{"id":14,"date":"2021-12-24T20:33:00","date_gmt":"2021-12-24T17:33:00","guid":{"rendered":""},"modified":"2022-05-24T19:52:29","modified_gmt":"2022-05-24T16:52:29","slug":"2021-yili-degerlendirmesi-ve-2022-hedeflerim","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2021\/12\/24\/2021-yili-degerlendirmesi-ve-2022-hedeflerim\/","title":{"rendered":"2021 Y\u0131l\u0131 De\u011ferlendirmesi ve 2022 Hedeflerim"},"content":{"rendered":"

Herkese selamlar.<\/span><\/p>\n

Ge\u00e7en y\u0131l sonu de\u011ferlendirme yaz\u0131s\u0131nda her a\u00e7\u0131dan ola\u011fan\u00fcst\u00fc bir y\u0131l\u0131 geride b\u0131rakt\u0131\u011f\u0131m\u0131z\u0131 yazm\u0131\u015ft\u0131m. Ger\u00e7ekten de \u00f6yle idi. En son y\u00fcz y\u0131l \u00f6nce b\u00f6yle bir pandemi ya\u015fayan d\u00fcnya, aksayan tedarik zinciri ve bitmeyen varyantlarla olduk\u00e7a zor d\u00f6nemler ge\u00e7irdi. Finansal piyasalar ise 2020’de olduk\u00e7a h\u0131zl\u0131 toparlayarak bir\u00e7ok ekonomisti \u015fa\u015f\u0131rtm\u0131\u015ft\u0131. FED’in piyasaya s\u00fcrd\u00fc\u011f\u00fc ola\u011fan\u00fcst\u00fc b\u00fcy\u00fckl\u00fckte paran\u0131n ciddi bir k\u0131sm\u0131 hisse senetlerine akarak yat\u0131r\u0131mc\u0131lar\u0131n y\u00fcksek karlar elde etmelerini sa\u011flad\u0131. 2021’de global piyasalar a\u00e7\u0131s\u0131ndan bir \u00f6nceki y\u0131ldan \u00e7ok farkl\u0131 de\u011fildi a\u00e7\u0131k\u00e7as\u0131. \u00dclkemiz ise en ge\u00e7 2-3 y\u0131lda bir kendi yerel krizini \u00fcretmekte usta oldu\u011fu i\u00e7in 2021 bizim a\u00e7\u0131m\u0131zdan global piyasalar kadar iyi ge\u00e7medi. T\u00fcm d\u00fcnyada artan faizlere kar\u015f\u0131n merkez bankas\u0131n\u0131n faiz indirme politikas\u0131, buna paralel kurun y\u00fckseli\u015f hareketi ve genel g\u00fcvensizlik ortam\u0131 nedeniyle y\u0131l\u0131n son \u00e7eyre\u011fine kadar yatay giden piyasa son \u00e7eyrekte hareketlenmeye ba\u015flad\u0131. Yine de pek \u00e7ok yat\u0131r\u0131mc\u0131 i\u00e7in 2021’in bir \u00f6nceki y\u0131l kadar karl\u0131 ge\u00e7medi\u011fi bir ger\u00e7ek.<\/span><\/p>\n

\n

<\/a><\/p>\n

Ki\u015fisel finansal \u00f6zg\u00fcrl\u00fck yolculu\u011fumu payla\u015ft\u0131\u011f\u0131m bu blogda son iki y\u0131ld\u0131r y\u0131ll\u0131k bazda hedeflerimi payla\u015f\u0131yor ve y\u0131l sonunda bunlar\u0131 ne kadar ger\u00e7ekle\u015ftirebilmi\u015fim bak\u0131yorum. \u00d6nceki y\u0131l hedeflerine a\u015fa\u011f\u0131daki linklerden ula\u015fabilirsiniz.<\/span><\/p>\n

2020 y\u0131l\u0131 hedeflerim<\/span><\/a><\/p>\n

2021 y\u0131l\u0131 hedeflerim<\/span><\/a><\/p>\n

\u00d6ncelikle 2020 sonunda koymu\u015f oldu\u011fum 2021 hedeflerime bakal\u0131m.<\/span><\/p>\n

1. 50.000 TL ileriye d\u00f6n\u00fck temett\u00fc geliri elde etmeliyim.<\/b><\/span><\/p>\n

Y\u0131l ba\u015f\u0131nda pek olas\u0131 g\u00f6rmedi\u011fim bu hedefime y\u0131l sonu itibariyle ula\u015fm\u0131\u015f durumday\u0131m. 2021 y\u0131l\u0131nda toplam ileriye d\u00f6n\u00fck temett\u00fc gelirim 55.922 TL oldu. Portf\u00f6y durumunu ay sonu itibariyle payla\u015faca\u011f\u0131m.<\/span><\/p>\n

2. 2500 usd(20.000 TL) eurobond kupon geliri elde etmeliyim.<\/b><\/span><\/p>\n

Bu hedefime maalesef usd baz\u0131nda ula\u015famad\u0131m fakat dolar\u0131n y\u00fcksek oranda de\u011fer kazanc\u0131yla TL baz\u0131nda rahat ula\u015ft\u0131\u011f\u0131m bir hedef oldu. Toplamda 2021 y\u0131l\u0131 i\u00e7erisinde 2382.5 usd eurobond kupon geliri elde ettim. G\u00fcncel kur ile yakla\u015f\u0131k 27.368 TL ediyor.<\/span><\/p>\n

3. Toplamda 70.000 TL pasif gelire ula\u015fmak.<\/b><\/span><\/p>\n

Bu da ula\u015ft\u0131\u011f\u0131m ba\u015fka bir hedef oldu. 2021 y\u0131l\u0131nda 83.290 TL toplam pasif gelire ula\u015ft\u0131m ve son 12 ay harcamalar\u0131m olan 84.152 TL’nin \u00e7ok hafif alt\u0131nda olsam da rahatl\u0131kla bu y\u0131lki harcamalar\u0131m\u0131 pasif gelirlerim kar\u015f\u0131lard\u0131 diyebiliyorum.<\/span><\/p>\n

4. Toplam 20 adet kitap okumal\u0131y\u0131m.<\/b><\/span><\/p>\n

Maalesef bu hedefe ula\u015famad\u0131m. Y\u0131la iyi ba\u015flasam da \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekten sonra biraz sald\u0131m ve hedefin gerisinde kald\u0131m. Bu y\u0131l okudu\u011fum kitaplar,<\/span><\/p>\n

Borsada Tek Ba\u015f\u0131na-Peter Lynch<\/span><\/p>\n

Atomik Al\u0131\u015fkanl\u0131klar-James Clear<\/span><\/p>\n

21. Y\u00fczy\u0131l i\u00e7in 21 Ders-Yuval Noah Harari<\/span><\/p>\n

S\u0131radan Hisseler S\u0131rad\u0131\u015f\u0131 Karlar-Philip Fisher<\/span><\/p>\n

Piyasalar\u0131n \u015eifresini \u00c7\u00f6zen Adam-Gregory Zuckerman<\/span><\/p>\n

Borsada \u00d6nden Ko\u015fanlar-Arzu G\u00fcneysu Y\u0131ld\u0131r\u0131m<\/span><\/p>\n

Tanr\u0131 Daima Tedbili Kiyafet Gezer-Laurent Gounelle<\/span><\/p>\n

Warren Buffett ve Finansal Tablolar\u0131n Yorumlanmas\u0131-Mary Buffett ve David Clark<\/span><\/p>\n

The Millionaire Next Door-Thomas J. Stanley<\/span><\/p>\n

\u0130nci-John Steinbeck<\/span><\/p>\n

Otuz Milyon Kelime-Dana L. Suskind<\/span><\/p>\n

Borsada Rastgele Seyir-Burton G. Malkiel<\/span><\/p>\n

G\u00f6\u00e7-R.A. Salvatore<\/span><\/p>\n

Kristal Par\u00e7as\u0131-R.A. Salvatore<\/span><\/p>\n

Bir Borsa Spek\u00fclat\u00f6r\u00fcn\u00fcn An\u0131lar\u0131-Edvin Lefevre<\/span><\/p>\n

Toplamda 15 kitap okumu\u015fum. San\u0131r\u0131m limitim buralarda:)<\/span><\/p>\n

5. 75 kg civar\u0131nda kalmak ve d\u00fczenli egzersizlere devam etmek.<\/b><\/span><\/p>\n

Bu hedefime de b\u00fcy\u00fck oranda ula\u015ft\u0131m. \u015eu anda 74.9 kiloyum ve \u00f6n\u00fcm\u00fczdeki y\u0131l da bu civarlarda kalmay\u0131 hedefliyorum.<\/span><\/p>\n

6. Genel olarak t\u00fcm y\u0131l boyunca mutluluk seviyemi 10 \u00fczerinden 7 civar\u0131nda tutmak<\/b><\/span><\/p>\n

Bu hedefi her ay payla\u015faca\u011f\u0131m demi\u015ftim fakat beceremedim:) Yine de genel bir rakam verecek olursam \u015fu anda 10 \u00fczerinde 8.5 diyebilirim mutluluk seviyem i\u00e7in. Bakal\u0131m 2022 y\u0131l\u0131 bizi ne \u015fekilde s\u0131nayacak merak ediyorum.<\/span><\/p>\n

\u015eimdi gelelim 2022 hedeflerine,<\/span><\/b><\/p>\n

\n

<\/a><\/b><\/div>\n

\u00a0<\/span><\/b><\/p>\n

1. 115.000 TL ileriye d\u00f6n\u00fck temett\u00fc geliri elde etmeliyim. Birka\u00e7 g\u00fcn \u00f6nce twitterda da payla\u015ft\u0131\u011f\u0131m gibi bu y\u0131l 100 bin TL’nin \u00fczerinde temett\u00fc almay\u0131 hedefliyorum. Hedefi yine motivasyon olsun diye bilerek y\u00fcksek tutuyorum, umar\u0131m ula\u015fabilirim.<\/span><\/p>\n

2. 3000 usd(g\u00fcncel kurla 35 bin TL civar\u0131) eurobond kupon geliri elde etmeliyim.<\/span><\/p>\n

3. Toplamda 150 bin tl pasif gelire ula\u015fmal\u0131y\u0131m.<\/span><\/p>\n

4. Toplamda 15 tane kitap okumal\u0131y\u0131m. Bu y\u0131l 20 kitap hedefine ula\u015famad\u0131m, bu y\u00fczden hedefi biraz d\u00fc\u015f\u00fcr\u00fcyorum.<\/span><\/p>\n

5. 75 kg civar\u0131nda kalmal\u0131y\u0131m ve d\u00fczenli egzersizlere devam etmeliyim. Ayr\u0131ca bisiklete a\u011f\u0131rl\u0131k vererek turlara kat\u0131lmal\u0131y\u0131m.\u00a0<\/span><\/p>\n

6. Kurumsal hayattan ayr\u0131larak kendi i\u015fime ba\u015flamal\u0131y\u0131m. En b\u00fcy\u00fck hedefi sona saklad\u0131m. Her\u015fey yolunda giderse bu y\u0131l i\u00e7erisinde kurumsal hayat\u0131 b\u0131rak\u0131p kendi i\u015flerimle ve yat\u0131r\u0131mla me\u015fgul olmay\u0131 hedefliyorum. Bununla ilgili kafamda planlar ve d\u00fc\u015f\u00fcnceler var. Zaman\u0131 geldik\u00e7e blogdan ve twitter’dan payla\u015fmaya devam edece\u011fim.<\/span><\/p>\n

Benim 2022 hedeflerim b\u00f6yle. Sizde durumlar nas\u0131l? 2021 hedeflerinize ula\u015fabildiniz mi?<\/span><\/p>\n

Okudu\u011funuz i\u00e7in te\u015fekk\u00fcr ederim.<\/span><\/p>\n

Bay Tutumlu<\/span><\/p>\n

\n","protected":false},"excerpt":{"rendered":"

Herkese selamlar. Ge\u00e7en y\u0131l sonu de\u011ferlendirme yaz\u0131s\u0131nda her a\u00e7\u0131dan ola\u011fan\u00fcst\u00fc bir y\u0131l\u0131 geride b\u0131rakt\u0131\u011f\u0131m\u0131z\u0131 yazm\u0131\u015ft\u0131m. Ger\u00e7ekten de \u00f6yle idi. En son y\u00fcz y\u0131l \u00f6nce b\u00f6yle…<\/p>\n","protected":false},"author":2,"featured_media":262,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[13,5,11,3,7,8,6,21,12,14,15],"tags":[],"class_list":["post-14","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-barista-fire","category-borsa","category-coast-fire","category-erken-emeklilik","category-eurobond","category-finansal-ozgurluk","category-fire","category-hedeflerim","category-kisisel-gelisim","category-tasarruf","category-yatirim","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2021\/12\/board-g63df8d3e2_1920.jpeg?fit=1920%2C1280&ssl=1","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/14","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/comments?post=14"}],"version-history":[{"count":3,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/14\/revisions"}],"predecessor-version":[{"id":263,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/14\/revisions\/263"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/262"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=14"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=14"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}