{"id":42,"date":"2020-10-20T19:06:00","date_gmt":"2020-10-20T16:06:00","guid":{"rendered":"https:\/\/baytutumlu.com\/index.php\/2020\/10\/20\/1-milyon-tl\/"},"modified":"2022-06-02T13:38:25","modified_gmt":"2022-06-02T10:38:25","slug":"1-milyon-tl","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2020\/10\/20\/1-milyon-tl\/","title":{"rendered":"1 Milyon TL"},"content":{"rendered":"
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\u201c\u0130lk 100 bin \u00e7ok zordur ama bunu yapmak zorundas\u0131n\u0131z. Her yere y\u00fcr\u00fcyerek mi gidersiniz, yoksa kuponlarla al\u0131nan \u015feyleri mi yersiniz, umrumda de\u011fil\u2026 \u0130lk 100.000$\u2019\u0131 biriktirmek i\u00e7in bir yol bulun. Ondan sonra aya\u011f\u0131n\u0131z\u0131 gazdan biraz \u00e7ekebilirsiniz. \u0130lk 100 bini biriktirmek e\u011fer toplu paran\u0131z yoksa servet sahibi olman\u0131n en zor k\u0131sm\u0131d\u0131r. Sonraki ise ilk 1 milyondur. Bunu yapmak i\u00e7in s\u00fcrekli kazand\u0131\u011f\u0131n\u0131zdan daha az\u0131n\u0131 harcamal\u0131s\u0131n\u0131z. Zenginle\u015fmek, kartopu yuvarlamak gibidir. Y\u00fcksek bir tepenin \u00fczerinden ba\u015flarsan\u0131z bunun \u00e7ok faydas\u0131n\u0131 g\u00f6r\u00fcrs\u00fcn\u00fcz (erken ba\u015flamak ve kar topunu olabildi\u011fince uzun s\u00fcre yuvarlamak). Uzun bir hayat s\u00fcrmek \u00e7ok yard\u0131mc\u0131 olur.\u201c\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0 \u00a0\u00a0<\/i><\/div>\n
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\u00a0 \u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0 \u00a0Charlie Munger<\/span><\/i><\/div>\n
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Yukar\u0131daki s\u00f6z\u00fc s\u00fcrekli olarak kendime hat\u0131rlat\u0131yorum. Sn @lattedenborsaya<\/span><\/a>‘n\u0131n blogunda g\u00f6rd\u00fc\u011f\u00fcm bu s\u00f6z beni yapaca\u011f\u0131m her gereksiz harcamadan geri tutan ve hedeflerimi hat\u0131rlatan bir ba\u015fucu s\u00f6z\u00fc oldu art\u0131k. 10 y\u0131ld\u0131r sabah 8 ak\u015fam 5 \u00e7al\u0131\u015f\u0131yorum. Y\u0131lda 30 g\u00fcn izin kullan\u0131yor, i\u015f hayat\u0131n\u0131n stresini bu 30 g\u00fcnde atmaya \u00e7al\u0131\u015f\u0131yorum. Sadece ben de\u011fil, \u00fclkemizdeki yakla\u015f\u0131k 20 milyondan fazla ki\u015fi benimle ayn\u0131 kaderi payla\u015f\u0131yor. Finansal \u00f6zg\u00fcrl\u00fc\u011f\u00fcm\u00fc kazanarak sadece sevdi\u011fim i\u015fi yapmak i\u00e7in ba\u015flad\u0131\u011f\u0131m yolculukta 28 ay\u0131 geride b\u0131rak\u0131rken ilk defa 7 haneli rakamlara ula\u015ft\u0131m. Hissetti\u011fim duygular ise kar\u0131\u015f\u0131k.. Biraz heyecan, biraz panik, sevin\u00e7le i\u00e7i\u00e7e ge\u00e7mi\u015f durumda. 10 y\u0131l \u00f6nce i\u015f hayat\u0131na ad\u0131m atarken bu g\u00fcn\u00fc hayal dahi edemezdim. O zaman bug\u00fcn\u00fcn \u015ferefine bir durum tespiti yapal\u0131m.<\/span><\/div>\n
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Nas\u0131l Ba\u015fard\u0131m?<\/b><\/span><\/div>\n
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K\u0131saca tasarruf ve yat\u0131r\u0131m ile. \u00c7ok kli\u015fe geliyor ama b\u00f6yle. Aileden gelen bir birikimim yoktu ya da \u015fans oyunlar\u0131ndan bir kazan\u00e7 elde etmedim. Meslek hayat\u0131m\u0131n ilk y\u0131llar\u0131nda a\u011f\u0131rl\u0131kl\u0131 olarak d\u00f6viz ve alt\u0131n ile, son 2.5 y\u0131ld\u0131r ise borsa ve eurobond yat\u0131r\u0131mlar\u0131 ile portf\u00f6y\u00fc b\u00fcy\u00fctmeyi ba\u015fard\u0131m. Portf\u00f6ye ekledi\u011fim her paraya benim i\u00e7in gece g\u00fcnd\u00fcz \u00e7al\u0131\u015fan birer i\u015f\u00e7i g\u00f6z\u00fcyle bak\u0131yorum. Hisse senedini ald\u0131\u011f\u0131m \u015firketler gece g\u00fcnd\u00fcz, bazen 3 vardiya \u00e7al\u0131\u015f\u0131yorlar, kar ediyorlar ve bu karlar\u0131n\u0131 benimle her y\u0131l artan oranlarda payla\u015f\u0131yorlar. Ayr\u0131ca ald\u0131\u011f\u0131m eurobondlar sayesinde y\u0131l\u0131n neredeyse her ay\u0131nda hesab\u0131ma sabit usd kupon getirileri yat\u0131yor. B\u00f6ylece, durmaks\u0131z\u0131n benim ve ailem i\u00e7in \u00e7al\u0131\u015fan bir gelir makinesi olu\u015fturdum ve b\u00fcy\u00fctmeye devam ediyorum.<\/span><\/div>\n
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Tasarruf oranlar\u0131m \u00f6zellikle son 2.5 y\u0131lda hep %50’nin \u00fczerinde oldu. Bunu yaparken, gereksiz ve bana de\u011fer katmayan harcamalar\u0131 k\u0131st\u0131m. Bir harcama yaparken bu bana de\u011fer katacak m\u0131 yoksa sadece anl\u0131k mutlulu\u011fum i\u00e7in mi bunu almak istiyorum \u015feklinde sorular y\u00f6nelttim kendime. B\u00fcy\u00fck harcamalar yaparken 30 g\u00fcn kural\u0131n\u0131<\/span><\/a> uygulamaya \u00e7al\u0131\u015ft\u0131m.\u00a0<\/span><\/div>\n
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Yat\u0131r\u0131m kararlar\u0131nda ise s\u00fcrekli olarak okuyarak ve kendimi geli\u015ftirerek temel analizin t\u00fcm a\u015famalar\u0131n\u0131 kullanmaya \u00e7al\u0131\u015ft\u0131m. Ba\u015flang\u0131\u00e7ta hatalar<\/span><\/a> yapt\u0131m. Hatalar\u0131mda \u0131srar etmeyerek ders almaya gayret ettim. Sadece hisse senetleri ile yetinmeyerek portf\u00f6y\u00fc hedge ama\u00e7l\u0131 eurobond ald\u0131m ve son zamanlarda da yat\u0131r\u0131m fonlar\u0131 ile ikinci bir \u00e7e\u015fitlendirme yapt\u0131m. Daha \u00f6n\u00fcmde \u00e7ok yol var fakat art\u0131k gelecek art\u0131k daha parlak ve net g\u00f6r\u00fcn\u00fcyor…<\/span><\/div>\n
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G\u00fcncel portf\u00f6y\u00fc durumunu ay sonunda detayl\u0131 olarak payla\u015faca\u011f\u0131m fakat k\u0131saca burada da vermek istiyorum. Ha belki ay sonu raporunda 1 milyonun alt\u0131na d\u00fc\u015feriz, onu bilemiyorum \ud83d\ude42 Bir sonraki ay\u0131 piyasas\u0131na kadar an\u0131n tad\u0131n\u0131 \u00e7\u0131karal\u0131m:)<\/span><\/div>\n
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Hisse Senedi Portf\u00f6y\u00fc<\/b><\/span><\/div>\n
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Eurobond Portf\u00f6y\u00fc<\/b><\/span><\/div>\n
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Fon Portf\u00f6y\u00fc<\/b><\/span><\/div>\n
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G\u00fcncel pasif gelir ve portf\u00f6y durumu a\u015fa\u011f\u0131dad\u0131r. 1 milyonu k\u0131l pay\u0131 da olsa ge\u00e7meyi ba\u015fard\u0131k. Tabi usd baz\u0131nda \u00e7ok bir \u015fey ifade etmese de 7 haneli rakamlara ula\u015fmak yine de heyecan verici. Dar\u0131s\u0131 di\u011fer aylara ve gelecek y\u0131llara diyelim.<\/span><\/div>\n
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Finansal \u00f6zg\u00fcrl\u00fck i\u00e7in tasarruf ve yat\u0131r\u0131ma devam…<\/span><\/div>\n
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Bay Tutumlu<\/b><\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u201c\u0130lk 100 bin \u00e7ok zordur ama bunu yapmak zorundas\u0131n\u0131z. Her yere y\u00fcr\u00fcyerek mi gidersiniz, yoksa kuponlarla al\u0131nan \u015feyleri mi yersiniz, umrumda de\u011fil\u2026 \u0130lk 100.000$\u2019\u0131 biriktirmek…<\/p>\n","protected":false},"author":2,"featured_media":392,"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":[5,3,8],"tags":[],"class_list":["post-42","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borsa","category-erken-emeklilik","category-finansal-ozgurluk","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2020\/10\/adler-bird-bird-of-prey-raptor-56865.jpeg?fit=1880%2C1245&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\/42","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=42"}],"version-history":[{"count":1,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/42\/revisions"}],"predecessor-version":[{"id":393,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/42\/revisions\/393"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/392"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=42"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=42"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=42"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}