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29b9255 keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"29b9255\" 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-4a12bde e-con-full e-flex e-con e-child\" data-id=\"4a12bde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770eb33 elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"770eb33\" 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-frau-fenster.webp\" class=\"attachment-full size-full wp-image-1779293630\" 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<div class=\"elementor-element elementor-element-ca5e62a e-con-full e-flex e-con e-child\" data-id=\"ca5e62a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76cb9a4 elementor-widget elementor-widget-text-editor\" data-id=\"76cb9a4\" 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 []\">Devletten y\u0131lda 540 euro, vergisiz bir menkul k\u0131ymet hesab\u0131, tam hisse senedi oran\u0131: Altersvorsorgedepot (Almanya&#8217;n\u0131n devlet destekli bireysel emeklilik yat\u0131r\u0131m hesab\u0131), on y\u0131llard\u0131r g\u00f6r\u00fclen en cazip emeklilik \u00fcr\u00fcn\u00fc gibi duruyor. Bir\u00e7ok insan i\u00e7in \u00f6yle de olacak. Buna ra\u011fmen ilk bak\u0131\u015fta g\u00f6rmedi\u011finiz noktalar var. Burada tam olarak onlara birlikte bak\u0131yoruz.<\/p><p>1 Ocak 2027&#8217;den itibaren Altersvorsorgedepot, Almanya&#8217;da devlet destekli bireysel emeklilik birikiminin merkezinde Riester-Rente&#8217;nin yerini al\u0131yor. Avantajlar\u0131 ve dezavantajlar\u0131 \u015fimdiden bilirseniz, ba\u015flang\u0131\u00e7ta sa\u011flam temelli bir karar verirsiniz. \u00dcr\u00fcn \u00f6nerisi olmadan, yaln\u0131zca verilerle.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-557be88 elementor-widget elementor-widget-keydesign-button\" data-id=\"557be88\" 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> <strong>K\u0131saca:<\/strong> Altersvorsorgedepot, 2027&#8217;den itibaren bireysel emeklilik birikiminin merkezinde Riester-Rente&#8217;nin yerini alan, devlet destekli bir menkul k\u0131ymet hesab\u0131d\u0131r. \u0130\u00e7inde tamamen ETF&#8217;lere ve fonlara yat\u0131r\u0131m yapabilirsiniz, kar\u015f\u0131l\u0131\u011f\u0131nda katk\u0131 garantisinden vazge\u00e7ersiniz. Devlet \u00f6demelerinizi y\u0131lda <strong>540 euro<\/strong>ya kadar temel devlet katk\u0131s\u0131 ve \u00e7ocuk ba\u015f\u0131na <strong>300 euro<\/strong>ya kadar \u00e7ocuk katk\u0131s\u0131 ile destekler. Kazan\u00e7lar ve portf\u00f6y ge\u00e7i\u015fleri birikim a\u015famas\u0131nda vergisiz kal\u0131r.<\/p><p><strong>K\u0131saca en \u00f6nemlisi<\/strong><\/p><ul><li><p>Devlet, Altersvorsorgedepot&#8217;unuzu y\u0131lda <strong>540 euro<\/strong>ya kadar temel devlet katk\u0131s\u0131 ve buna ek olarak \u00e7ocuk ba\u015f\u0131na <strong>300 euro<\/strong>ya kadar \u00e7ocuk katk\u0131s\u0131 ile destekler.<\/p><\/li><li><p>Katk\u0131 garantisinden vazge\u00e7erek tamamen ETF&#8217;lere yat\u0131r\u0131m yapabilir ve piyasa getirisinden yararlanabilirsiniz.<\/p><\/li><li><p>Sermayeniz 65 ya\u015f\u0131na kadar ba\u011fl\u0131d\u0131r. Daha \u00f6nce \u00e7ekim yaparsan\u0131z, t\u00fcm devlet katk\u0131lar\u0131n\u0131 ve vergi avantajlar\u0131n\u0131 geri \u00f6demeniz gerekir.<\/p><\/li><li><p>Birka\u00e7 \u00e7ocuklu d\u00fc\u015f\u00fck gelirliler i\u00e7in tek tek durumlarda eski Riester deste\u011fi daha avantajl\u0131 olabilir.<\/p><\/li><li><p>\u0130lk \u00fcr\u00fcnler ancak 1 Ocak 2027&#8217;den itibaren s\u00f6zle\u015fmeye ba\u011flanabilir.<\/p><\/li><\/ul><h2>Altersvorsorgedepot&#8217;un en b\u00fcy\u00fck 6 avantaj\u0131<\/h2><p>Riester-Rente&#8217;ye k\u0131yasla Altersvorsorgedepot size birka\u00e7 ger\u00e7ek iyile\u015ftirme getiriyor:<\/p><h3>1. Y\u0131lda 540 euroya kadar devlet deste\u011fi<\/h3><p>Ne kadar alaca\u011f\u0131n\u0131z, ne kadar \u00f6deme yapt\u0131\u011f\u0131n\u0131za ba\u011fl\u0131d\u0131r. Y\u0131l i\u00e7indeki ilk <strong>360 euro<\/strong>ya devlet y\u00fczde 50 ekler, yani en fazla <strong>180 euro<\/strong>. Y\u0131ll\u0131k <strong>1.800 euro<\/strong> katk\u0131ya kadar her ek euroya y\u00fczde 25 eklenir, yani <strong>360 euro<\/strong>ya kadar. B\u00f6ylece azami temel devlet katk\u0131s\u0131 y\u0131lda <strong>540 euro<\/strong> olur.<\/p><p>\u00c7ocuk paras\u0131 ald\u0131\u011f\u0131n\u0131z her \u00e7ocuk i\u00e7in y\u0131lda <strong>300 euro<\/strong>ya kadar \u00e7ocuk katk\u0131s\u0131 eklenir. 25 ya\u015f\u0131n alt\u0131ndaki mesle\u011fe yeni ba\u015flayanlar ayr\u0131ca bir defal\u0131k <strong>200 euro<\/strong> ba\u015flang\u0131\u00e7 bonusu al\u0131r.Destek yap\u0131s\u0131, <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" target=\"_blank\" rel=\"noopener noreferrer\">Bundesfinanzministerium&#8217;un bireysel emeklilik reformuna ili\u015fkin SSS sayfas\u0131nda<\/a> yay\u0131mlanm\u0131\u015ft\u0131r.<\/p><h3>2. Garanti zorunlulu\u011fundan vazge\u00e7ilerek tam hisse senedi oran\u0131<\/h3><p>Klasik Riester \u00fcr\u00fcnleri, katk\u0131 garantisi nedeniyle paran\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc d\u00fc\u015f\u00fck riskli bi\u00e7imde yat\u0131rmak zorundayd\u0131. Bu, getiri \u015fanslar\u0131n\u0131 sistematik olarak s\u0131n\u0131rlad\u0131. Altersvorsorgedepot&#8217;ta b\u00f6yle bir zorunluluk yok. Y\u00fczde 100&#8217;e kadar ETF&#8217;lere ve fonlara yat\u0131r\u0131m yapabilir, hesab\u0131 tamamen ETF getirisine y\u00f6nlendirebilirsiniz. Uzun bir yat\u0131r\u0131m vadesinde bu, sonunda getiriniz a\u00e7\u0131s\u0131ndan b\u00fcy\u00fck fark yaratabilir.<\/p><h3>3. Birikim a\u015famas\u0131nda vergisiz b\u00fcy\u00fcme<\/h3><p>Altersvorsorgedepot&#8217;taki kur kazan\u00e7lar\u0131 ve gelirler birikim a\u015famas\u0131nda vergilendirilmez. Bu a\u015famada ne stopaj vergisi ne de \u00f6n g\u00f6t\u00fcr\u00fc vergi (Vorabpauschale) do\u011far. Paran\u0131z bile\u015fik faiz etkisiyle frenlenmeden b\u00fcy\u00fcr. Vergiyi ancak \u00f6deme a\u015famas\u0131nda, o zaman ge\u00e7erli olan ki\u015fisel gelir vergisi oran\u0131n\u0131zla \u00f6dersiniz. Bu oran bir\u00e7ok insan i\u00e7in emeklilikte \u00e7al\u0131\u015fma d\u00f6nemine g\u00f6re daha d\u00fc\u015f\u00fckt\u00fcr.<\/p><h3>4. Hesap i\u00e7inde vergisiz portf\u00f6y ge\u00e7i\u015fi<\/h3><p>Normal bir menkul k\u0131ymet hesab\u0131nda fon sat\u0131p ba\u015fkas\u0131n\u0131 al\u0131rsan\u0131z, kur kazan\u00e7lar\u0131 \u00fczerinden stopaj vergisi \u00f6dersiniz. Altersvorsorgedepot&#8217;ta bu t\u00fcr portf\u00f6y ge\u00e7i\u015fleri, ne kadar s\u0131k ve ne kadar kazan\u00e7la yap\u0131l\u0131rsa yap\u0131ls\u0131n vergisizdir. Hesab\u0131n\u0131z\u0131 emeklili\u011fe giden y\u0131llarda f\u0131rsat odakl\u0131 yat\u0131r\u0131mlardan daha az riskli yat\u0131r\u0131mlara kayd\u0131rmak isterseniz, bunu vergisel bir dezavantaj olmadan yapabilirsiniz.<\/p><h3>5. Riester&#8217;e g\u00f6re daha geni\u015f destek hakk\u0131<\/h3><p>Riester-Rente temelde zorunlu sigortal\u0131 \u00e7al\u0131\u015fanlara y\u00f6nelikti. Altersvorsorgedepot belirgin bi\u00e7imde daha fazla insan i\u00e7in ge\u00e7erli. Deste\u011fe hak kazananlar aras\u0131nda \u00e7al\u0131\u015fanlar, serbest \u00e7al\u0131\u015fanlar, memurlar, \u00e7\u0131raklar ve ebeveyn izninde olan ya da Arbeitslosengeld I alan ki\u015filer var.<\/p><h3>6. \u015eeffafl\u0131k ve serbest sa\u011flay\u0131c\u0131 de\u011fi\u015fikli\u011fi<\/h3><p>Sa\u011flay\u0131c\u0131y\u0131 istedi\u011finiz zaman de\u011fi\u015ftirebilirsiniz. S\u00f6zle\u015fmenin ilk be\u015f y\u0131l\u0131nda devreden sa\u011flay\u0131c\u0131 en fazla <strong>150 euro<\/strong> talep edebilir, sonras\u0131nda ge\u00e7i\u015f \u00fccretsizdir. Sa\u011flay\u0131c\u0131lar maliyetleri \u015feffaf bi\u00e7imde g\u00f6stermek zorundad\u0131r ve hesab\u0131n\u0131z\u0131n geli\u015fimini istedi\u011finiz zaman g\u00f6rebilirsiniz.<\/p><p><strong>K\u0131saca \u00f6zetle:<\/strong> Altersvorsorgedepot, devlet deste\u011fini ger\u00e7ek sermaye piyasas\u0131 getirileriyle birle\u015ftiriyor. Y\u0131lda <strong>540 euro<\/strong>ya kadar devlet katk\u0131s\u0131, birikim a\u015famas\u0131nda kazan\u00e7lara vergi olmamas\u0131 ve vergisiz portf\u00f6y ge\u00e7i\u015fi, \u00fcr\u00fcn\u00fc bir\u00e7ok birikim yapan i\u00e7in klasik Riester \u00fcr\u00fcnlerinden daha cazip k\u0131l\u0131yor.<\/p><h2>Altersvorsorgedepot&#8217;un 5 dezavantaj\u0131: kimler i\u00e7in ger\u00e7ekten \u00f6nemli<\/h2><p>A\u015fa\u011f\u0131daki noktalar ger\u00e7ek. Belirleyici olan tek \u015fey, bunlar\u0131n sizin i\u00e7in fiilen a\u011f\u0131rl\u0131k ta\u015f\u0131y\u0131p ta\u015f\u0131mad\u0131\u011f\u0131.<\/p><h3>1. Sermaye korumas\u0131 yok<\/h3><p>Altersvorsorgedepot&#8217;un katk\u0131 garantisi yok. Hesab\u0131n\u0131z bu arada belirgin bi\u00e7imde eksiye d\u00fc\u015febilir, \u00f6rne\u011fin borsalar sert bi\u00e7imde geriledi\u011finde. Emeklili\u011finize 20 y\u0131l veya daha fazla varsa bunu bekleyerek ge\u00e7irebilirsiniz. Emeklili\u011fe \u00e7ok az kald\u0131ysa bu tampon sizde yoktur. Bu t\u00fcr durumlar i\u00e7in y\u00fczde 80 veya y\u00fczde 100 sermaye korumal\u0131 garantili \u00fcr\u00fcnler var, ancak getiriden bir kesintiyle.<\/p><h3>2. Sermayenin 65&#8217;e kadar ba\u011fl\u0131 kalmas\u0131<\/h3><p>Altersvorsorgedepot&#8217;taki paran\u0131z amaca ba\u011fl\u0131d\u0131r. 65 ya\u015f\u0131ndan \u00f6nce \u00e7ekim yaparsan\u0131z, t\u00fcm devlet katk\u0131lar\u0131n\u0131 ve vergi avantajlar\u0131n\u0131 geri \u00f6demeniz gerekir. Buna deste\u011fe ayk\u0131r\u0131 kullan\u0131m denir. Bu nedenle hesab\u0131n\u0131z acil durum birikimi ya da likit yedeklerin yerine ge\u00e7ecek bir ara\u00e7 olarak uygun de\u011fildir. Bir istisna: Sermayeyi kendi oturdu\u011funuz konut i\u00e7in kullan\u0131rsan\u0131z deste\u011fi kaybetmezsiniz.<\/p><h3>3. \u00d6demenin ertelenmi\u015f vergilendirmesi<\/h3><p>Emeklilikte \u00f6demeler \u00fczerinden ki\u015fisel gelir vergisi oran\u0131n\u0131z\u0131 \u00f6dersiniz. Normal bir menkul k\u0131ymet hesab\u0131nda yaln\u0131zca stopaj vergisi uygulan\u0131r, bu da bir\u00e7ok durumda daha avantajl\u0131d\u0131r. Ancak fark k\u00fc\u00e7\u00fcl\u00fcyor, \u00e7\u00fcnk\u00fc \u00e7o\u011fu insan ya\u015fl\u0131l\u0131kta daha az kazan\u0131yor ve dolay\u0131s\u0131yla daha d\u00fc\u015f\u00fck bir vergi oran\u0131na tabi oluyor.<\/p><h3>4. Birka\u00e7 \u00e7ocuklu d\u00fc\u015f\u00fck gelirliler: Riester daha iyi kalabilir<\/h3><p>D\u00fc\u015f\u00fck gelirli ve birka\u00e7 \u00e7ocuklu haneler i\u00e7in Altersvorsorgedepot&#8217;taki destek hesab\u0131 otomatik olarak daha avantajl\u0131 de\u011fil. Eski Riester sisteminde \u00e7ocuk katk\u0131lar\u0131 gelirden ba\u011f\u0131ms\u0131z olarak \u00f6deniyordu. Altersvorsorgedepot&#8217;ta \u00e7ocuk katk\u0131s\u0131, kendinizin ne kadar \u00f6deme yapt\u0131\u011f\u0131na ba\u011fl\u0131. Az \u00f6deme yaparsan\u0131z bu nedenle daha az al\u0131rs\u0131n\u0131z. Buna ra\u011fmen ge\u00e7i\u015f yapman\u0131n anlaml\u0131 olup olmad\u0131\u011f\u0131n\u0131 Riester ile Altersvorsorgedepot kar\u015f\u0131la\u015ft\u0131rmas\u0131na ili\u015fkin rehber g\u00f6steriyor.<\/p><h3>5. Y\u00fczde bir maliyet tavan\u0131 bir f\u0131rsat de\u011fil<\/h3><p>Standart \u00fcr\u00fcnler i\u00e7in y\u0131lda <strong>y\u00fczde bir<\/strong> efektif maliyet \u015feklinde yasal bir maliyet tavan\u0131 ge\u00e7erli. Bunun amac\u0131 yeni ba\u015flayanlar\u0131 a\u015f\u0131r\u0131 pahal\u0131 \u00fcr\u00fcnlerden korumak. Ancak y\u00fczde bir g\u00f6reli olarak y\u00fcksek bir orand\u0131r. Ucuz endeks ETF&#8217;lerini biliyorsan\u0131z, bunun belirgin bi\u00e7imde daha ucuz da olabilece\u011fini bilirsiniz. Kendiniz maliyet bilincine sahip bir sa\u011flay\u0131c\u0131 se\u00e7erseniz bu tavan\u0131n alt\u0131nda kal\u0131rs\u0131n\u0131z.<\/p><p><strong>K\u0131saca \u00f6zetle<\/strong> Esas dezavantajlar sermaye korumas\u0131n\u0131n olmamas\u0131, 65&#8217;e kadar ba\u011fl\u0131l\u0131k, \u00f6demenin ki\u015fisel vergi oran\u0131yla vergilendirilmesi ve birka\u00e7 \u00e7ocuklu d\u00fc\u015f\u00fck gelirliler i\u00e7in daha zay\u0131f bir destek oran\u0131d\u0131r. Buna, \u201eAltersvorsorgedepot&#8221; etiketi ta\u015f\u0131yan her \u00fcr\u00fcn\u00fcn ucuz bir menkul k\u0131ymet hesab\u0131 olmad\u0131\u011f\u0131 da ekleniyor.<\/p><p> <\/p>\n\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-7372a5e6 animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"7372a5e6\" 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-30ec0385 e-con-full e-flex e-con e-child\" data-id=\"30ec0385\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6155987b animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"6155987b\" 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, 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-297c4b77 e-con-full e-flex e-con e-child\" data-id=\"297c4b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1104c460 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"1104c460\" 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-61797c2 e-flex e-con-boxed e-con e-parent\" data-id=\"61797c2\" 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-296b01b elementor-widget elementor-widget-text-editor\" data-id=\"296b01b\" 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>Dikkat: Her Altersvorsorgedepot ger\u00e7ek bir menkul k\u0131ymet hesab\u0131 de\u011fildir<\/h2><p>Bankalar\u0131n, neobrokerlar\u0131n ve fon \u015firketlerinin yan\u0131nda sigorta \u015firketleri de Altersvorsorgedepot sunabiliyor; bu durumda \u00fcr\u00fcn fona ba\u011fl\u0131 bir emeklilik sigortas\u0131 bi\u00e7iminde oluyor. Devlet deste\u011fi ve vergi uygulamas\u0131 bu \u00fcr\u00fcnde ger\u00e7ek bir hesapla ayn\u0131d\u0131r. Fark maliyetlerdedir: Bu t\u00fcr \u00fcr\u00fcnler, salt bir menkul k\u0131ymet hesab\u0131n\u0131n maliyet \u00e7er\u00e7evesinin \u00e7ok \u00fczerinde kalan s\u00f6zle\u015fme masraflar\u0131 ve daha y\u00fcksek cari y\u00f6netim \u00fccretleri i\u00e7erebilir.<\/p><p>Bu nedenle 2027&#8217;de bir \u00fcr\u00fcn i\u00e7in s\u00f6zle\u015fme yaparken, imzalamadan \u00f6nce \u00fcr\u00fcn tipini ve maliyet yap\u0131s\u0131n\u0131n tamam\u0131n\u0131 inceleyin. \u0130lk sa\u011flay\u0131c\u0131lar \u00fcr\u00fcnlerini tan\u0131tt\u0131\u011f\u0131 anda do\u011frudan kar\u015f\u0131la\u015ft\u0131rmay\u0131 burada bulacaks\u0131n\u0131z.<\/p><h2>Avantajlar kimler i\u00e7in a\u011f\u0131r bas\u0131yor?<\/h2><p>H\u00e2l\u00e2 15 y\u0131l veya daha uzun bir yat\u0131r\u0131m vadeniz varsa, avantajlar sizin i\u00e7in belirgin bi\u00e7imde a\u011f\u0131r bas\u0131yor. Bug\u00fcne kadarki de\u011ferlendirmeye g\u00f6re \u00e7al\u0131\u015fanlar, serbest \u00e7al\u0131\u015fanlar, bek\u00e2rlar, \u00e7ocuksuz \u00e7iftler ve iyi kazananlar yeni sistemde eski Riester sisteminden daha iyi durumda. 25 ya\u015f\u0131n alt\u0131ndaki mesle\u011fe yeni ba\u015flayanlar ayr\u0131ca bir defal\u0131k <strong>200 euro<\/strong> ba\u015flang\u0131\u00e7 bonusundan yararlan\u0131yor.<\/p><p>Birka\u00e7 \u00e7ocuklu ve \u00f6deme imk\u00e2n\u0131 s\u0131n\u0131rl\u0131 d\u00fc\u015f\u00fck gelirliler i\u00e7in, karar vermeden \u00f6nce destek ko\u015fullar\u0131n\u0131 ayr\u0131nt\u0131l\u0131 kar\u015f\u0131la\u015ft\u0131rmak de\u011ferli. Altersvorsorgedepot&#8217;un sizin ki\u015fisel durumunuz i\u00e7in daha iyi se\u00e7enek olup olmad\u0131\u011f\u0131 gelire, aile durumuna ve yat\u0131r\u0131m vadesine ba\u011fl\u0131d\u0131r.<\/p><h2 data-pm-slice=\"1 1 []\">Sonu\u00e7<\/h2><p>Altersvorsorgedepot bir\u00e7ok insan i\u00e7in Riester-Rente&#8217;ye k\u0131yasla ger\u00e7ek iyile\u015ftirmeler getiriyor: daha fazla getiri \u015fans\u0131, daha geni\u015f destek hakk\u0131 ve daha fazla \u015feffafl\u0131k. Altersvorsorgedepot&#8217;un avantajlar\u0131n\u0131 ve dezavantajlar\u0131n\u0131 \u015fimdiden bilirseniz, 2027 ba\u015flang\u0131c\u0131nda ancak s\u00f6zle\u015fme a\u015famas\u0131nda bilgi edinen birinden daha haz\u0131rl\u0131kl\u0131 olursunuz.<\/p><p><strong>\u0130lk sa\u011flay\u0131c\u0131lar 1 Ocak 2027&#8217;de ba\u015fl\u0131yor. \u00dcr\u00fcnler yay\u0131na girdi\u011fi anda sizi bilgilendiriyoruz, b\u00f6ylece do\u011frudan kar\u015f\u0131la\u015ft\u0131rabilirsiniz.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1db9732 elementor-widget elementor-widget-keydesign-button\" data-id=\"1db9732\" 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-4e040ea animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"4e040ea\" 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\">Altersvorsorgedepot avantajlar\u0131 ve dezavantajlar\u0131 hakk\u0131nda SSS<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b20b590 elementor-widget elementor-widget-n-accordion\" data-id=\"b20b590\" 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-1860\" 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-1860\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot'un katk\u0131 garantisi var m\u0131? <\/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-1860\" class=\"elementor-element elementor-element-e82662f e-con-full e-flex e-con e-child\" data-id=\"e82662f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58723e4 elementor-widget elementor-widget-text-editor\" data-id=\"58723e4\" 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, Altersvorsorgedepot&#8217;un katk\u0131 garantisi yok. Hesap de\u011feri bu arada d\u00fc\u015febilir. G\u00fcvenlik bilincine sahip yat\u0131r\u0131mc\u0131lar i\u00e7in, asgari bir pay\u0131 g\u00fcvenceye alan y\u00fczde 80 veya y\u00fczde 100 katk\u0131 korumal\u0131 garantili \u00fcr\u00fcnler se\u00e7enek olarak mevcut; ancak bu, getiriden feragat etmek anlam\u0131na gelir.<\/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-1861\" 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-1861\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot'un en b\u00fcy\u00fck dezavantaj\u0131 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-1861\" class=\"elementor-element elementor-element-bc54de2 e-con-full e-flex e-con e-child\" data-id=\"bc54de2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbb5380 elementor-widget elementor-widget-text-editor\" data-id=\"dbb5380\" 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 []\">Belirleyici dezavantaj, sermayenin 65 ya\u015f\u0131na kadar ba\u011fl\u0131 kalmas\u0131d\u0131r. Daha \u00f6nce para \u00e7eken ki\u015fi, ald\u0131\u011f\u0131 t\u00fcm devlet katk\u0131lar\u0131n\u0131 ve vergi avantajlar\u0131n\u0131 eksiksiz geri \u00f6demek zorundad\u0131r. Bu nedenle Altersvorsorgedepot yaln\u0131zca uzun vadeli emeklilik birikimi i\u00e7in uygundur; istedi\u011finiz an eri\u015febilece\u011finiz esnek bir birikim s\u00f6zle\u015fmesi de\u011fildir.<\/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-1862\" 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-1862\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot kimler i\u00e7in avantajl\u0131 de\u011fil? <\/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-1862\" class=\"elementor-element elementor-element-060a87a e-con-full e-flex e-con e-child\" data-id=\"060a87a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-566d5fa elementor-widget elementor-widget-text-editor\" data-id=\"566d5fa\" 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, eski Riester destek mant\u0131\u011f\u0131nda y\u00fcksek \u00e7ocuk katk\u0131s\u0131 alm\u0131\u015f, birka\u00e7 \u00e7ocuklu d\u00fc\u015f\u00fck gelirliler i\u00e7in daha az avantajl\u0131d\u0131r. Emeklili\u011fe \u00e7ok az kalm\u0131\u015f ki\u015filer i\u00e7in de garantisiz bir sermaye piyasas\u0131 \u00fcr\u00fcn\u00fc ancak s\u0131n\u0131rl\u0131 \u00f6l\u00e7\u00fcde uygundur.<\/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-1863\" 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-1863\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> 65 ya\u015f\u0131ndan \u00f6nce Altersvorsorgedepot'tan para \u00e7ekersem 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-1863\" class=\"elementor-element elementor-element-6b3d984 e-flex e-con-boxed e-con e-child\" data-id=\"6b3d984\" 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-be1b96b elementor-widget elementor-widget-text-editor\" data-id=\"be1b96b\" 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 []\">Vadesinden \u00f6nce yap\u0131lan \u00e7ekim, deste\u011fe ayk\u0131r\u0131 kullan\u0131m say\u0131l\u0131r. Ald\u0131\u011f\u0131n\u0131z t\u00fcm devlet katk\u0131lar\u0131n\u0131 ve vergi avantajlar\u0131n\u0131 geri \u00f6demeniz gerekir. Bakiyenin kendi oturdu\u011funuz konut i\u00e7in kullan\u0131lmas\u0131 bir istisnad\u0131r: Bu \u00e7ekime a\u00e7\u0131k\u00e7a izin verilir ve deste\u011fe ayk\u0131r\u0131 say\u0131lmaz.<\/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-1864\" 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-1864\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Borsa \u00e7\u00f6k\u00fc\u015f\u00fcnde Altersvorsorgedepot g\u00fcvenli 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-1864\" class=\"elementor-element elementor-element-e3c957e e-flex e-con-boxed e-con e-child\" data-id=\"e3c957e\" 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-4da079a elementor-widget elementor-widget-text-editor\" data-id=\"4da079a\" 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 sermaye korumas\u0131 sunmaz. Sert kur d\u00fc\u015f\u00fc\u015flerinde hesap de\u011feri belirgin bi\u00e7imde gerileyebilir. Emeklili\u011fine daha uzun y\u0131llar olan biri, tarihsel verilere bak\u0131ld\u0131\u011f\u0131nda b\u00f6yle d\u00f6nemleri bekleyerek ge\u00e7irebilir. Emeklili\u011fe yak\u0131n ki\u015filer i\u00e7in, sermayenin asgari bir pay\u0131n\u0131 g\u00fcvenceye alan garantili \u00fcr\u00fcnler mevcut.<\/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<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Altersvorsorgedepot'un katk\\u0131 garantisi var m\\u0131?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hay\\u0131r, Altersvorsorgedepot&#8217;un katk\\u0131 garantisi yok. Hesap de\\u011feri bu arada d\\u00fc\\u015febilir. G\\u00fcvenlik bilincine sahip yat\\u0131r\\u0131mc\\u0131lar i\\u00e7in, asgari bir pay\\u0131 g\\u00fcvenceye alan y\\u00fczde 80 veya y\\u00fczde 100 katk\\u0131 korumal\\u0131 garantili \\u00fcr\\u00fcnler se\\u00e7enek olarak mevcut; ancak bu, getiriden feragat etmek anlam\\u0131na gelir.\"}},{\"@type\":\"Question\",\"name\":\"Altersvorsorgedepot'un en b\\u00fcy\\u00fck dezavantaj\\u0131 nedir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Belirleyici dezavantaj, sermayenin 65 ya\\u015f\\u0131na kadar ba\\u011fl\\u0131 kalmas\\u0131d\\u0131r. Daha \\u00f6nce para \\u00e7eken ki\\u015fi, ald\\u0131\\u011f\\u0131 t\\u00fcm devlet katk\\u0131lar\\u0131n\\u0131 ve vergi avantajlar\\u0131n\\u0131 eksiksiz geri \\u00f6demek zorundad\\u0131r. Bu nedenle Altersvorsorgedepot yaln\\u0131zca uzun vadeli emeklilik birikimi i\\u00e7in uygundur; istedi\\u011finiz an eri\\u015febilece\\u011finiz esnek bir birikim s\\u00f6zle\\u015fmesi de\\u011fildir.\"}},{\"@type\":\"Question\",\"name\":\"Altersvorsorgedepot kimler i\\u00e7in avantajl\\u0131 de\\u011fil?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Altersvorsorgedepot, eski Riester destek mant\\u0131\\u011f\\u0131nda y\\u00fcksek \\u00e7ocuk katk\\u0131s\\u0131 alm\\u0131\\u015f, birka\\u00e7 \\u00e7ocuklu d\\u00fc\\u015f\\u00fck gelirliler i\\u00e7in daha az avantajl\\u0131d\\u0131r. Emeklili\\u011fe \\u00e7ok az kalm\\u0131\\u015f ki\\u015filer i\\u00e7in de garantisiz bir sermaye piyasas\\u0131 \\u00fcr\\u00fcn\\u00fc ancak s\\u0131n\\u0131rl\\u0131 \\u00f6l\\u00e7\\u00fcde uygundur.\"}},{\"@type\":\"Question\",\"name\":\"65 ya\\u015f\\u0131ndan \\u00f6nce Altersvorsorgedepot'tan para \\u00e7ekersem ne olur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vadesinden \\u00f6nce yap\\u0131lan \\u00e7ekim, deste\\u011fe ayk\\u0131r\\u0131 kullan\\u0131m say\\u0131l\\u0131r. Ald\\u0131\\u011f\\u0131n\\u0131z t\\u00fcm devlet katk\\u0131lar\\u0131n\\u0131 ve vergi avantajlar\\u0131n\\u0131 geri \\u00f6demeniz gerekir. Bakiyenin kendi oturdu\\u011funuz konut i\\u00e7in kullan\\u0131lmas\\u0131 bir istisnad\\u0131r: Bu \\u00e7ekime a\\u00e7\\u0131k\\u00e7a izin verilir ve deste\\u011fe ayk\\u0131r\\u0131 say\\u0131lmaz.\"}},{\"@type\":\"Question\",\"name\":\"Borsa \\u00e7\\u00f6k\\u00fc\\u015f\\u00fcnde Altersvorsorgedepot g\\u00fcvenli mi?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Altersvorsorgedepot sermaye korumas\\u0131 sunmaz. Sert kur d\\u00fc\\u015f\\u00fc\\u015flerinde hesap de\\u011feri belirgin bi\\u00e7imde gerileyebilir. Emeklili\\u011fine daha uzun y\\u0131llar olan biri, tarihsel verilere bak\\u0131ld\\u0131\\u011f\\u0131nda b\\u00f6yle d\\u00f6nemleri bekleyerek ge\\u00e7irebilir. Emeklili\\u011fe yak\\u0131n ki\\u015filer i\\u00e7in, sermayenin asgari bir pay\\u0131n\\u0131 g\\u00fcvenceye alan garantili \\u00fcr\\u00fcnler mevcut.\"}}]}<\/script>\n\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-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><p>Rolf Henning Hackel diploma sahibi hukuk\u00e7udur ve 22 y\u0131ldan uzun s\u00fcredir finans sekt\u00f6r\u00fcn\u00fcn \u00e7e\u015fitli 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 end\u00fcstrisinin \u00fcr\u00fcnlerini g\u00fc\u00e7l\u00fc ve zay\u0131f y\u00f6nleriyle ve bunlar\u0131n d\u00fczenleyici \u00e7er\u00e7evesini de bilir. 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>\n\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<div class=\"elementor-element elementor-element-9431930 keydesign-container-yes e-con-full e-flex e-con e-parent\" data-id=\"9431930\" 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-df1d118 e-con-full e-flex e-con e-child\" data-id=\"df1d118\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3048784 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"3048784\" 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\"><h2 class=\"kd-heading__title\"><span class=\"kd-heading-highlight\"><span class=\"kd-highlight\">\u015eimdi kaydolun<\/span><\/span> ve ilk g\u00fcnden itibaren yararlan\u0131n.<\/h2><div class=\"kd-heading__desc\"><p>Bug\u00fcn hi\u00e7 kimse Altersvorsorgedepot s\u00f6zle\u015fmesi yapamaz, bu ancak 1 Ocak 2027'den itibaren m\u00fcmk\u00fcn. Biz piyasay\u0131 takip ediyoruz ve kar\u015f\u0131la\u015ft\u0131r\u0131lacak ger\u00e7ek bir \u015fey oldu\u011funda size yaz\u0131yoruz. <\/p><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5b15b1 elementor-widget__width-auto elementor-widget elementor-widget-keydesign-advanced-list\" data-id=\"e5b15b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"keydesign-advanced-list.default\">\n\t\t\t\t\t<div class=\"kd-widget-container\"><ul class=\"kd-advanced-list kd-list-layout--inline kd-badge-pos--after\" role=\"list\"><li class=\"kd-list-item elementor-repeater-item-9480ed5\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Sa\u011flay\u0131c\u0131 g\u00fcncellemeleri.<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-48f77bb\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Yasal netle\u015fmeler<\/h5><\/span><\/div><\/li><li class=\"kd-list-item elementor-repeater-item-b4c9f16\" role=\"listitem\"><div class=\"kd-list-inner\"><span class=\"kd-list-icon\" aria-hidden=\"true\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg><\/span><span class=\"kd-list-content\"><h5 class=\"kd-list-title\">Kar\u015f\u0131la\u015ft\u0131rma de\u011ferlendirmeleri<\/h5><\/span><\/div><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b33bb1 e-con-full e-flex e-con e-child\" data-id=\"4b33bb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-59bc77e e-con-full animated-fast keydesign-container-yes e-flex elementor-invisible e-con e-child\" data-id=\"59bc77e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bc615f elementor-widget elementor-widget-html\" data-id=\"0bc615f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<link rel=\"stylesheet\" href=\"https:\/\/sibforms.com\/forms\/end-form\/build\/sib-styles.css\">\n\n\n<!--  END - We recommend to place the above code in head tag of your website html -->\n\n\n\n\n\n\n<!-- START - We recommend to place the below code where you want the form in your website html  -->\n<div class=\"sib-form\" style=\"text-align: center;\n         background-color: transparent; \n        \n        \n        \n        \">\n  <div id=\"sib-form-container\" class=\"sib-form-container\">\n    <div id=\"error-message\" class=\"sib-form-message-panel\" style=\"font-family:Helvetica, sans-serif; font-size:16px; text-align:left; color:#661d1d; background-color:#ffeded; border-color:#ff4949; border-radius:3px;\n        max-width:540px;\">\n      <div class=\"sib-form-message-panel__text sib-form-message-panel__text--center\">\n        <svg viewBox=\"0 0 512 512\" class=\"sib-icon sib-notification__icon\">\n          <path d=\"M256 40c118.621 0 216 96.075 216 216 0 119.291-96.61 216-216 216-119.244 0-216-96.562-216-216 0-119.203 96.602-216 216-216m0-32C119.043 8 8 119.083 8 256c0 136.997 111.043 248 248 248s248-111.003 248-248C504 119.083 392.957 8 256 8zm-11.49 120h22.979c6.823 0 12.274 5.682 11.99 12.5l-7 168c-.268 6.428-5.556 11.5-11.99 11.5h-8.979c-6.433 0-11.722-5.073-11.99-11.5l-7-168c-.283-6.818 5.167-12.5 11.99-12.5zM256 340c-15.464 0-28 12.536-28 28s12.536 28 28 28 28-12.536 28-28-12.536-28-28-28z\" \/>\n        <\/svg>\n        <span class=\"sib-form-message-panel__inner-text\">\n\n\n                Kayd\u0131n\u0131z kaydedilemedi. L\u00fctfen tekrar deneyin.\n              \n            \n          <\/span>\n      <\/div>\n    <\/div>\n    <div><\/div>\n    <div id=\"success-message\" class=\"sib-form-message-panel\" style=\"font-family:Helvetica, sans-serif; font-size:16px; text-align:left; color:#085229; background-color:#e7faf0; border-color:#13ce66; border-radius:3px;\n        max-width:540px;\">\n      <div class=\"sib-form-message-panel__text sib-form-message-panel__text--center\">\n        <svg viewBox=\"0 0 512 512\" class=\"sib-icon sib-notification__icon\">\n          <path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 464c-118.664 0-216-96.055-216-216 0-118.663 96.055-216 216-216 118.664 0 216 96.055 216 216 0 118.663-96.055 216-216 216zm141.63-274.961L217.15 376.071c-4.705 4.667-12.303 4.637-16.97-.068l-85.878-86.572c-4.667-4.705-4.637-12.303.068-16.97l8.52-8.451c4.705-4.667 12.303-4.637 16.97.068l68.976 69.533 163.441-162.13c4.705-4.667 12.303-4.637 16.97.068l8.451 8.52c4.668 4.705 4.637 12.303-.068 16.97z\" \/>\n        <\/svg>\n        <span class=\"sib-form-message-panel__inner-text\">\n\n\n                Kayd\u0131n\u0131z ba\u015far\u0131yla tamamland\u0131.\n             \n            \n          <\/span>\n      <\/div>\n    <\/div>\n    <div><\/div>\n    <div id=\"sib-container\" class=\"sib-container--large sib-container--vertical\" style=\"max-width:540px; text-align:center; background-color:rgba(255,255,255,1); border-width:0px; border-style:solid; border-color:#C0CCD9; direction:ltr\">\n      <form id=\"sib-form\" method=\"POST\" action=\"https:\/\/71d563ee.sibforms.com\/serve\/MUIFAE_75ltPAvsGpsQxAm4z2q1irDrtxkGrcTbdPn2Qkn5M5jBEfmsiO8ugHYsnGNjcLcIjodjlYJFk_uLSBYJPY9J5vH4rwMM91D7u8zEUZEl1TCY2JBpWprtHra73YooubK4BA0va8fF_0wxIc681uO81g0KcFTiidXpzvqAzgXKRsvdm3wmGok7IvF3JmjTDscfROmQ0u0xY0Q==\" data-type=\"subscription\">\n\n\n        <div style=\"padding: 8px 0;\">\n\n\n\n          <div class=\"sib-input sib-form-block\">\n            <div class=\"form__entry entry_block\">\n              <div class=\"form__label-row \">\n\n\n\n                <div class=\"entry__field\">\n\n                  <input class=\"input \" type=\"text\" id=\"EMAIL\" name=\"EMAIL\" autocomplete=\"off\" value=\"\" placeholder=\"EMAIL\" data-required=\"true\" required \/>\n\n                <\/div>\n\n              <\/div>\n\n              <label class=\"entry__error entry__error--primary\" style=\"font-family:Helvetica, sans-serif; font-size:16px; text-align:left; color:#661d1d; background-color:#ffeded; border-color:#ff4949; border-radius:3px;\">\n              <\/label>\n\n\n\n            <\/div>\n          <\/div>\n\n\n\n\n        <\/div>\n\n\n\n        <div style=\"padding: 8px 0;\">\n\n\n          <div class=\"sib-optin sib-form-block\" data-required=\"true\">\n            <div class=\"form__entry entry_mcq\">\n              <div class=\"form__label-row \">\n\n                <div class=\"entry__choice\" style=\"\">\n                  <label>\n                    <input type=\"checkbox\" class=\"input_replaced\" value=\"1\" id=\"NEWSLETTER_OPTIN\" name=\"NEWSLETTER_OPTIN\" required \/>\n\n                    <span class=\"checkbox checkbox_tick_positive\" style=\"margin-left:\"><\/span><span style=\"font-family:Helvetica, sans-serif; font-size:14px; text-align:left; color:#3C4858; background-color:transparent;\"><p>Kaydolarak, b\u00fclten g\u00f6nderimi amac\u0131yla e-posta adresinizin i\u015flenmesine onay vermi\u015f olursunuz (Double-Opt-in). Tek t\u0131kla her zaman abonelikten \u00e7\u0131kabilirsiniz. Ayr\u0131nt\u0131lar gizlilik politikas\u0131nda yer al\u0131r.<\/p><span data-required=\"*\" style=\"display: inline;\" class=\"entry__label entry__label_optin\"><\/span><\/span>\n\n                  <\/label>\n                <\/div>\n              <\/div>\n              <label class=\"entry__error entry__error--primary\" style=\"font-family:Helvetica, sans-serif; font-size:16px; text-align:left; color:#661d1d; background-color:#ffeded; border-color:#ff4949; border-radius:3px;\">\n              <\/label>\n\n\n\n            <\/div>\n          <\/div>\n\n\n        <\/div>\n\n\n\n        <div style=\"padding: 8px 0;\">\n\n\n          <div class=\"sib-form-block\" style=\"text-align: left\">\n            <button class=\"sib-form-block__button sib-form-block__button-with-loader\" style=\"font-family:Futura, sans-serif; font-size:16px; text-align:left; color:#060000; background-color:#4fe5a0; border-width:0px; border-radius:10px;\" form=\"sib-form\" type=\"submit\">\n              <svg class=\"icon clickable__icon progress-indicator__icon sib-hide-loader-icon\" viewBox=\"0 0 512 512\">\n                <path d=\"M460.116 373.846l-20.823-12.022c-5.541-3.199-7.54-10.159-4.663-15.874 30.137-59.886 28.343-131.652-5.386-189.946-33.641-58.394-94.896-95.833-161.827-99.676C261.028 55.961 256 50.751 256 44.352V20.309c0-6.904 5.808-12.337 12.703-11.982 83.556 4.306 160.163 50.864 202.11 123.677 42.063 72.696 44.079 162.316 6.031 236.832-3.14 6.148-10.75 8.461-16.728 5.01z\" \/>\n              <\/svg>\n              Bekleme listesine\n            <\/button>\n\n\n          <\/div>\n\n\n\n        <\/div>\n\n\n\n        <input type=\"text\" name=\"email_address_check\" value=\"\" class=\"input--hidden\">\n\n\n        <input type=\"hidden\" name=\"locale\" value=\"de\">\n\n\n      <\/form>\n    <\/div>\n  <\/div>\n<\/div>\n<!-- END - We recommend to place the above code where you want the form in your website html  -->\n\n<!-- START - We recommend to place the below code in footer or bottom of your website html  -->\n<script>\n  window.REQUIRED_CODE_ERROR_MESSAGE = 'L\u00fctfen bir \u00fclke kodu se\u00e7in.';\n  window.LOCALE = 'de';\n\n\n\n\n  window.EMAIL_INVALID_MESSAGE = window.SMS_INVALID_MESSAGE = \"Girdi\u011finiz bilgiler ge\u00e7erli de\u011fil. L\u00fctfen alan bi\u00e7imini kontrol edip tekrar deneyin.\";\n\n\n\n\n\n  window.REQUIRED_ERROR_MESSAGE = \"Bu alan bo\u015f b\u0131rak\u0131lamaz. \";\n\n  window.GENERIC_INVALID_MESSAGE = \"Girdi\u011finiz bilgiler ge\u00e7erli de\u011fil. L\u00fctfen alan bi\u00e7imini kontrol edip tekrar deneyin.\";\n\n\n  window.INVALID_NUMBER = \"Girdi\u011finiz bilgiler ge\u00e7erli de\u011fil. L\u00fctfen alan bi\u00e7imini kontrol edip tekrar deneyin.\";\n\n\n\n\n  window.INVALID_DATE = \"L\u00fctfen ge\u00e7erli bir tarih girin\";\n\n\n\n  window.REQUIRED_MULTISELECT_MESSAGE = 'L\u00fctfen en az bir se\u00e7enek se\u00e7in';\n\n\n  window.translation = {\n    common: {\n      selectedList: '{quantity} liste se\u00e7ildi',\n      selectedLists: '{quantity} liste se\u00e7ildi',\n      selectedOption: '{quantity} se\u00e7ildi',\n      selectedOptions: '{quantity} se\u00e7ildi',\n    }\n  };\n\n  var AUTOHIDE = Boolean(0);\n<\/script>\n\n\n\n<script defer src=\"https:\/\/sibforms.com\/forms\/end-form\/build\/main.js\"><\/script>\n\n\n\n\n<!-- END - We recommend to place the above code in footer or bottom of your website html  -->\n\n<!-- End Brevo Form -->\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Devletten y\u0131lda 540 euro, vergisiz bir menkul k\u0131ymet hesab\u0131, tam hisse senedi oran\u0131: Altersvorsorgedepot, on y\u0131llard\u0131r g\u00f6r\u00fclen en cazip emeklilik \u00fcr\u00fcn\u00fc gibi duruyor.<\/p>\n","protected":false},"author":2,"featured_media":1779293630,"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":"Altersvorsorgedepot: avantajlar ve dezavantajlar | AVD Kar\u015f\u0131la\u015ft\u0131rma","_metasync_seo_desc":"Altersvorsorgedepot: 2027\u2019den itibaren avantajlar ve dezavantajlar. 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