{"id":44,"date":"2020-09-19T11:49:00","date_gmt":"2020-09-19T08:49:00","guid":{"rendered":"https:\/\/baytutumlu.com\/index.php\/2020\/09\/19\/finansal-ozgurluk-planimguncelleme-1\/"},"modified":"2022-06-02T13:40:05","modified_gmt":"2022-06-02T10:40:05","slug":"finansal-ozgurluk-planimguncelleme-1","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2020\/09\/19\/finansal-ozgurluk-planimguncelleme-1\/","title":{"rendered":"Finansal \u00d6zg\u00fcrl\u00fck Plan\u0131m(G\u00fcncelleme 1)"},"content":{"rendered":"
Herkese selamlar,<\/span><\/div>\n
\u0130lk olarak 2019 y\u0131l\u0131 sonunda payla\u015ft\u0131\u011f\u0131m ve 2020 may\u0131sta geli\u015ftirdi\u011fim Finansal \u00d6zg\u00fcrl\u00fck Plan\u0131m<\/a>‘a 4 ay sonra geri d\u00f6n\u00fcp ne kadar ilerlemi\u015fiz bakmak istiyorum.<\/span><\/div>\n
<\/div>\n
\u00a0<\/span><\/div>\n
\u00d6nceki yaz\u0131da da payla\u015ft\u0131\u011f\u0131m \u00fczere tasarruf ve yat\u0131r\u0131m yaparak erken emekli olmay\u0131 hedefliyorum. Bunun i\u00e7in kendim ve ailem i\u00e7in 10 y\u0131ll\u0131k bir zaman dilimi belirlemi\u015f ve bir yat\u0131r\u0131m plan\u0131 yapm\u0131\u015ft\u0131m. Bu plana g\u00f6re ayl\u0131k 1250 usd harcama hedefleyerek %4 kural\u0131na g\u00f6re toplam 375 bin usdlik bir portf\u00f6ye sahip olmay\u0131 hedefliyorum.\u00a0<\/span><\/div>\n

\n<\/span><\/a><\/span><\/div>\n
Dolar\u0131n 2020 y\u0131l i\u00e7erisindeki y\u00fckseli\u015fi ile birlikte 650 usd olan son 12 ayl\u0131k ortalama harcamalar\u0131m\u0131z 525 usd seviyesine kadar geriledi. Tabi, bu ilk bak\u0131\u015fta iyi gibi g\u00f6r\u00fcnse de usd baz\u0131nda reel kazan\u00e7 elde edemezsek finansal \u00f6zg\u00fcrl\u00fck oran\u0131m\u0131z\u0131n yerinde sayaca\u011f\u0131 a\u015fikar. May\u0131s ay\u0131nda toplamda 103 bin usd olan portf\u00f6y b\u00fcy\u00fckl\u00fc\u011f\u00fcm, dolar\u0131n art\u0131\u015f\u0131na ra\u011fmen 4 ayda 121 bin usd’ye ula\u015fm\u0131\u015f. B\u00f6ylece program\u0131n hesaplad\u0131\u011f\u0131 122 bin usdlik sene sonu medyan portf\u00f6y b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc 3 ay erkenden elde etmi\u015f oldum. <\/span><\/span><\/div>\n
\u00a0<\/span><\/span><\/div>\n
<\/span><\/span><\/div>\n
\u00a0<\/span><\/span><\/div>\n
Program bir sonraki y\u0131l sonunu medyan 148 bin usd, maksimum ise 180 bin usd olarak hesapl\u0131yor. Benim hedefim ise y\u00fcksek tasarruf oran\u0131n\u0131 \u00f6n\u00fcm\u00fczdeki y\u0131l da devam ettirerek 200 bin usd seviyesini yakalamak. Program nominal olarak usd baz\u0131nda y\u0131lda %9 getiri hedefliyor. Bunu ne kadar art\u0131rabilirsem hedefe ula\u015fma s\u00fcresini o kadar k\u0131saltabiliyorum. Tabi b\u00fcy\u00fck kriz d\u00f6nemlerinde belki %9 hedefi de tutturulamayabilir ya da y\u0131ll\u0131k 19 bin usd tasarruf hedefini \u00e7ocuk olursa masraflar artaca\u011f\u0131 i\u00e7in yakalayamayabiliriz. Fakat \u015fu an i\u00e7in program\u0131n \u00f6n\u00fcnde gitti\u011fimizi g\u00f6rmek biraz da olsa rahatlama imkan\u0131 tan\u0131yor.<\/span><\/span><\/div>\n
\u00a0<\/span><\/span><\/div>\n
\u00a0<\/span><\/div>\n
<\/span><\/span><\/span><\/div>\n
Portf\u00f6y da\u011f\u0131l\u0131m\u0131 konusunda bir de\u011fi\u015fiklik yapmad\u0131m. K\u0131sa vadede de e\u011fer borsa b\u00fcy\u00fck bir ralli yapmazsa hisse senetleri portf\u00f6yde a\u011f\u0131rl\u0131kta olmaya devam edecek. \u00d6nceki yaz\u0131mda da belirtti\u011fim \u00fczere \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 y\u00fcksek olan b\u00fcy\u00fcme \u015firketlerine portf\u00f6yde art\u0131k daha fazla yer veriyorum. Ya\u015f\u0131m gen\u00e7 ve hedefe ula\u015fmak i\u00e7in \u00f6n\u00fcmde 7-8 y\u0131ll\u0131k bir s\u00fcre\u00e7 oldu\u011fu i\u00e7in b\u00fcy\u00fcme hisselerinde daha fazla risk almak mant\u0131kl\u0131. Bu nedenle portf\u00f6y\u00fcn temett\u00fc verimi d\u00fc\u015febilir. Bu y\u0131l sonuna kadar uzat\u0131lan temett\u00fc konusundaki karar ile temett\u00fcs\u00fcn\u00fc veremeyen \u015firketler 2021 y\u0131l\u0131nda ge\u00e7mi\u015f karlar\u0131ndan da\u011f\u0131t\u0131m yaparlarsa iyi bir temett\u00fc rakam\u0131n\u0131 yakalayabilirim. Y\u0131l sonuna do\u011fru bilan\u00e7olar a\u00e7\u0131kland\u0131\u011f\u0131nda bir sonraki y\u0131l\u0131n tahmini temett\u00fc rakamlar\u0131 konusunda bir yaz\u0131 haz\u0131rlayaca\u011f\u0131m. \u0130deal portf\u00f6y a\u011f\u0131rl\u0131klar\u0131nda %65 olan hisse senedi oran\u0131 \u015fu anda hisse senedi yo\u011fun fonlar\u0131 da katarsam %70 civar\u0131nda.<\/div>\n
<\/div>\n
Eurobond al\u0131mlar\u0131na devam ediyorum. CDS’ler 500 civarlar\u0131nda geziniyor. Ge\u00e7mi\u015f d\u00f6nemlere g\u00f6re olduk\u00e7a y\u00fcksek olsa da ABD 10 y\u0131ll\u0131klar\u0131 dipte oldu\u011fu i\u00e7in %7.5’leri ge\u00e7emiyorum maalesef. Neredeyse elimdeki t\u00fcm vadesiz d\u00f6vizi yat\u0131rd\u0131\u011f\u0131m i\u00e7in art\u0131k 2-3 ayda bir yapt\u0131\u011f\u0131m al\u0131mlara geri d\u00f6n\u00fcyorum. \u0130deal portf\u00f6y a\u011f\u0131rl\u0131\u011f\u0131nda %30-35 olan eurobond oran\u0131m \u015fu anda %25 civar\u0131nda.<\/div>\n
\u00a0<\/span><\/span><\/div>\n

Bende durumlar b\u00f6yle. Siz finansal \u00f6zg\u00fcrl\u00fck i\u00e7in neler yap\u0131yorsunuz? \u0130stedi\u011finiz getiriyi elde edebildiniz mi?
\n<\/span><\/p>\n

\u00a0<\/span><\/div>\n
Okudugunuz icin tesekkur ederim.<\/span><\/span><\/div>\n
\u00a0<\/span><\/span><\/span><\/div>\n
Bay Tutumlu <\/span><\/span> <\/span><\/div>\n
\u00a0<\/span><\/span><\/div>\n
\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<\/span><\/span> <\/span><\/div>\n
\u00a0<\/span><\/span><\/span><\/div>\n","protected":false},"excerpt":{"rendered":"

Herkese selamlar, \u0130lk olarak 2019 y\u0131l\u0131 sonunda payla\u015ft\u0131\u011f\u0131m ve 2020 may\u0131sta geli\u015ftirdi\u011fim Finansal \u00d6zg\u00fcrl\u00fck Plan\u0131m‘a 4 ay sonra geri d\u00f6n\u00fcp ne kadar ilerlemi\u015fiz bakmak istiyorum.…<\/p>\n","protected":false},"author":2,"featured_media":396,"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":[3,8,6],"tags":[],"class_list":["post-44","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-erken-emeklilik","category-finansal-ozgurluk","category-fire","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2020\/09\/pexels-photo-12180254.jpeg?fit=975%2C1300&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\/44","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=44"}],"version-history":[{"count":1,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"predecessor-version":[{"id":397,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/44\/revisions\/397"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/396"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}