{"id":1779293699,"date":"2026-07-02T06:31:42","date_gmt":"2026-07-02T06:31:42","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-tr\/altersvorsorgedepot-nasil-isliyor\/"},"modified":"2026-10-16T09:50:17","modified_gmt":"2026-10-16T09:50:17","slug":"altersvorsorgedepot-nasil-isliyor","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/blog\/altersvorsorgedepot-nasil-isliyor\/","title":{"rendered":"Altersvorsorgedepot nas\u0131l i\u015fliyor?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779293699\" class=\"elementor elementor-1779293699 elementor-1779288554\">\n\t\t\t\t<div class=\"elementor-element elementor-element-911184f keydesign-container-yes e-flex e-con-boxed e-con e-parent\" data-id=\"911184f\" 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-157f0e7 e-con-full e-flex e-con e-child\" data-id=\"157f0e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-508fb18 elementor-widget__width-initial animated-fast elementor-widget elementor-widget-image\" data-id=\"508fb18\" 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-1368589570.webp\" class=\"attachment-full size-full wp-image-1779293700\" alt=\"\" srcset=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1368589570.webp 1000w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1368589570-300x300.webp 300w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1368589570-150x150.webp 150w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1368589570-768x768.webp 768w, https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/06\/iStock-1368589570-710x710.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-994da8b e-con-full e-flex e-con e-child\" data-id=\"994da8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30bdfbc elementor-widget elementor-widget-text-editor\" data-id=\"30bdfbc\" 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) hakk\u0131nda bir \u015feyler duydunuz, ama paran\u0131z\u0131n i\u00e7inde ger\u00e7ekte nas\u0131l \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 ve sonunda ne kadar\u0131n\u0131n devlete, ne kadar\u0131n\u0131n size kald\u0131\u011f\u0131n\u0131 hen\u00fcz tam bilmiyor musunuz? Ad\u0131m ad\u0131m birlikte gidelim.<\/p><p>Yasal emeklilik maa\u015f\u0131 tek ba\u015f\u0131na \u00e7o\u011fu insan i\u00e7in ya\u015fl\u0131l\u0131kta yeterli olmuyor ve \u015fimdiye kadarki destek modelleri bu a\u00e7\u0131\u011f\u0131 \u00e7o\u011fu zaman kapatmad\u0131. \u015eimdi yasa koyucu bir ad\u0131m daha att\u0131: 1 Ocak 2027&#8217;den itibaren Altersvorsorgedepot ile Almanya&#8217;da devlet destekli emeklilik birikiminin yeni bir bi\u00e7imi ba\u015fl\u0131yor. Yat\u0131r\u0131m, sigorta garantileri yerine ETF&#8217;lerde ya da fonlarda yap\u0131l\u0131yor, devlet deste\u011fi Riester&#8217;e g\u00f6re \u00fc\u00e7 kat\u0131na kadar y\u00fcksek oluyor ve model ilk kez serbest \u00e7al\u0131\u015fanlara da a\u00e7\u0131k.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d342f68 elementor-widget elementor-widget-keydesign-button\" data-id=\"d342f68\" 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=\"#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 en \u00f6nemlisi<\/strong><\/p><ul><li><p>Altersvorsorgedepot iki a\u015famada i\u015fler: birikim a\u015famas\u0131 (para yat\u0131rma ve sermaye piyasas\u0131nda yat\u0131r\u0131m) ve en erken 65 ya\u015f\u0131ndan itibaren \u00f6deme a\u015famas\u0131.<\/p><\/li><li><p>Devlet, katk\u0131yla oranl\u0131 olarak y\u0131lda 540 euroya kadar temel devlet katk\u0131s\u0131 verir. Devlet katk\u0131lar\u0131 do\u011frudan hesaba akar ve orada yat\u0131r\u0131ma dahil edilir.<\/p><\/li><li><p>Birikim a\u015famas\u0131ndaki t\u00fcm getiriler t\u00fcm\u00fcyle vergiden muaf kal\u0131r (EET ilkesi): stopaj vergisi yok, \u00f6n g\u00f6t\u00fcr\u00fc vergi yok, portf\u00f6y i\u00e7i ge\u00e7i\u015fler vergisiz.<\/p><\/li><li><p>Yasa \u00fc\u00e7 \u00fcr\u00fcn t\u00fcr\u00fc \u00f6ng\u00f6r\u00fcyor: serbest Altersvorsorgedepot, standart menkul k\u0131ymet hesab\u0131 ve garantili \u00fcr\u00fcn.<\/p><\/li><li><p>Hesap, emeklilik birikimi amac\u0131na ba\u011fl\u0131d\u0131r: 65. ya\u015f g\u00fcn\u00fcnden \u00f6nceki \u00e7ekimler deste\u011fe ayk\u0131r\u0131 kullan\u0131m say\u0131l\u0131r ve devlet katk\u0131lar\u0131 ile vergi avantajlar\u0131n\u0131n geri \u00f6denmesini zorunlu k\u0131lar.<\/p><\/li><\/ul><p><strong>K\u0131saca: <\/strong>Altersvorsorgedepot, 1 Ocak 2027&#8217;den itibaren Riester&#8217;in ard\u0131l\u0131 olarak uygulamaya giren, devlet destekli bir menkul k\u0131ymet hesab\u0131d\u0131r. EET ilkesine (Exempt-Exempt-Taxed) g\u00f6re i\u015fler: Birikim a\u015famas\u0131ndaki \u00f6demeler ve t\u00fcm getiriler vergiden muaft\u0131r, vergilendirme ancak emeklilikteki \u00f6demede yap\u0131l\u0131r. Tam vergi muafiyeti i\u00e7in 12\/65 kural\u0131 ge\u00e7erlidir: S\u00f6zle\u015fme en az 12 y\u0131l s\u00fcrmeli ve \u00f6deme en erken 65 ya\u015f\u0131n tamamlanmas\u0131yla ba\u015flamal\u0131d\u0131r. Bundesfinanzministerium&#8217;a g\u00f6re (2026) yasa 27 Mart 2026&#8217;da Bundestag&#8217;da kabul edildi ve 8 May\u0131s 2026&#8217;da Bundesrat taraf\u0131ndan onayland\u0131.<\/p><h2>Altersvorsorgedepot&#8217;un temel ilkesi: iki a\u015fama, bir hedef<\/h2><p>Altersvorsorgedepot normal bir menkul k\u0131ymet hesab\u0131 de\u011fildir. Devlet taraf\u0131ndan sertifikaland\u0131r\u0131lm\u0131\u015f, birbirinden a\u00e7\u0131k\u00e7a ayr\u0131lm\u0131\u015f iki b\u00f6l\u00fcm\u00fc olan bir emeklilik birikim s\u00f6zle\u015fmesidir: \u00e7al\u0131\u015fma y\u0131llar\u0131 boyunca birikim a\u015famas\u0131 ve emeklilikte \u00f6deme a\u015famas\u0131. Biriken sermaye amaca ba\u011fl\u0131d\u0131r ve birikim a\u015famas\u0131 boyunca esasen \u00e7ekilemez.<\/p><p>Tasarruf hesab\u0131ndan farkl\u0131 olarak para mevduat bi\u00e7iminde durmaz, do\u011frudan sermaye piyasas\u0131nda ETF ve fon gibi menkul k\u0131ymetlere yat\u0131r\u0131l\u0131r. Hedef, nominal faiz yerine ger\u00e7ek getiri \u015fans\u0131yla onlarca y\u0131l boyunca servet olu\u015fturmakt\u0131r.<\/p><h2>1. A\u015fama: Birikim a\u015famas\u0131<\/h2><p>Birikim a\u015famas\u0131nda paran\u0131z \u00fc\u00e7 istasyondan ge\u00e7er. Bunlara tek tek bakal\u0131m.<\/p><h3>Para yat\u0131rma nas\u0131l i\u015fliyor<\/h3><p>Altersvorsorgedepot&#8217;unuza ayl\u0131k d\u00fczenli birikim plan\u0131yla ya da tek seferlik tutar olarak para yat\u0131r\u0131rs\u0131n\u0131z. Y\u0131lda en az 120 euro yat\u0131ran devlet katk\u0131s\u0131 al\u0131r. En b\u00fcy\u00fck destek etkisine, y\u0131ll\u0131k <strong>1.800 euro<\/strong> kendi katk\u0131s\u0131yla ula\u015f\u0131rs\u0131n\u0131z. Devlet bu s\u0131n\u0131ra kadar katk\u0131yla oranl\u0131 destek verir.<\/p><p>Hesap ve y\u0131l ba\u015f\u0131na <strong>6.840 euroya<\/strong> kadar yat\u0131r\u0131labilir. Bu a\u015fan \u00f6demeler devlet katk\u0131s\u0131yla desteklenmez, ama birikim a\u015famas\u0131ndaki vergi ertelemesinden yararlanmaya devam eder.<\/p><h3>Devlet katk\u0131lar\u0131 hesaba nas\u0131l geliyor<\/h3><p>Devlet deste\u011fi katk\u0131yla oranl\u0131d\u0131r. Y\u0131ldaki ilk 360 euro kendi katk\u0131s\u0131 i\u00e7in yat\u0131r\u0131lan her euroya 50 cent devlet katk\u0131s\u0131 verilir, yani 180 euroya kadar. 1.800 euroluk y\u0131ll\u0131k katk\u0131ya kadar her ek euro i\u00e7in devlet katk\u0131s\u0131 25 centtir, yani 360 euroya kadar. Birlikte bu, y\u0131lda azami <strong>540 euro<\/strong> temel devlet katk\u0131s\u0131 eder. \u00c7ocuk paras\u0131 hakk\u0131 do\u011furan \u00e7ocuklar\u0131n\u0131z varsa, her \u00e7ocuk i\u00e7in <strong>300 euroya<\/strong> kadar \u00e7ocuk katk\u0131s\u0131 eklenir.<\/p><p>Burada \u00f6nemli olan: Devlet katk\u0131lar\u0131 banka hesab\u0131n\u0131za gelmez. Do\u011frudan menkul k\u0131ymet hesab\u0131na akar ve orada kendi katk\u0131lar\u0131n\u0131zla birlikte se\u00e7ti\u011finiz menkul k\u0131ymetlere yat\u0131r\u0131l\u0131r. B\u00f6ylece yaln\u0131zca bir prim de\u011fil, ek bir getiri kald\u0131rac\u0131 olarak da \u00e7al\u0131\u015f\u0131rlar.<\/p><h3>Paran\u0131n sermaye piyasas\u0131nda nas\u0131l \u00e7al\u0131\u015ft\u0131\u011f\u0131<\/h3><p>\u00d6demeler ve devlet katk\u0131lar\u0131 hesaba girer girmez menkul k\u0131ymetlere yat\u0131r\u0131l\u0131r. 7 \u00fczerinden 5. risk s\u0131n\u0131f\u0131na kadar fonlar ve ETF&#8217;ler ile tahviller ve benzer ara\u00e7lar izinlidir. Tek tek hisse senetleri, kripto paralar ve karma\u015f\u0131k t\u00fcrev \u00fcr\u00fcnler kapsam d\u0131\u015f\u0131d\u0131r.<\/p><p>Birikim a\u015famas\u0131nda sizin i\u00e7in vergi do\u011fmaz. Kur kazan\u00e7lar\u0131, temett\u00fcler ve hesap i\u00e7indeki portf\u00f6y ge\u00e7i\u015fleri t\u00fcm\u00fcyle vergiden muaf kal\u0131r. Stopaj vergisi ve \u00f6n g\u00f6t\u00fcr\u00fc vergi yoktur, bile\u015fik faiz etkisi onlarca y\u0131l boyunca kesintisiz \u00e7al\u0131\u015f\u0131r. Bunun sizin somut vergi hesab\u0131n\u0131z i\u00e7in ne anlama geldi\u011fini, Altersvorsorgedepot&#8217;un vergilendirilmesine ili\u015fkin yaz\u0131 a\u00e7\u0131kl\u0131yor.<\/p><p><strong>K\u0131saca \u00f6zetle:<\/strong> Birikim a\u015famas\u0131nda para yat\u0131r\u0131l\u0131r, devlet 540 euroya kadar katk\u0131 ekler ve sermayenin tamam\u0131 vergisiz bi\u00e7imde sermaye piyasas\u0131nda yat\u0131r\u0131l\u0131r. Stopaj vergisi yok, \u00f6n g\u00f6t\u00fcr\u00fc vergi yok, bile\u015fik faiz onlarca y\u0131l kesinti olmadan \u00e7al\u0131\u015f\u0131r.<\/p><p>Somut olarak ne kadar destek hak etti\u011finizi, destek hesaplay\u0131c\u0131m\u0131zla birka\u00e7 dakikada kendiniz hesaplayabilirsiniz.<\/p><h2>2. A\u015fama: 65 ya\u015f\u0131ndan itibaren \u00f6deme a\u015famas\u0131<\/h2><p>\u00d6deme a\u015famas\u0131 en erken 65 ya\u015f\u0131n tamamlanmas\u0131yla, en ge\u00e7 70 ya\u015f\u0131n tamamlanmas\u0131yla ba\u015flar. Ba\u015flang\u0131\u00e7ta biriken sermayenin <strong>%30<\/strong> kadar\u0131n\u0131 bir kez \u00e7ekebilirsiniz. Kalan tutar\u0131 ise ya en az 85 ya\u015f\u0131na kadar s\u00fcren bir \u00f6deme plan\u0131 \u00fczerinden ya da \u00f6m\u00fcr boyu maa\u015f olarak al\u0131rs\u0131n\u0131z.<\/p><p>\u00d6demeler ki\u015fisel gelir vergisi oran\u0131n\u0131zla ertelenmi\u015f bi\u00e7imde, yani ancak para akt\u0131\u011f\u0131nda vergilendirilir. Emeklilikte bu oran genellikle \u00e7al\u0131\u015fma y\u0131llar\u0131na g\u00f6re daha d\u00fc\u015f\u00fckt\u00fcr. KVdR kapsam\u0131nda zorunlu sigortal\u0131lar (yani emeklilerin sa\u011fl\u0131k sigortas\u0131 i\u00e7in \u00f6n sigortal\u0131l\u0131k s\u00fcresini dolduran yasal sigortal\u0131lar) i\u00e7in Altersvorsorgedepot&#8217;tan yap\u0131lan \u00f6demelerde sa\u011fl\u0131k ve bak\u0131m sigortas\u0131 primleri gibi sosyal kesintiler do\u011fmaz; bu, hesab\u0131 i\u015fyeri emeklili\u011finden ay\u0131r\u0131r.<\/p><h2>\u00dc\u00e7 \u00fcr\u00fcn t\u00fcr\u00fc: Hangileri var?<\/h2><p>Her Altersvorsorgedepot ayn\u0131 bi\u00e7imde i\u015flemez. Yasa, \u00f6zellikle garanti ve yat\u0131r\u0131m serbestisi bak\u0131m\u0131ndan farkl\u0131la\u015fan \u00fc\u00e7 \u00fcr\u00fcn kategorisi \u00f6ng\u00f6r\u00fcyor:<\/p><p><strong>Serbest Altersvorsorgedepot:<\/strong> Bu \u00fcr\u00fcn katk\u0131 garantisinden vazge\u00e7er ve tam yat\u0131r\u0131m serbestisi sunar. Sermayeniz %100 oran\u0131nda hisse senedi ETF&#8217;lerine ya da fonlar\u0131na yat\u0131r\u0131labilir (daha d\u00fc\u015f\u00fck maliyet oran\u0131 nedeniyle ETF&#8217;ler tercih edilmelidir). B\u00f6ylece en y\u00fcksek getiri \u015fanslar\u0131 m\u00fcmk\u00fcn olur, ama s\u00fcre boyunca daha g\u00fc\u00e7l\u00fc dalgalanmalar da.<\/p><p><strong>Standart menkul k\u0131ymet hesab\u0131:<\/strong> \u00d6nceden tan\u0131mlanm\u0131\u015f iki fonla standartla\u015ft\u0131r\u0131lm\u0131\u015f bir t\u00fcr \u2013 getiri odakl\u0131 ve g\u00fcvenlik odakl\u0131 birer yap\u0131 ta\u015f\u0131. Burada kendi yat\u0131r\u0131m kararlar\u0131n\u0131z\u0131 vermeniz gerekmez. Otomatik bir ya\u015fam d\u00f6ng\u00fcs\u00fc modeli, ya\u015f ilerledik\u00e7e ad\u0131m ad\u0131m daha g\u00fcvenli fona ge\u00e7i\u015f yapar. Standart menkul k\u0131ymet hesab\u0131 i\u00e7in y\u0131lda y\u00fczde bir efektif maliyet \u015feklinde yasal bir maliyet tavan\u0131 ge\u00e7erlidir.<\/p><p><strong>Garantili \u00fcr\u00fcn:<\/strong> Sermayenin korunmas\u0131na a\u011f\u0131rl\u0131k veriyorsan\u0131z, y\u00fczde 80 ya da y\u00fczde 100 katk\u0131 garantili bir \u00fcr\u00fcn se\u00e7ersiniz. Ancak garanti, olas\u0131 hisse senedi oran\u0131n\u0131 ve b\u00f6ylece getiri \u015fanslar\u0131n\u0131 s\u0131n\u0131rlar.<\/p><p><strong>K\u0131saca \u00f6zetle:<\/strong> Serbest hesap getiri \u015fanslar\u0131n\u0131 en \u00fcst d\u00fczeye \u00e7\u0131kar\u0131r, standart hesap yat\u0131r\u0131m karar\u0131n\u0131 sizden al\u0131r, garantili \u00fcr\u00fcn yat\u0131r\u0131lan sermayeyi g\u00fcvenceye al\u0131r. \u00dc\u00e7 t\u00fcr\u00fcn hepsi para yat\u0131rma, destek ve \u00f6deme i\u00e7in ayn\u0131 yasal kurallara uyar.<\/p><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-4af8164d animated-fast e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"4af8164d\" 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-3235b2f5 e-con-full e-flex e-con e-child\" data-id=\"3235b2f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f43d3d9 animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"6f43d3d9\" 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\u0131yor?<\/h3><div class=\"kd-heading__desc\"><p>Devlet deste\u011fi, vergi avantaj\u0131 ve olas\u0131 hesap de\u011feri, bir dakikan\u0131n alt\u0131nda ve kendi say\u0131lar\u0131n\u0131zla.<\/p><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42b9930c e-con-full e-flex e-con e-child\" data-id=\"42b9930c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-148cafaf animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-button\" data-id=\"148cafaf\" 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-7deb347 e-flex e-con-boxed e-con e-parent\" data-id=\"7deb347\" 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-5d4f682 elementor-widget elementor-widget-text-editor\" data-id=\"5d4f682\" 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>Altersvorsorgedepot ile normal ETF birikim plan\u0131: Fark bir bak\u0131\u015fta<\/h2><p>Desteklenmeyen bir ETF birikim plan\u0131na zaten yat\u0131r\u0131m yap\u0131yorsan\u0131z, Altersvorsorgedepot&#8217;un mekanik olarak neyi farkl\u0131 yapt\u0131\u011f\u0131n\u0131 hakl\u0131 olarak merak ediyorsunuz. En \u00f6nemli \u00fc\u00e7 fark:<\/p><p><strong>Devlet katk\u0131s\u0131:<\/strong> Altersvorsorgedepot&#8217;ta birikim a\u015famas\u0131nda stopaj vergisi ve \u00f6n g\u00f6t\u00fcr\u00fc vergi do\u011fmaz, sermayeniz onlarca y\u0131l boyunca eksilmeden b\u00fcy\u00fcr. Normal ETF hesab\u0131nda \u00f6n g\u00f6t\u00fcr\u00fc vergi her y\u0131l do\u011far ve sat\u0131\u015ftaki kazan\u00e7lar hemen stopaj vergisine tabi olur.<\/p><p><strong>Ba\u011fl\u0131l\u0131k:<\/strong> Altersvorsorgedepot emeklilik ba\u015flang\u0131c\u0131na ba\u011fl\u0131d\u0131r. 65. ya\u015f g\u00fcn\u00fcnden \u00f6nce \u00e7ekim esasen m\u00fcmk\u00fcnd\u00fcr, ama deste\u011fe ayk\u0131r\u0131 kullan\u0131m say\u0131l\u0131r ve devlet katk\u0131lar\u0131 ile vergi avantajlar\u0131n\u0131n geri \u00f6denmesini zorunlu k\u0131lar. Normal bir ETF birikim plan\u0131n\u0131 ise her zaman sonu\u00e7suz bi\u00e7imde kapatabilirsiniz.<\/p><p data-pm-slice=\"1 1 []\"><strong>K\u0131saca:<\/strong> Desteklenmeyen bir ETF birikim plan\u0131na k\u0131yasla mekanik avantaj iki noktada: devlet katk\u0131s\u0131 ve birikim a\u015famas\u0131ndaki vergi ertelemesi. Uzun vadeli ba\u011fl\u0131l\u0131\u011f\u0131 kabul ederseniz, kar\u015f\u0131l\u0131\u011f\u0131nda devlet deste\u011fi ve onlarca y\u0131l boyunca vergisiz sermaye b\u00fcy\u00fcmesi elde edersiniz.<\/p><p>Bunun kendi durumunuz i\u00e7in mant\u0131kl\u0131 olup olmad\u0131\u011f\u0131n\u0131, Altersvorsorgedepot&#8217;un avantaj ve dezavantajlar\u0131na ili\u015fkin yaz\u0131 a\u00e7\u0131kl\u0131yor.<\/p><h2 data-pm-slice=\"1 1 []\">Sonu\u00e7<\/h2><p>Altersvorsorgedepot a\u00e7\u0131k bir ilkeyi izler: Para yat\u0131r\u0131rs\u0131n\u0131z, devlet katk\u0131s\u0131 al\u0131rs\u0131n\u0131z, sermayeyi vergisiz bi\u00e7imde piyasada yat\u0131r\u0131rs\u0131n\u0131z ve emeklilikte \u00f6dettirirsiniz. Sonunda hesab\u0131n\u0131zda ne kadar bulunaca\u011f\u0131 \u00f6zellikle \u00fc\u00e7 etkene ba\u011fl\u0131d\u0131r: ayl\u0131k katk\u0131n\u0131za, se\u00e7ti\u011finiz \u00fcr\u00fcne ve sa\u011flay\u0131c\u0131n\u0131n maliyetlerine.<\/p><p><strong>\u0130lk sa\u011flay\u0131c\u0131lar 1 Ocak 2027&#8217;de ba\u015fl\u0131yor. \u00dcr\u00fcnler yay\u0131na girer girmez sizi bilgilendirece\u011fiz, b\u00f6ylece do\u011frudan kar\u015f\u0131la\u015ft\u0131rabilirsiniz.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b54ef9a elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-keydesign-button\" data-id=\"b54ef9a\" 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=\"#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-4f6c4fd animated-fast elementor-invisible elementor-widget elementor-widget-keydesign-heading\" data-id=\"4f6c4fd\" 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 hakk\u0131nda SSS<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec4d0e9 elementor-widget elementor-widget-n-accordion\" data-id=\"ec4d0e9\" 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-2470\" 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-2470\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Devlet katk\u0131lar\u0131 Altersvorsorgedepot'a nas\u0131l geliyor? <\/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-2470\" class=\"elementor-element elementor-element-9fe1b60 e-con-full e-flex e-con e-child\" data-id=\"9fe1b60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b48927f elementor-widget elementor-widget-text-editor\" data-id=\"b48927f\" 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 []\">Devlet katk\u0131lar\u0131, ba\u015fvurudan sonra banka hesab\u0131na de\u011fil, do\u011frudan menkul k\u0131ymet hesab\u0131na yat\u0131r\u0131l\u0131r. Orada otomatik olarak se\u00e7ilen ETF&#8217;lere ya da fonlara yat\u0131r\u0131l\u0131r ve kendi katk\u0131larla birlikte b\u00fcy\u00fcr. Devlet katk\u0131s\u0131 ba\u015fvurusunun her y\u0131l yap\u0131lmas\u0131 gerekir; Altersvorsorgedepot&#8217;ta s\u00fcrecin somut olarak nas\u0131l i\u015fleyece\u011fini sa\u011flay\u0131c\u0131lar Ocak 2027&#8217;deki piyasaya giri\u015fle birlikte uygulayacak.<\/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-2471\" 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-2471\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot'ta EET ilkesi ne anlama geliyor? <\/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-2471\" class=\"elementor-element elementor-element-059cf06 e-con-full e-flex e-con e-child\" data-id=\"059cf06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3425864 elementor-widget elementor-widget-text-editor\" data-id=\"3425864\" 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 []\">EET, Exempt-Exempt-Taxed anlam\u0131na gelir. Birikim a\u015famas\u0131ndaki \u00f6demeler ve t\u00fcm getiriler vergiden muaft\u0131r (iki kez Exempt), vergilendirme ancak ya\u015fl\u0131l\u0131ktaki \u00f6demede yap\u0131l\u0131r (Taxed). Yani: Kur kazan\u00e7lar\u0131, temett\u00fcler ve hesap i\u00e7indeki portf\u00f6y ge\u00e7i\u015fleri birikim a\u015famas\u0131n\u0131n tamam\u0131 boyunca t\u00fcm\u00fcyle vergiden muaf kal\u0131r. Ancak emeklilikte para \u00f6dendi\u011finde, ya\u015fl\u0131l\u0131kta genellikle \u00e7al\u0131\u015fma y\u0131llar\u0131na g\u00f6re daha d\u00fc\u015f\u00fck olan ki\u015fisel gelir vergisi oran\u0131 devreye girer.<\/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-2472\" 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-2472\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot'ta vergi ertelemesi somut olarak nas\u0131l i\u015fliyor? <\/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-2472\" class=\"elementor-element elementor-element-601c9e4 e-con-full e-flex e-con e-child\" data-id=\"601c9e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c62b84c elementor-widget elementor-widget-text-editor\" data-id=\"c62b84c\" 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&#8217;ta birikim a\u015famas\u0131nda ne stopaj vergisi ne de \u00f6n g\u00f6t\u00fcr\u00fc vergi do\u011far. Hesap i\u00e7indeki portf\u00f6y ge\u00e7i\u015fleri de vergisiz yap\u0131labilir. Bu nedenle t\u00fcm getiriler dahil sermayenin tamam\u0131, s\u00fcrenin tamam\u0131 boyunca vergi kesintisi olmadan b\u00fcy\u00fcmeye devam eder. Vergi ertelenmi\u015f bi\u00e7imde, ancak emeklilikteki \u00f6demede ve o d\u00f6nemde ge\u00e7erli vergi oran\u0131 esas al\u0131narak tahsil edilir.<\/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-2473\" 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-2473\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Altersvorsorgedepot'taki paray\u0131 ne zamandan itibaren \u00e7ekebilirim? <\/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-2473\" class=\"elementor-element elementor-element-827182a e-flex e-con-boxed e-con e-child\" data-id=\"827182a\" 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-60b940a elementor-widget elementor-widget-text-editor\" data-id=\"60b940a\" 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 []\">Ola\u011fan \u00f6deme a\u015famas\u0131 en erken 65 ya\u015f\u0131n tamamlanmas\u0131ndan itibaren ba\u015flar. \u00d6deme a\u015famas\u0131n\u0131n en ge\u00e7 70 ya\u015f\u0131n tamamlanmas\u0131yla ba\u015flat\u0131lmas\u0131 gerekir. Uzun katk\u0131 y\u0131llar\u0131 nedeniyle 65. ya\u015f g\u00fcn\u00fcnden \u00f6nce yasal ya\u015fl\u0131l\u0131k maa\u015f\u0131 alan biri, hesab\u0131n \u00f6demesini ayn\u0131 anda ba\u015flatabilir.<\/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-2474\" 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-2474\" >\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 g\u00fcn\u00fcmden \u00f6nce paraya eri\u015firsem Altersvorsorgedepot'ta 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-2474\" class=\"elementor-element elementor-element-b562745 e-flex e-con-boxed e-con e-child\" data-id=\"b562745\" 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-c2adfce elementor-widget elementor-widget-text-editor\" data-id=\"c2adfce\" 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 \u00e7ekim esasen deste\u011fe ayk\u0131r\u0131 kullan\u0131m say\u0131l\u0131r. Bu durumda al\u0131nan t\u00fcm devlet katk\u0131lar\u0131 ile yararlan\u0131lan vergi avantajlar\u0131n\u0131n geri \u00f6denmesi gerekir. Ek olarak birikmi\u015f getiriler sonradan vergilendirilir. Belirli ko\u015fullar alt\u0131nda kendi oturulan konut m\u00fclkiyeti gibi istisnalar vard\u0131r.<\/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<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Devlet katk\\u0131lar\\u0131 Altersvorsorgedepot'a nas\\u0131l geliyor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Devlet katk\\u0131lar\\u0131, ba\\u015fvurudan sonra banka hesab\\u0131na de\\u011fil, do\\u011frudan menkul k\\u0131ymet hesab\\u0131na yat\\u0131r\\u0131l\\u0131r. Orada otomatik olarak se\\u00e7ilen ETF&#8217;lere ya da fonlara yat\\u0131r\\u0131l\\u0131r ve kendi katk\\u0131larla birlikte b\\u00fcy\\u00fcr. Devlet katk\\u0131s\\u0131 ba\\u015fvurusunun her y\\u0131l yap\\u0131lmas\\u0131 gerekir; Altersvorsorgedepot&#8217;ta s\\u00fcrecin somut olarak nas\\u0131l i\\u015fleyece\\u011fini sa\\u011flay\\u0131c\\u0131lar Ocak 2027&#8217;deki piyasaya giri\\u015fle birlikte uygulayacak.\"}},{\"@type\":\"Question\",\"name\":\"Altersvorsorgedepot'ta EET ilkesi ne anlama geliyor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"EET, Exempt-Exempt-Taxed anlam\\u0131na gelir. Birikim a\\u015famas\\u0131ndaki \\u00f6demeler ve t\\u00fcm getiriler vergiden muaft\\u0131r (iki kez Exempt), vergilendirme ancak ya\\u015fl\\u0131l\\u0131ktaki \\u00f6demede yap\\u0131l\\u0131r (Taxed). Yani: Kur kazan\\u00e7lar\\u0131, temett\\u00fcler ve hesap i\\u00e7indeki portf\\u00f6y ge\\u00e7i\\u015fleri birikim a\\u015famas\\u0131n\\u0131n tamam\\u0131 boyunca t\\u00fcm\\u00fcyle vergiden muaf kal\\u0131r. Ancak emeklilikte para \\u00f6dendi\\u011finde, ya\\u015fl\\u0131l\\u0131kta genellikle \\u00e7al\\u0131\\u015fma y\\u0131llar\\u0131na g\\u00f6re daha d\\u00fc\\u015f\\u00fck olan ki\\u015fisel gelir vergisi oran\\u0131 devreye girer.\"}},{\"@type\":\"Question\",\"name\":\"Altersvorsorgedepot'ta vergi ertelemesi somut olarak nas\\u0131l i\\u015fliyor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Altersvorsorgedepot&#8217;ta birikim a\\u015famas\\u0131nda ne stopaj vergisi ne de \\u00f6n g\\u00f6t\\u00fcr\\u00fc vergi do\\u011far. Hesap i\\u00e7indeki portf\\u00f6y ge\\u00e7i\\u015fleri de vergisiz yap\\u0131labilir. Bu nedenle t\\u00fcm getiriler dahil sermayenin tamam\\u0131, s\\u00fcrenin tamam\\u0131 boyunca vergi kesintisi olmadan b\\u00fcy\\u00fcmeye devam eder. Vergi ertelenmi\\u015f bi\\u00e7imde, ancak emeklilikteki \\u00f6demede ve o d\\u00f6nemde ge\\u00e7erli vergi oran\\u0131 esas al\\u0131narak tahsil edilir.\"}},{\"@type\":\"Question\",\"name\":\"Altersvorsorgedepot'taki paray\\u0131 ne zamandan itibaren \\u00e7ekebilirim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ola\\u011fan \\u00f6deme a\\u015famas\\u0131 en erken 65 ya\\u015f\\u0131n tamamlanmas\\u0131ndan itibaren ba\\u015flar. \\u00d6deme a\\u015famas\\u0131n\\u0131n en ge\\u00e7 70 ya\\u015f\\u0131n tamamlanmas\\u0131yla ba\\u015flat\\u0131lmas\\u0131 gerekir. Uzun katk\\u0131 y\\u0131llar\\u0131 nedeniyle 65. ya\\u015f g\\u00fcn\\u00fcnden \\u00f6nce yasal ya\\u015fl\\u0131l\\u0131k maa\\u015f\\u0131 alan biri, hesab\\u0131n \\u00f6demesini ayn\\u0131 anda ba\\u015flatabilir.\"}},{\"@type\":\"Question\",\"name\":\"65. ya\\u015f g\\u00fcn\\u00fcmden \\u00f6nce paraya eri\\u015firsem Altersvorsorgedepot'ta ne olur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vadesinden \\u00f6nce \\u00e7ekim esasen deste\\u011fe ayk\\u0131r\\u0131 kullan\\u0131m say\\u0131l\\u0131r. Bu durumda al\\u0131nan t\\u00fcm devlet katk\\u0131lar\\u0131 ile yararlan\\u0131lan vergi avantajlar\\u0131n\\u0131n geri \\u00f6denmesi gerekir. Ek olarak birikmi\\u015f getiriler sonradan vergilendirilir. Belirli ko\\u015fullar alt\\u0131nda kendi oturulan konut m\\u00fclkiyeti gibi istisnalar vard\\u0131r.\"}}]}<\/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\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 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>\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&#8217;u duydunuz, ama paran\u0131z\u0131n i\u00e7inde ger\u00e7ekte nas\u0131l \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 ve sonunda ne kadar\u0131n\u0131n devlete, ne kadar\u0131n\u0131n size kald\u0131\u011f\u0131n\u0131 hen\u00fcz tam bilmiyor musunuz? Ad\u0131m ad\u0131m birlikte gidelim.<\/p>\n","protected":false},"author":2,"featured_media":1779293700,"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 nas\u0131l i\u015fler? | AVD Kar\u015f\u0131la\u015ft\u0131rma","_metasync_seo_desc":"Altersvorsorgedepot a\u00e7\u0131kland\u0131: Riester\u2019in halefi 2027\u2019den itibaren nas\u0131l i\u015fler, y\u0131lda 1.680 euroya kadar devlet deste\u011fiyle.","_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-1779293699","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\/1779293699","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=1779293699"}],"version-history":[{"count":2,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293699\/revisions"}],"predecessor-version":[{"id":1779293773,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293699\/revisions\/1779293773"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media\/1779293700"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media?parent=1779293699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/categories?post=1779293699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/tags?post=1779293699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}