{"id":1779293860,"date":"2026-06-30T09:09:13","date_gmt":"2026-06-30T09:09:13","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-tr\/altersvorsorgedepotta-getiri-gercekci-olarak-ne-muemkuen\/"},"modified":"2026-10-16T09:51:06","modified_gmt":"2026-10-16T09:51:06","slug":"altersvorsorgedepotta-getiri-gercekci-olarak-ne-muemkuen","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-getiri-gercekci-olarak-ne-muemkuen\/","title":{"rendered":"Altersvorsorgedepot&#8217;ta getiri: ger\u00e7ek\u00e7i olarak ne m\u00fcmk\u00fcn"},"content":{"rendered":"<article class=\"article\">\n<p class=\"avd-lead\"> Getiri, bir yat\u0131r\u0131m\u0131n y\u0131lda y\u00fczde olarak kazanc\u0131d\u0131r. <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) i\u00e7inde getiri, se\u00e7ilen varyanta b\u00fcy\u00fck \u00f6l\u00e7\u00fcde ba\u011fl\u0131d\u0131r: Hisse senedi ETF&#8217;leri uzun vadede y\u00fczde 6 ile 8 aras\u0131 getiriyor, garantili \u00fcr\u00fcnler y\u00fczde 1 ile 4. Fark 30 y\u0131lda y\u00fczde 50 veya daha fazla son sermayeye ula\u015f\u0131yor. <\/p>\n<aside class=\"avd-callout tldr\">\n<p><strong>K\u0131saca en \u00f6nemlileri:<\/strong><\/p>\n<ul>\n<li>Hisse senedi ETF&#8217;leri tarihsel olarak y\u0131lda %6 ile 8<\/li>\n<li>%80 katk\u0131 garantisi getiriyi %3 ile 5 aras\u0131na d\u00fc\u015f\u00fcr\u00fcr<\/li>\n<li>Br\u00fct getiri eksi maliyetler eksi enflasyon = reel getiri<\/li>\n<li>ETF&#8217;li standart \u00fcr\u00fcn: y\u0131lda %5 ile 7 beklenebilir<\/li>\n<li>Varyant se\u00e7imi en b\u00fcy\u00fck kald\u0131ra\u00e7<\/li>\n<\/ul>\n<\/aside>\n<section id=\"was-ist\">\n<h2>Getiri nedir?<\/h2>\n<p> Getiri, kazanc\u0131n yat\u0131r\u0131lan sermayeye oran\u0131d\u0131r, belirli bir d\u00f6nem i\u00e7in y\u00fczde olarak ifade edilir. Emeklilik birikiminde genellikle <strong>y\u0131ll\u0131k getiri<\/strong> olarak belirtilir (p.a., per annum). <\/p>\n<p> 1.000 euro yat\u0131ran ve bir y\u0131l sonra 1.060 eurosu olan ki\u015fi y\u00fczde 6 getiri elde etmi\u015ftir. Uzun d\u00f6nemlerde <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-bilesik-faiz-erken-baslamak-neden-her-seyi-degistirir\/\">bile\u015fik faiz etkisi<\/a> ba\u015frol\u00fc al\u0131r, o zaman art\u0131k tek bir y\u0131l\u0131n kazanc\u0131 de\u011fil, <em>ortalama<\/em> getiri \u00f6nemlidir. <\/p>\n<\/section>\n<section id=\"brutto-netto\">\n<h2>Br\u00fct ve net getiri, belirleyici fark<\/h2>\n<p> Reklamlarda ve \u00f6rnek hesaplamalarda genellikle br\u00fct getiri belirtilir, bu salt piyasa geli\u015fmesidir. Sonunda birikim yapana ula\u015fan ise <strong>net getiridir<\/strong>: <\/p>\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>B\u00fcy\u00fckl\u00fck<\/th>\n<th>De\u011fer<\/th>\n<th>\u00d6rnek<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Br\u00fct getiri<\/td>\n<td>\u00f6rn. y\u0131lda %7<\/td>\n<td>MSCI World, tarihsel<\/td>\n<\/tr>\n<tr>\n<td>\u2212 <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-efektif-maliyet-bilmeniz-gerekenler\/\">Efektif maliyetler<\/a><\/td>\n<td>\u22120,3 ile \u22121,8 %<\/td>\n<td>sa\u011flay\u0131c\u0131ya g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td>= vergi \u00f6ncesi net getiri<\/td>\n<td>%5,2 ile 6,7<\/td>\n<td>hesapta kalan<\/td>\n<\/tr>\n<tr>\n<td>\u2212 enflasyon<\/td>\n<td>uzun vadede \u2212%2<\/td>\n<td>sat\u0131n alma g\u00fcc\u00fc kayb\u0131<\/td>\n<\/tr>\n<tr>\n<td>= reel getiri<\/td>\n<td>%3,2 ile 4,7<\/td>\n<td>ger\u00e7ek varl\u0131k art\u0131\u015f\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p> Emeklilikte ertelenmi\u015f vergilendirmede buna bir de vergiler ekleniyor (bkz. <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-ertelenmis-vergilendirme\/\">Ertelenmi\u015f vergilendirme<\/a>). T\u00fcm kesintilere ra\u011fmen Altersvorsorgedepot, tasarruf hesab\u0131 ve g\u00fcnl\u00fck faizli hesaba g\u00f6re getiri bak\u0131m\u0131ndan \u00fcst\u00fcn kal\u0131yor. <\/p>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>AVD&#8217;de hangi getiri ger\u00e7ek\u00e7i?<\/strong><br \/>ETF getirisi tarihsel olarak y\u0131lda y\u00fczde 6 ile 8, bu AVD&#8217;de de ger\u00e7ek\u00e7i beklenti.<\/p>\n<\/div>\n<section id=\"historische-werte\">\n<h2>Tarihsel getirilerin kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/h2>\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>Yat\u0131r\u0131m bi\u00e7imi<\/th>\n<th>\u00d8 br\u00fct getiri (y\u0131ll\u0131k)<\/th>\n<th>Dalgalanma<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>MSCI World (hisse senedi ETF&#8217;si)<\/td>\n<td>~ 7,5 %<\/td>\n<td>y\u0131lda \u2212%40 ile +%40<\/td>\n<\/tr>\n<tr>\n<td>FTSE All-World<\/td>\n<td>~ 7 %<\/td>\n<td>MSCI World&#8217;e benzer<\/td>\n<\/tr>\n<tr>\n<td>Devlet tahvilleri DE\/AB<\/td>\n<td>~ 2 %<\/td>\n<td>d\u00fc\u015f\u00fck<\/td>\n<\/tr>\n<tr>\n<td>Karma fonlar 60\/40<\/td>\n<td>~ 4,5 %<\/td>\n<td>\u0131l\u0131ml\u0131<\/td>\n<\/tr>\n<tr>\n<td>G\u00fcnl\u00fck faizli hesap (2010&#8217;dan beri ortalama)<\/td>\n<td>~ 0,7 %<\/td>\n<td>yok<\/td>\n<\/tr>\n<tr>\n<td>Almanya&#8217;da enflasyon<\/td>\n<td>~ 2 %<\/td>\n<td>do\u011frudan kar\u015f\u0131la\u015ft\u0131r\u0131labilir de\u011fil<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"small muted\">Kaynaklar: MSCI, Deutsche Bundesbank, Statistisches Bundesamt. De\u011ferler yuvarlanm\u0131\u015ft\u0131r, 30 y\u0131l \u00fczerinden uzun vadeli ortalamalar.<\/p>\n<\/section>\n<section id=\"varianten\">\n<h2>AVD varyant\u0131na g\u00f6re getiri beklentisi<\/h2>\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>Varyant<\/th>\n<th>Beklenen getiri (y\u0131ll\u0131k)<\/th>\n<th>30 y\u0131l sonra \u00f6rnek son sermaye*<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Salt hisse senedi ETF&#8217;si (%0 garanti)<\/td>\n<td>%6 ile 8<\/td>\n<td>~ 100.000 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>%80 katk\u0131 garantisi<\/td>\n<td>%3 ile 5<\/td>\n<td>~ 65.000 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>%100 katk\u0131 garantisi<\/td>\n<td>%1 ile 3<\/td>\n<td>~ 45.000 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>Standart \u00fcr\u00fcn (pasif ETF&#8217;ler, d\u00fc\u015f\u00fck maliyet)<\/td>\n<td>%5 ile 7<\/td>\n<td>~ 85.000 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"small muted\">*Varsay\u0131m: ayda 100 euro kendi katk\u0131s\u0131 art\u0131 y\u0131lda 540 euro temel devlet katk\u0131s\u0131.<\/p>\n<p> Varyant se\u00e7imi, getiri i\u00e7in en b\u00fcy\u00fck kald\u0131ra\u00e7. 20+ y\u0131l zaman\u0131 olan ki\u015fi <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-katki-garantisi-zorunlu-degil-istege-bagli\/\">katk\u0131 garantisini<\/a> kritik bi\u00e7imde sorgulamal\u0131, bu garanti ortalama olarak her yat\u0131r\u0131m y\u0131l\u0131 i\u00e7in 1.000 ile 1.500 euro getiriye mal oluyor. <\/p>\n<\/section>\n<section id=\"risiko\">\n<h2>Getiri ve risk birlikte gider<\/h2>\n<p> Daha y\u00fcksek getiri beklentisi her zaman daha y\u00fcksek k\u0131sa vadeli dalgalanma riski de demektir. Hisse senedi piyasalar\u0131 krizlerde y\u00fczde 30 ile 50 kaybedebilir. Ancak uzun d\u00f6nemlerde 15+ y\u0131ll\u0131k her d\u00f6nemde pozitif bir reel getiri g\u00f6r\u00fclm\u00fc\u015ft\u00fcr (MSCI World, 1970&#8217;teki endeks ba\u015flang\u0131c\u0131ndan beri). <\/p>\n<p> Emeklilik ba\u015flang\u0131c\u0131na k\u0131sa s\u00fcre kalan ki\u015fi a\u015famal\u0131 olarak g\u00fcvenli yat\u0131r\u0131mlara ge\u00e7melidir. Bunun i\u00e7in bir\u00e7ok sa\u011flay\u0131c\u0131, hisse senedi oran\u0131n\u0131 ya\u015f ilerledik\u00e7e otomatik olarak azaltan bir <strong>ya\u015fam evresi modeli<\/strong> (glidepath) sunuyor. <\/p>\n<\/section>\n<section class=\"avd-faq\" id=\"faq\">\n<h2>Getiri hakk\u0131nda s\u0131k sorulan sorular<\/h2>\n<details>\n<summary>Sa\u011flay\u0131c\u0131m hangi getiriyi vaat ediyor?<\/summary>\n<p>Sa\u011flay\u0131c\u0131lar getirileri yaln\u0131zca tarihsel \u00f6rnek hesaplama olarak g\u00f6sterebilir, asla vaat olarak de\u011fil. \u201ehistorische Wertentwicklung\u201c (ge\u00e7mi\u015f de\u011fer geli\u015fimi) uyar\u0131s\u0131na ve temel al\u0131nan varsay\u0131mlara dikkat edin.<\/p>\n<\/details>\n<details>\n<summary>Y\u00fczde 6 getiri ger\u00e7ek\u00e7i mi?<\/summary>\n<p>Geni\u015f \u00e7e\u015fitlendirilmi\u015f bir hisse senedi ETF&#8217;sinde uzun vadede evet. K\u0131sa d\u00f6nemlerde getiri bunun \u00e7ok alt\u0131nda (veya \u00fcst\u00fcnde) olabilir.<\/p>\n<\/details>\n<details>\n<summary>Uzun bir piyasa durgunlu\u011funda ne olur?<\/summary>\n<p>En k\u00f6t\u00fc 20 y\u0131ll\u0131k d\u00f6nemlerden sonra bile (\u00f6rn. Japonya 1989 ile 2009 aras\u0131) k\u00fcresel \u00e7e\u015fitlendirilmi\u015f bir portf\u00f6y hafif pozitif getiri sa\u011flam\u0131\u015ft\u0131r. Buna kar\u015f\u0131l\u0131k a\u011f\u0131rl\u0131\u011f\u0131 kendi \u00fclkesinde olan bir portf\u00f6y uzun s\u00fcre eksi kalabilir.<\/p>\n<\/details>\n<details>\n<summary>Maliyetler getiriyi ne kadar etkiliyor?<\/summary>\n<p>G\u00fc\u00e7l\u00fc bi\u00e7imde. Y\u00fczde bir daha y\u00fcksek efektif maliyet, 30 y\u0131l sonra son sermayeyi y\u00fczde 20 ile 30 azalt\u0131r. Ayr\u0131nt\u0131lar: <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-efektif-maliyet-bilmeniz-gerekenler\/\">Efektif maliyetler<\/a>.<\/p>\n<\/details>\n<details>\n<summary>Devlet katk\u0131lar\u0131 da getiri kazan\u0131yor mu?<\/summary>\n<p>Evet. Temel devlet katk\u0131s\u0131 ve \u00e7ocuk katk\u0131s\u0131 do\u011frudan hesaba kaydedilir ve o andan itibaren getiri kazan\u0131r.<\/p>\n<\/details>\n<details>\n<summary>Enflasyonun etkisi nas\u0131l?<\/summary>\n<p>Son sermayenin sat\u0131n alma g\u00fcc\u00fcn\u00fc azalt\u0131r. Y\u00fczde 2 enflasyonda 100.000 euro, 30 y\u0131l i\u00e7inde bug\u00fcn\u00fcn sat\u0131n alma g\u00fcc\u00fcyle yaln\u0131zca yakla\u015f\u0131k 55.000 euroya kar\u015f\u0131l\u0131k gelir. Bu nedenle enflasyon oran\u0131n\u0131n \u00fczerinde getiri gerekir.<\/p>\n<\/details>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>Sonunda benim i\u00e7in ne \u00f6nemli?<\/strong><br \/>Maliyetler ve enflasyondan sonraki net getiri belirleyici de\u011ferdir. Bir\u00e7ok reklam bro\u015f\u00fcr\u00fc burada fazla iyimser hesapl\u0131yor.<\/p>\n<\/div>\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-Rechner Plus<\/a><\/strong> \u2014 devlet deste\u011fini, vergi avantaj\u0131n\u0131 ve son 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\/enflasyon-ve-satin-alma-gucu-depotunuz-30-yil-sonra-gercekte-ne-degerinde\/\">Enflasyon ve sat\u0131n alma g\u00fcc\u00fc<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-efektif-maliyet-bilmeniz-gerekenler\/\">Efektif maliyetler<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/nedir\/altersvorsorgedepotta-katki-garantisi-zorunlu-degil-istege-bagli\/\">katk\u0131 garantisini<\/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>Kaynaklar<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.bundesbank.de\/de\/service\/statistik-suche\" rel=\"external nofollow\" target=\"_blank\">Deutsche Bundesbank, Zinsstatistik<\/a><\/li>\n<li><a href=\"https:\/\/www.destatis.de\/DE\/Themen\/Wirtschaft\/Preise\/Verbraucherpreisindex\/_inhalt.html\" rel=\"external nofollow\" target=\"_blank\">Statistisches Bundesamt, Inflation<\/a><\/li>\n<li><a href=\"https:\/\/www.test.de\/Altersvorsorgedepot-4910361-0\/\" rel=\"external nofollow\" target=\"_blank\">Stiftung Warentest, Altersvorsorgedepot<\/a><\/li>\n<\/ul>\n<\/section>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Altersvorsorgedepot&#8217;un sa\u011flayabilece\u011fi getiri: ETF, karma portf\u00f6yler ve garantili \u00fcr\u00fcnler i\u00e7in ger\u00e7ek\u00e7i beklentiler, uzun vadeli aral\u0131klar ve \u00f6rnek hesaplamalar.<\/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":"Altersvorsorgedepot\u2019ta getiri: ger\u00e7ek\u00e7i olan ne? | AVD Kar\u015f\u0131la\u015ft\u0131rma","_metasync_seo_desc":"Altersvorsorgedepot getirisi: ETF ve di\u011ferleri i\u00e7in br\u00fct, net ve reel getiriyi anlay\u0131n. Devlet deste\u011finizi \u015fimdi hesaplay\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":[96,115,97,98,106],"class_list":["post-1779293860","post","type-post","status-publish","format-standard","hentry","category-nedir","tag-altersvorsorgedepot","tag-bilesik-faiz","tag-efektif-maliyet","tag-etf","tag-katki-garantisi"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293860","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=1779293860"}],"version-history":[{"count":1,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293860\/revisions"}],"predecessor-version":[{"id":1779294345,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/posts\/1779293860\/revisions\/1779294345"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/media?parent=1779293860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/categories?post=1779293860"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/tr\/wp-json\/wp\/v2\/tags?post=1779293860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}