{"id":22080,"date":"2026-06-09T08:40:03","date_gmt":"2026-06-09T08:40:03","guid":{"rendered":"https:\/\/akdenizolay.com.tr\/index.php\/2026\/06\/09\/beste-18-yas-alti-sozlesme-sayisi-2-milyona-dayandi\/"},"modified":"2026-06-09T08:40:04","modified_gmt":"2026-06-09T08:40:04","slug":"beste-18-yas-alti-sozlesme-sayisi-2-milyona-dayandi","status":"publish","type":"post","link":"https:\/\/akdenizolay.com.tr\/index.php\/2026\/06\/09\/beste-18-yas-alti-sozlesme-sayisi-2-milyona-dayandi\/","title":{"rendered":"BES\u2019te 18 ya\u015f alt\u0131 s\u00f6zle\u015fme say\u0131s\u0131 2 milyona dayand\u0131"},"content":{"rendered":"<p> <strong>Gelece\u011fini g\u00fcvence alt\u0131na almak isteyenlerin ilk tercihi olan 18 ya\u015f alt\u0131 Bireysel Emeklilik Sistemi (BES), son bir y\u0131lda %14,04 oran\u0131nda b\u00fcy\u00fcyerek 2 milyon s\u00f6zle\u015fme s\u0131n\u0131r\u0131na dayand\u0131. 0-4 ya\u015f aras\u0131 k\u00fc\u00e7\u00fck kat\u0131l\u0131mc\u0131lar\u0131n 337 bine ula\u015ft\u0131\u011f\u0131 BES\u2019te Kat\u0131l\u0131m Emeklilik; yenilik\u00e7i, g\u00fcvenilir ve faizsiz fon se\u00e7enekleriyle \u00f6ne \u00e7\u0131karak toplam kat\u0131l\u0131mc\u0131 say\u0131s\u0131nda %10 pazar pay\u0131n\u0131 a\u015fmay\u0131 ba\u015fard\u0131.<\/strong><\/p>\n<p>Sekt\u00f6r\u00fcn \u00f6nc\u00fc ve yenilik\u00e7i markas\u0131 Kat\u0131l\u0131m Emeklilik, \u00e7ocuklar\u0131n birikimleriyle b\u00fcy\u00fcmesine katk\u0131 sa\u011flarken, ailelerin tasarruf bilincini de desteklemeye devam ediyor. 2021 y\u0131l\u0131nda yap\u0131lan yasal d\u00fczenlemeyle hayata ge\u00e7en 18 ya\u015f alt\u0131 BES sayesinde, aradan ge\u00e7en 5 y\u0131lda yakla\u015f\u0131k 2 milyon \u00e7ocuk erken ya\u015fta tasarrufla tan\u0131\u015ft\u0131. 0-4 ya\u015f aras\u0131 k\u00fc\u00e7\u00fck kat\u0131l\u0131mc\u0131 say\u0131s\u0131n\u0131n 337 bine ula\u015ft\u0131\u011f\u0131 bu dinamik pazarda, ailelerin tasarruf kararlar\u0131n\u0131 \u00f6zellikle \u00e7ocuklar\u0131n okul \u00f6ncesi ve ilk\u00f6\u011fretim ba\u015flang\u0131\u00e7 d\u00f6neminde daha sistematik bir \u015fekilde ele ald\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p>Emeklilik G\u00f6zetim Merkezi\u2019nin (EGM) verilerine g\u00f6re, 2026 May\u0131s itibar\u0131yla BES sistemine giren \u00e7ocuklar\u0131n say\u0131s\u0131 1 milyon 700 bini ge\u00e7ti. Toplam s\u00f6zle\u015fme say\u0131s\u0131 da 1 milyon 965 bine ula\u015ft\u0131. 18 ya\u015f alt\u0131 BES\u2019teki toplam fon tutar\u0131 82,6 milyar\u0131 a\u015farken; devlet katk\u0131s\u0131 da 18,9 milyar liray\u0131 ge\u00e7ti. S\u0131f\u0131r ya\u015f kat\u0131l\u0131mc\u0131larda 21.841 olan BES s\u00f6zle\u015fme say\u0131s\u0131, 4 ya\u015f itibar\u0131yla 102.522 seviyesine ula\u015farak h\u0131zl\u0131 bir art\u0131\u015f g\u00f6sterdi. BES\u2019i en \u00e7ok tercih edenler 123 bin 143 \u00e7ocukla 8 ya\u015f grubu olurken, sistemdeki 5-10 ya\u015f grubu \u00e7ocuklar\u0131n toplam say\u0131s\u0131 720.805\u2019e ula\u015ft\u0131.\u00a0<\/p>\n<p>Kat\u0131l\u0131m Emeklilik, 200 bin Erken BES s\u00f6zle\u015fmesi ile sekt\u00f6rdeki toplam 18 ya\u015f alt\u0131 BES hacminin y\u00fczde 10,14\u2019\u00fcne hizmet veriyor. Kat\u0131l\u0131m Emeklilik Genel M\u00fcd\u00fcr\u00fc Ayhan Sincek, 18 ya\u015f alt\u0131 BES plan\u0131n\u0131n \u00f6nemine vurgu yaparak \u015funlar\u0131 s\u00f6yledi: \u201cErken BES, bug\u00fcn\u00fcn k\u00fc\u00e7\u00fck kat\u0131l\u0131mc\u0131lar\u0131n\u0131 de\u011fil, yar\u0131n\u0131n ana yat\u0131r\u0131mc\u0131 kitlesini olu\u015fturuyor. Bu nedenle bu alan\u0131 sadece b\u00fcy\u00fcme de\u011fil, k\u00fclt\u00fcrel d\u00f6n\u00fc\u015f\u00fcm alan\u0131 olarak da g\u00f6r\u00fcyoruz. 18 ya\u015f alt\u0131 BES sayesinde tasarruf, sonradan \u00f6\u011frenilen bir davran\u0131\u015f olmaktan \u00e7\u0131k\u0131p hayat\u0131n do\u011fal bir par\u00e7as\u0131 haline geliyor. \u00c7ocuklar\u0131n tasarruflar\u0131yla b\u00fcy\u00fcmelerine ve finansal \u00f6zg\u00fcrl\u00fck yolculuklar\u0131nda yanlar\u0131nda olmaktan \u00e7ok mutluyuz.\u201d<\/p>\n<p><strong>Kat\u0131l\u0131m Emeklilik 2026\u2019da da fon performans\u0131yla \u00f6ne \u00e7\u0131k\u0131yor\u00a0<\/strong><\/p>\n<p>T\u00fcrkiye\u2019de Bireysel Emeklilik Sistemi\u2019nin (BES) toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc 15 May\u0131s 2026 itibar\u0131yla 2 trilyon 506 milyar TL\u2019yi a\u015farken, Emeklilik G\u00f6zetim Merkezi verilerine g\u00f6re sistem son bir y\u0131lda y\u00fczde 70 b\u00fcy\u00fcme kaydetti. Ayn\u0131 d\u00f6nemde Kat\u0131l\u0131m Emeklilik ise sekt\u00f6r ortalamas\u0131n\u0131n \u00e7ok \u00fczerinde bir performans sergileyerek fon b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc y\u00fczde 90 art\u0131rd\u0131 ve 78,4 milyar TL seviyesine ula\u015ft\u0131.\u00a0<\/p>\n<p>Kat\u0131l\u0131m Emeklilik, g\u00fc\u00e7l\u00fc fon performans\u0131n\u0131 2026 y\u0131l\u0131nda da s\u00fcrd\u00fcrmeye devam ediyor. \u015eirketin Kat\u0131l\u0131m Emeklilik Teknoloji Sekt\u00f6r\u00fc Kat\u0131l\u0131m Emeklilik Fonu (KSH), y\u0131l\u0131n ilk d\u00f6rt ay\u0131nda t\u00fcm BEFAS fonlar\u0131 aras\u0131nda y\u00fczde 33,89 getiri oran\u0131yla en y\u00fcksek performans\u0131 g\u00f6steren fon oldu. Ayr\u0131ca Ocak-Nisan d\u00f6neminde en y\u00fcksek getiri sa\u011flayan ilk 10 fon aras\u0131nda Kat\u0131l\u0131m Emeklilik\u2019e ait \u00fc\u00e7 fon yer ald\u0131. \u0130lgili d\u00f6nemde Kat\u0131l\u0131m Emeklilik Kat\u0131l\u0131m Hisse Senedi Emeklilik Fonu (KEH) y\u00fczde 31,94 getiri sa\u011flarken, Kat\u0131l\u0131m Emeklilik OKS Agresif Kat\u0131l\u0131m De\u011fi\u015fken Emeklilik Fonu (KEZ) de y\u00fczde 28,98\u2019lik performans g\u00f6sterdi.<\/p>\n<p>Kat\u0131l\u0131m Emeklilik Genel M\u00fcd\u00fcr\u00fc Ayhan Sincek, \u015firketin fon performans\u0131na ili\u015fkin de\u011ferlendirmesinde \u015funlar\u0131 s\u00f6yledi: \u201cYat\u0131r\u0131mc\u0131lar\u0131m\u0131z\u0131n g\u00fcveni, do\u011fru fon y\u00f6netimi yakla\u015f\u0131m\u0131m\u0131z ve yenilik\u00e7i \u00fcr\u00fcnlerimiz bu b\u00fcy\u00fcmenin en \u00f6nemli unsurlar\u0131n\u0131 olu\u015fturuyor. 2025 BES fon \u015fampiyonu olarak 2026 y\u0131l\u0131nda da kat\u0131l\u0131mc\u0131lar\u0131m\u0131za kazand\u0131rmaya devam ediyoruz. KSH Teknoloji Fonu\u2019muzun y\u0131l\u0131n ilk d\u00f6rt ay\u0131nda t\u00fcm BEFAS fonlar\u0131 aras\u0131nda en y\u00fcksek getiriyi sa\u011flamas\u0131 ve en y\u00fcksek getirili ilk 10 fon aras\u0131nda \u00fc\u00e7 fonumuzun yer almas\u0131, fon y\u00f6netimindeki g\u00fc\u00e7l\u00fc performans\u0131m\u0131z\u0131 ortaya koyuyor. Y\u00fczde 100 faizsiz ilkelere sahip 20 fonumuzla m\u00fc\u015fterilerimizi farkl\u0131 risk ve getiri beklentilerine uygun \u00e7\u00f6z\u00fcmlerle bulu\u015fturuyoruz.\u201d<\/p>\n<p><strong>Kat\u0131l\u0131m Emeklilik ilk \u00e7eyrekte varl\u0131klar\u0131n\u0131 %83 art\u0131rd\u0131<\/strong><\/p>\n<p><strong>\u00a0<\/strong>Kat\u0131l\u0131m Emeklilik, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011fine ait bilan\u00e7o sonu\u00e7lar\u0131n\u0131 da a\u00e7\u0131klad\u0131. \u015eirket, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re varl\u0131klar\u0131n\u0131 ve prim \u00fcretimini art\u0131rarak finansal g\u00fcc\u00fcn\u00fc peki\u015ftirmeye devam etti. A\u00e7\u0131klanan verilere g\u00f6re Kat\u0131l\u0131m Emeklilik, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde BES fonlar\u0131yla birlikte toplam varl\u0131klar\u0131n\u0131 ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %83\u2019\u00fcn \u00fczerinde bir art\u0131\u015fla 79 milyar TL seviyesine y\u00fckseltti. Kat\u0131l\u0131m Emeklilik, 72 milyon TL olan \u00f6denmi\u015f sermayesini de 1 milyar TL\u2019ye y\u00fckseltti. Sermaye art\u0131\u015f\u0131yla, Kat\u0131l\u0131m Emeklilik, kat\u0131l\u0131m segmentinde 1. s\u0131raya yerle\u015firken, genel sigortac\u0131l\u0131k sekt\u00f6r\u00fcnde de \u00fcst s\u0131ralara \u00e7\u0131kt\u0131. Kat\u0131l\u0131m Emeklilik Genel M\u00fcd\u00fcr\u00fc Ayhan Sincek, \u015firketin finansal sa\u011flaml\u0131\u011f\u0131 ve operasyonel verimlili\u011fine dikkat \u00e7ekerek \u015funlar\u0131 s\u00f6yledi: \u201c2026 y\u0131l\u0131na, s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcme ve operasyonel verimlilik odakl\u0131 stratejilerimiz do\u011frultusunda g\u00fc\u00e7l\u00fc bir ba\u015flang\u0131\u00e7 yapt\u0131k. Toplam varl\u0131klar\u0131m\u0131z BES fonlar\u0131yla birlikte 79 milyar TL seviyesine ula\u015f\u0131rken, prim \u00fcretiminde yakalad\u0131\u011f\u0131m\u0131z dengeli ivme, kat\u0131l\u0131mc\u0131lar\u0131m\u0131z\u0131n bize duydu\u011fu g\u00fcvenin en net g\u00f6stergesidir. Faizsiz sigortac\u0131l\u0131k prensiplerimizden \u00f6d\u00fcn vermeden, dijitalle\u015fme ve do\u011fru risk y\u00f6netimiyle payda\u015flar\u0131m\u0131za de\u011fer \u00fcretmeye devam ediyoruz.&#8221;<\/p>\n<p>\u00a0<\/p>\n<p>Kaynak: (BYZHA) Beyaz Haber Ajans\u0131<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gelece\u011fini g\u00fcvence alt\u0131na almak isteyenlerin ilk tercihi olan 18 ya\u015f alt\u0131 Bireysel Emeklilik Sistemi (BES), son bir y\u0131lda %14,04 oran\u0131nda b\u00fcy\u00fcyerek 2 milyon s\u00f6zle\u015fme s\u0131n\u0131r\u0131na dayand\u0131.<\/p>\n","protected":false},"author":1,"featured_media":22081,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-22080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/22080","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=22080"}],"version-history":[{"count":1,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/22080\/revisions"}],"predecessor-version":[{"id":22082,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/22080\/revisions\/22082"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/media\/22081"}],"wp:attachment":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=22080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=22080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=22080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}