{"id":1779293854,"date":"2026-06-30T09:09:14","date_gmt":"2026-06-30T09:09:14","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-tr\/riester-rente-ile-altersvorsorgedepot-gecmek-mi-kalmak-mi\/"},"modified":"2026-10-16T09:48:07","modified_gmt":"2026-10-16T09:48:07","slug":"riester-rente-ile-altersvorsorgedepot-gecmek-mi-kalmak-mi","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/riester-rente-ile-altersvorsorgedepot-gecmek-mi-kalmak-mi\/","title":{"rendered":"Riester-Rente ile Altersvorsorgedepot: ge\u00e7mek mi, kalmak m\u0131?"},"content":{"rendered":"<p class=\"avd-lead\"> Riester-Rente, 1 Ocak 2027&#8217;den itibaren yerini <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepot\/\">Altersvorsorgedepot<\/a> (Almanya&#8217;n\u0131n devlet destekli bireysel emeklilik yat\u0131r\u0131m hesab\u0131) \u00fcr\u00fcn\u00fcne b\u0131rak\u0131yor. <strong>Yeni s\u00f6zle\u015fmeler<\/strong> o tarihten sonra art\u0131k yap\u0131lamayacak, ancak <strong>mevcut s\u00f6zle\u015fmeler<\/strong> mevcut haklar\u0131n korunmas\u0131yla devam edecek. En \u00f6nemli farklar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131yor ve ge\u00e7i\u015fin ne zaman anlaml\u0131 oldu\u011funu anlat\u0131yoruz. <\/p>\n<aside class=\"avd-callout tldr\">\n<p><strong>K\u0131saca en \u00f6nemlisi:<\/strong><\/p>\n<ul>\n<li>1 Ocak 2027&#8217;den itibaren yeni s\u00f6zle\u015fme yok<\/li>\n<li>Mevcut s\u00f6zle\u015fmeler de\u011fi\u015fmeden devam ediyor<\/li>\n<li>Altersvorsorgedepot&#8217;a ge\u00e7i\u015f m\u00fcmk\u00fcn<\/li>\n<li>AVD daha y\u00fcksek devlet deste\u011fi, daha d\u00fc\u015f\u00fck maliyet ve daha fazla getiri sunuyor<\/li>\n<li>\u0130lk 5 y\u0131lda ge\u00e7i\u015f \u00fccreti en fazla 150 \u20ac<\/li>\n<\/ul>\n<\/aside>\n<div class=\"avd-toc\">\n<p class=\"avd-toc__title\">\u0130\u00e7indekiler<\/p>\n<ol>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#was-ist\">Riester-Rente nedir?<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#vergleich\">Riester ile Altersvorsorgedepot kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#bestandsschutz\">Mevcut haklar\u0131n korunmas\u0131: eski s\u00f6zle\u015fmelere ne olur?<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#wechsel\">Ge\u00e7i\u015f ne zaman kazan\u00e7l\u0131 olur?<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#wie-wechseln\">Ge\u00e7i\u015f b\u00f6yle i\u015fler<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/#faq\">S\u0131k sorulan sorular<\/a><\/li>\n<\/ol>\n<\/div>\n<section id=\"was-ist\">\n<h2>Riester-Rente nedir?<\/h2>\n<p> Riester-Rente, Almanya&#8217;da 2002&#8217;den beri devlet destekli bir bireysel emeklilik \u00fcr\u00fcn\u00fcd\u00fcr. <strong>Y\u0131ll\u0131k 175 \u20ac temel devlet katk\u0131s\u0131<\/strong>, \u00e7ocuk katk\u0131lar\u0131, \u00f6zel gider indirimi ve sorunlu bir unsur olarak zorunlu %100 katk\u0131 garantisini bir araya getiriyordu. <\/p>\n<\/section>\n<section id=\"vergleich\">\n<h2>Riester-Rente ile Altersvorsorgedepot kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/h2>\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>\u00d6zellik<\/th>\n<th>Riester-Rente<\/th>\n<th>Altersvorsorgedepot<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Temel devlet katk\u0131s\u0131<\/td>\n<td>175 \u20ac (sabit)<\/td>\n<td>540 \u20ac&#8217;ya kadar (oransal)<\/td>\n<\/tr>\n<tr>\n<td>\u00c7ocuk katk\u0131s\u0131<\/td>\n<td>185 \u20ac (2008&#8217;den \u00f6nce do\u011fanlar) \/ 300 \u20ac<\/td>\n<td>\u00e7ocuk ba\u015f\u0131na 300 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Katk\u0131 garantisi<\/td>\n<td>%100 zorunlu<\/td>\n<td>%0, %80 veya %100, g\u00f6n\u00fcll\u00fc<\/td>\n<\/tr>\n<tr>\n<td>Yat\u0131r\u0131m<\/td>\n<td>\u00e7o\u011funlukla sigorta \/ garanti havuzu<\/td>\n<td>ETF, fon, tahvil<\/td>\n<\/tr>\n<tr>\n<td>Efektif maliyet<\/td>\n<td>tipik %1,5\u20132,5<\/td>\n<td>en fazla %1 (standart \u00fcr\u00fcn)<\/td>\n<\/tr>\n<tr>\n<td>\u00d6deme<\/td>\n<td>\u00f6m\u00fcr boyu maa\u015f zorunlu<\/td>\n<td>se\u00e7im: \u00f6m\u00fcr boyu maa\u015f veya 85 ya\u015f\u0131na kadar \u00f6deme plan\u0131<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-serbest-calisanlar-ilk-kez-tam-destek-hakki\/\" data-wpil-monitor-id=\"19\">Serbest \u00e7al\u0131\u015fanlar<\/a><\/td>\n<td>do\u011frudan deste\u011fe hak kazanm\u0131yor<\/td>\n<td>deste\u011fe hak kazan\u0131yor<\/td>\n<\/tr>\n<tr>\n<td>Berufseinsteigerbonus<\/td>\n<td>200 \u20ac (bir kerelik)<\/td>\n<td>200 \u20ac (bir kerelik, benzer)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>2027&#8217;den itibaren Riester s\u00f6zle\u015fmeme ne olacak?<\/strong><br \/>Mevcut s\u00f6zle\u015fmeler de\u011fi\u015fmeden devam eder, 2027&#8217;den itibaren yeni s\u00f6zle\u015fme yap\u0131lamaz.<\/p>\n<\/div>\n<figure class=\"avd-figure\">\n<p class=\"avd-figure__title\">30 y\u0131l sonra nihai sermaye: Riester ile Altersvorsorgedepot<\/p>\n<p><img decoding=\"async\" alt=\"Endkapital nach 30 Jahren: Riester vs. Altersvorsorgedepot\" src=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wp-content\/uploads\/2026\/05\/riester-rente-01.png\"\/><figcaption>Daha d\u00fc\u015f\u00fck maliyet ve daha y\u00fcksek hisse senedi oran\u0131, 30 y\u0131lda tipik bir Riester s\u00f6zle\u015fmesine k\u0131yasla yakla\u015f\u0131k 50.000 \u20ac fazla sermaye getirebilir (a\u015fa\u011f\u0131daki \u00f6rnek hesaplamaya bak\u0131n).<\/figcaption><\/figure>\n<section id=\"bestandsschutz\">\n<h2>Mevcut haklar\u0131n korunmas\u0131: eski s\u00f6zle\u015fmelere ne olur?<\/h2>\n<p> 1 Ocak 2027&#8217;den \u00f6nce yap\u0131lm\u0131\u015f Riester s\u00f6zle\u015fmelerine, \u015fimdiye kadarki t\u00fcm devlet destekleri dahil olmak \u00fczere \u00f6deme yapmaya devam edilebilir. S\u00f6zle\u015fmeyi \u015fu \u015fekilde de de\u011ferlendirebilirsiniz: <\/p>\n<ul>\n<li><strong>katk\u0131s\u0131z duruma getirmek<\/strong> (\u00f6deme yok, devlet katk\u0131s\u0131 yok),<\/li>\n<li><strong>feshetmek<\/strong> (deste\u011fe ayk\u0131r\u0131d\u0131r, t\u00fcm devlet katk\u0131lar\u0131 ve vergi avantajlar\u0131 geri \u00f6denir),<\/li>\n<li><strong>bir Altersvorsorgedepot&#8217;a devretmek<\/strong> (destekli sermaye korunur).<\/li>\n<\/ul>\n<\/section>\n<section id=\"wechsel\">\n<h2>Ge\u00e7i\u015f ne zaman kazan\u00e7l\u0131 olur?<\/h2>\n<p>Riester s\u00f6zle\u015fmeniz \u015fu \u00f6zelliklerden birine veya birka\u00e7\u0131na sahipse ge\u00e7i\u015f \u00f6zellikle kazan\u00e7l\u0131d\u0131r:<\/p>\n<ul>\n<li>Y\u00fcksek efektif maliyet (&gt; %1,5).<\/li>\n<li>\u015eimdiye kadarki getirinin d\u00fc\u015f\u00fck olmas\u0131 veya reel getirinin negatif olmas\u0131.<\/li>\n<li>Esnek olmayan \u00f6deme kurallar\u0131.<\/li>\n<li>Uzun kalan s\u00fcre (&gt; 15 y\u0131l); o durumda ge\u00e7i\u015f kendini kesinlikle amorti eder.<\/li>\n<\/ul>\n<p>\u015eu durumlarda <em>ge\u00e7memek<\/em> daha iyidir:<\/p>\n<ul>\n<li>Emeklilik ba\u015flang\u0131c\u0131na \u00e7ok yak\u0131nsan\u0131z.<\/li>\n<li>\u00d6zellikle avantajl\u0131 bir eski taahh\u00fcd\u00fcn\u00fcz varsa (y\u00fcksek garanti faizi).<\/li>\n<li>Wohn-Riester bir gayrimenkul i\u00e7in kullan\u0131lm\u0131\u015fsa.<\/li>\n<\/ul>\n<\/section>\n<section id=\"wie-wechseln\">\n<h2>Ge\u00e7i\u015f b\u00f6yle i\u015fler<\/h2>\n<ol>\n<li>Yeni bir Altersvorsorgedepot sa\u011flay\u0131c\u0131s\u0131 se\u00e7in.<\/li>\n<li>Devir talebini orada verin; gerisini yeni sa\u011flay\u0131c\u0131 halleder.<\/li>\n<li>Eski sa\u011flay\u0131c\u0131 bakiyeyi ve devlet katk\u0131lar\u0131n\u0131 devreder (ilk 5 y\u0131lda en fazla 150 \u20ac \u00fccret).<\/li>\n<li>Yeni destek ko\u015fullar\u0131, yeni sa\u011flay\u0131c\u0131daki s\u00f6zle\u015fme ba\u015flang\u0131c\u0131ndan itibaren ge\u00e7erli olur.<\/li>\n<\/ol>\n<div class=\"avd-callout avd-callout--warn\">\n<strong>\u00d6nemli:<\/strong> Riester s\u00f6zle\u015fmesinin devir yap\u0131lmaks\u0131z\u0131n salt feshedilmesi <em>deste\u011fe ayk\u0131r\u0131d\u0131r<\/em>; o durumda t\u00fcm devlet katk\u0131lar\u0131 ve vergi avantajlar\u0131 geri \u00f6denir. <\/div>\n<\/section>\n<section id=\"personas\">\n<h2>Ge\u00e7mek mi, kalmak m\u0131? \u00dc\u00e7 uygulama \u00f6rne\u011fi<\/h2>\n<div class=\"avd-persona\">\n<p><strong>Sabine, 35, 2008&#8217;den beri Riester fon birikim plan\u0131.<\/strong> Efektif maliyet %1,9, kalan s\u00fcre yakla\u015f\u0131k 30 y\u0131l. %0,5 efektif maliyetli ETF Altersvorsorgedepot&#8217;a ge\u00e7i\u015f: ayn\u0131 ayl\u0131k katk\u0131 ve %6 br\u00fct getiriyle 30 y\u0131lda yakla\u015f\u0131k <strong>40.000 \u20ac fazla sermaye<\/strong> kazan\u0131yor. Ge\u00e7i\u015f a\u00e7\u0131k\u00e7a kazan\u00e7l\u0131.<\/p>\n<\/div>\n<div class=\"avd-persona\">\n<p><strong>Hans, 58, 2002&#8217;den beri klasik Riester sigortas\u0131.<\/strong> Y\u00fcksek garanti faizi (%2,75), h\u00e2lihaz\u0131rda dahil edilmi\u015f k\u00e2r pay\u0131, kalan s\u00fcre 9 y\u0131l. Ge\u00e7i\u015f, y\u00fcksek iptal masraflar\u0131 ve son a\u015famada piyasa riski anlam\u0131na gelirdi. \u00d6neri: s\u00f6zle\u015fmeyi devam ettirmek.<\/p>\n<\/div>\n<div class=\"avd-persona\">\n<p><strong>Krause ailesi, kendi evi i\u00e7in Wohn-Riester.<\/strong> Wohnf\u00f6rderkonto (konut deste\u011fi hesab\u0131) Altersvorsorgedepot&#8217;a devredilemez. \u00d6neri: Wohn-Riester&#8217;\u0131 de\u011fi\u015fmeden s\u00fcrd\u00fcrmek, paralel olarak ayr\u0131ca yeni bir Altersvorsorgedepot a\u00e7mak.<\/p>\n<\/div>\n<\/section>\n<section id=\"rechenbeispiel\">\n<h2>Ge\u00e7i\u015fle elde edilen fazla getiri, \u00f6rnek hesaplama<\/h2>\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>Senaryo<\/th>\n<th>Efektif maliyet<\/th>\n<th>Br\u00fct getiri<\/th>\n<th>30 y\u0131l sonra nihai sermaye<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Eski Riester<\/td>\n<td>%1,8<\/td>\n<td>%5,5<\/td>\n<td>~ 135.000 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Altersvorsorgedepot<\/td>\n<td>%0,5<\/td>\n<td>%6,5<\/td>\n<td>~ 185.000 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><strong>Fark<\/strong><\/td>\n<td><\/td>\n<td><\/td>\n<td><strong>+ 50.000 \u20ac<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"small muted\">Ayda 150 \u20ac ayl\u0131k katk\u0131yla \u00f6rnek hesaplama. Ge\u00e7i\u015f \u00fccretleri ve vergiler hari\u00e7.<\/p>\n<\/section>\n<section id=\"checkliste\">\n<h2>Ge\u00e7i\u015f kontrol listesi<\/h2>\n<ol>\n<li>Eski s\u00f6zle\u015fmenizin <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-en-sik-yapilan-10-hata\/\" data-wpil-monitor-id=\"20\">efektif maliyetini<\/a> \u00fcr\u00fcn bilgi formunda kontrol edin.<\/li>\n<li>Garanti faizini kontrol edin (2012 \u00f6ncesi eski s\u00f6zle\u015fmelerde s\u0131kl\u0131kla &gt; %2).<\/li>\n<li>\u015eimdiye kadar birikmi\u015f sermayeyi ve al\u0131nan devlet katk\u0131lar\u0131n\u0131 son devlet katk\u0131s\u0131 bildiriminden okuyun.<\/li>\n<li>Emeklilik ba\u015flang\u0131c\u0131na kalan s\u00fcreyi belirleyin.<\/li>\n<li>Yeni sa\u011flay\u0131c\u0131y\u0131 (banka, neobroker, sigorta) se\u00e7in ve devir talebini verin.<\/li>\n<li>Devir 8\u201312 hafta s\u00fcrer, eski sa\u011flay\u0131c\u0131 en fazla 150 \u20ac \u00fccret alabilir.<\/li>\n<li>Yeni sa\u011flay\u0131c\u0131da <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/anlage-av-altersvorsorgedepotu-vergi-beyannamesine-yazmak\/\" data-wpil-monitor-id=\"22\">ETF birikim plan\u0131<\/a> kurun ve kal\u0131c\u0131 devlet katk\u0131s\u0131 ba\u015fvurusunu verin.<\/li>\n<\/ol>\n<\/section>\n<section class=\"avd-faq\" id=\"faq\">\n<h2>S\u0131k sorulan sorular: Riester ile Altersvorsorgedepot<\/h2>\n<details>\n<summary>Wohn-Riester&#8217;\u0131 Altersvorsorgedepot&#8217;a devredebilir miyim?<\/summary>\n<p>Hay\u0131r. Wohn-Riester&#8217;a \u00f6zg\u00fc unsurlar (Wohnf\u00f6rderkonto) yeni modele aktar\u0131lamaz. Mevcut Wohn-Riester, mevcut haklar\u0131n korunmas\u0131 kapsam\u0131nda devam eder.<\/p>\n<\/details>\n<details>\n<summary>&#8220;Deste\u011fe ayk\u0131r\u0131 tasfiye&#8221; ne anlama gelir?<\/summary>\n<p>Devlet deste\u011finin kaybedildi\u011fi bir tasfiyedir. Al\u0131nan t\u00fcm devlet katk\u0131lar\u0131 ve vergi avantajlar\u0131 vergi dairesine geri \u00f6denmelidir.<\/p>\n<\/details>\n<details>\n<summary>Emeklili\u011fe yak\u0131n ya\u015fl\u0131 birikimciler i\u00e7in de ge\u00e7i\u015f kazan\u00e7l\u0131 m\u0131?<\/summary>\n<p>Nadiren; k\u0131sa kalan s\u00fcre, ge\u00e7i\u015fin getirdi\u011fi \u00e7abay\u0131 ve olas\u0131 daha y\u00fcksek dalgalanmalar\u0131 telafi edemez.<\/p>\n<\/details>\n<details>\n<summary>Bir ge\u00e7i\u015f ne kadar s\u00fcrer?<\/summary>\n<p>Tipik olarak 8\u201312 hafta. \u0130\u015fin b\u00fcy\u00fck k\u0131sm\u0131n\u0131 yeni sa\u011flay\u0131c\u0131 y\u00fcr\u00fct\u00fcr, eski sa\u011flay\u0131c\u0131n\u0131n onay\u0131na ihtiyac\u0131n\u0131z yoktur.<\/p>\n<\/details>\n<details>\n<summary>Eski devlet deste\u011fi korunur mu?<\/summary>\n<p>Evet. \u015eimdiye kadar al\u0131nan t\u00fcm devlet katk\u0131lar\u0131 ve vergi avantajlar\u0131 bakiyeyle birlikte devredilir.<\/p>\n<\/details>\n<details>\n<summary>Eski sa\u011flay\u0131c\u0131 direnirse ne olur?<\/summary>\n<p>Yasaya g\u00f6re ge\u00e7i\u015fi engelleyemez. Sorun ya\u015fan\u0131rsa \u015fik\u00e2yet mercii BaFin&#8217;dir.<\/p>\n<\/details>\n<details>\n<summary>Riester&#8217;\u0131 devam ettirip paralel olarak bir Altersvorsorgedepot a\u00e7abilir miyim?<\/summary>\n<p>Evet. \u0130ki s\u00f6zle\u015fme bir arada m\u00fcmk\u00fcnd\u00fcr. Ancak devlet katk\u0131lar\u0131 ki\u015fi ba\u015f\u0131na yaln\u0131zca bir kez talep edilebilir.<\/p>\n<\/details>\n<details>\n<summary>Kredi borcu kalan Wohn-Riester&#8217;da ne olur?<\/summary>\n<p>Wohn-Riester \u00f6deme a\u015famas\u0131na kadar s\u00fcrd\u00fcr\u00fcl\u00fcr. Wohnf\u00f6rderkonto&#8217;nun <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-ertelenmis-vergilendirme\/\" data-wpil-monitor-id=\"21\">ertelenmi\u015f vergilendirmesi<\/a> ge\u00e7erlili\u011fini korur.<\/p>\n<\/details>\n<details>\n<summary>Mevcut Riester s\u00f6zle\u015fmelerine faiz i\u015flemeye devam eder mi?<\/summary>\n<p>Evet, s\u00f6zle\u015fmede kararla\u015ft\u0131r\u0131lan garanti faizi art\u0131 varsa k\u00e2r pay\u0131 uyar\u0131nca.<\/p>\n<\/details>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>AVD&#8217;ye ge\u00e7i\u015f kazan\u00e7l\u0131 m\u0131?<\/strong><br \/>AVD&#8217;ye ge\u00e7i\u015f g\u00f6n\u00fcll\u00fcd\u00fcr, en fazla 150 \u20ac tutar ve modern s\u00f6zle\u015fmelerde kazan\u00e7l\u0131 olabilir.<\/p>\n<\/div>\n<p class=\"small muted\">Durum: Haziran 2026.<\/p>\n<section class=\"avd-weiter\">\n<h2>Hesaplamaya ve okumaya devam<\/h2>\n<p class=\"avd-weiter__rechner\"><strong><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/altersvorsorgedepot-hesaplayicisi-genisletilmis\/\">Altersvorsorgedepot hesaplay\u0131c\u0131 Plus<\/a><\/strong> \u2014 devlet deste\u011fini, vergi avantaj\u0131n\u0131 ve nihai sermayeyi kendi durumunuz i\u00e7in hesaplay\u0131n.<\/p>\n<ul class=\"avd-weiter__links\">\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/riesterden-altersvorsorgedepota-gecis-nasil-yapilir\/\">Riester&#8217;dan ge\u00e7i\u015f<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepot\/\">Altersvorsorgedepot<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-temel-devlet-katkisi-devletten-yilda-540-euroya-kadar\/\">Grundzulage (temel devlet katk\u0131s\u0131)<\/a><\/li>\n<\/ul>\n<p class=\"avd-weiter__lexikon\">T\u00fcm kavramlara genel bak\u0131\u015f: <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepot-sozlugu-adan-zye-tum-kavramlar\/\">A&#8217;dan Z&#8217;ye s\u00f6zl\u00fck<\/a>.<\/p>\n<\/section>\n<section class=\"avd-sources\">\n<h2>Resm\u00ee kaynaklar ve ileri bilgiler<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" rel=\"external nofollow\" target=\"_blank\">Bundesministerium der Finanzen, FAQ zur Reform der privaten Altersvorsorge<\/a><\/li>\n<li><a href=\"https:\/\/www.bundesregierung.de\/breg-de\/aktuelles\/reform-private-altersvorsorge-2400072\" rel=\"external nofollow\" target=\"_blank\">Bundesregierung, Reform private Altersvorsorge<\/a><\/li>\n<li><a href=\"https:\/\/www.bundestag.de\/dokumente\/textarchiv\/2026\/kw13-de-altersvorsorge-1156798\" rel=\"external nofollow\" target=\"_blank\">Deutscher Bundestag, Beschluss Altersvorsorgedepot (KW 13\/2026)<\/a><\/li>\n<li><a href=\"https:\/\/dserver.bundestag.de\/btd\/21\/040\/2104088.pdf\" rel=\"external nofollow\" target=\"_blank\">Bundestag-Drucksache 21\/4088 (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/DE\/Ueber-uns-und-Presse\/Presse\/Meldungen\/2026\/260508-bundesrat-reform-private-altersvorsorge.html\" rel=\"external nofollow\" target=\"_blank\">Deutsche Rentenversicherung, Reform-Meldung<\/a><\/li>\n<li><a href=\"https:\/\/www.test.de\/Altersvorsorgedepot-4910361-0\/\" rel=\"external nofollow\" target=\"_blank\">Stiftung Warentest, Altersvorsorgedepot<\/a><\/li>\n<li><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\/altersvorsorge\/neues-altersvorsorgedepot-rentenchance-oder-teure-verkaufsfalle-118178\" rel=\"external nofollow\" target=\"_blank\">Verbraucherzentrale, Neues Altersvorsorgedepot: Chance oder Verkaufsfalle?<\/a><\/li>\n<\/ul>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Riester-Rente ile Altersvorsorgedepot: mevcut haklar\u0131n korunmas\u0131, ge\u00e7i\u015f kurallar\u0131, devlet deste\u011finin kar\u015f\u0131la\u015ft\u0131rmas\u0131. Ge\u00e7i\u015f ne zaman kazan\u00e7l\u0131 olur? Kontrol listesi dahil.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_metasync_otto_title":"","_metasync_otto_description":"","_metasync_otto_keywords":"","_metasync_otto_og_title":"","_metasync_otto_og_description":"","_metasync_otto_twitter_title":"","_metasync_otto_twitter_description":"","rank_math_title":"","rank_math_description":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_aioseo_title":"","_aioseo_description":"","_metasync_seo_title":"Riester-Rente mi Altersvorsorgedepot mu: ge\u00e7mek mi kalmak m\u0131? | AVD Kar\u015f\u0131la\u015ft\u0131rma","_metasync_seo_desc":"Riester-Rente ile Altersvorsorgedepot aras\u0131ndaki farklar ve ge\u00e7i\u015fin mant\u0131kl\u0131 olup olmad\u0131\u011f\u0131. Devlet deste\u011fini ve getiri \u015fans\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n.","_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":[95],"tags":[96,107,106,110,103],"class_list":["post-1779293854","post","type-post","status-publish","format-standard","hentry","category-nedir","tag-altersvorsorgedepot","tag-altersvorsorgereformgesetz","tag-katki-garantisi","tag-oemuer-boyu-maas","tag-temel-devlet-katkisi"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293854","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=1779293854"}],"version-history":[{"count":1,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293854\/revisions"}],"predecessor-version":[{"id":1779294317,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293854\/revisions\/1779294317"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media?parent=1779293854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/categories?post=1779293854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/tags?post=1779293854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}