{"id":486,"date":"2022-10-01T10:59:49","date_gmt":"2022-10-01T07:59:49","guid":{"rendered":"https:\/\/baytutumlu.com\/?p=486"},"modified":"2024-06-27T22:18:20","modified_gmt":"2024-06-27T19:18:20","slug":"eylul-2022-sonu-portfoy-durumu","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2022\/10\/01\/eylul-2022-sonu-portfoy-durumu\/","title":{"rendered":"Eyl\u00fcl 2022 Sonu Portf\u00f6y Durumu"},"content":{"rendered":"\n

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

Bir ay\u0131n daha sonuna geldik. Ciddi manada finansal \u00f6zg\u00fcrl\u00fck i\u00e7in tasarruf ve yat\u0131r\u0131ma ba\u015flayal\u0131 tam 51 ay olmu\u015f. Hayat\u0131mda ilk defa bir ama\u00e7 i\u00e7in bu kadar uzun s\u00fcreli haz\u0131rl\u0131k ve \u00e7al\u0131\u015fma i\u00e7erisindeyim. 20’li ya\u015flar\u0131mda da tasarruf ve birikim k\u00fclt\u00fcr\u00fc i\u00e7erisinde olsam da param\u0131 nas\u0131l \u00e7o\u011faltaca\u011f\u0131m\u0131 ya da nas\u0131l reel getiri elde edece\u011fimi bilmiyordum. Robert Kiyosaki’nin nakit ak\u0131\u015f\u0131 \u00f6l\u00e7\u00fcm \u00e7eyre\u011fi kitab\u0131nda bahsetti\u011fi \u00e7al\u0131\u015fan(employee) k\u0131sm\u0131ndayd\u0131m yani. Yat\u0131r\u0131mc\u0131(investor) k\u0131sm\u0131na nas\u0131l ge\u00e7ece\u011fimi ya da nelerin aktif nelerin pasif varl\u0131k oldu\u011fundan habersizdim. 20’li ya\u015flar\u0131n\u0131n ba\u015f\u0131nda bulunan ve bu bilince eri\u015fmi\u015f gen\u00e7 arkada\u015flar\u0131n ne kadar \u015fansl\u0131 olduklar\u0131n\u0131 tahmin edemezsiniz. E\u011fer bu ki\u015filer i\u015f becerilerini ve dolay\u0131s\u0131yla gelirlerini reel anlamda art\u0131rabilirler ve bu gelirlerinden en az %50 oran\u0131nda tasarruf edip yat\u0131r\u0131ma d\u00f6n\u00fc\u015ft\u00fcrebilirlerse 30’lu ya\u015flar\u0131n\u0131n finansal \u00f6zg\u00fcr olmamalar\u0131 i\u00e7in hi\u00e7 bir neden yok.<\/p>\n\n\n\n

Eyl\u00fcl ay\u0131 piyasalar a\u00e7\u0131s\u0131ndan yine hareketli ge\u00e7ti. FED klasik \u015fekilde faiz art\u0131\u015flar\u0131na devam ediyor. Bu ay da beklendi\u011fi gibi 75 bp art\u0131\u015f yaparak faiz oranlar\u0131n\u0131 %3.25 seviyelerine ta\u015f\u0131d\u0131. Faiz art\u0131\u015flar\u0131na paralel olarak ABD piyasalar\u0131nda d\u00fc\u015f\u00fc\u015fler g\u00f6rd\u00fck. En garantili yat\u0131r\u0131m arac\u0131 olarak g\u00f6r\u00fclen ABD uzun vadeli tahvillerine talep artt\u0131\u011f\u0131 i\u00e7in riskli varl\u0131klardan ka\u00e7\u0131\u015flar g\u00f6rmeye devam edece\u011fiz gibi duruyor. Ayr\u0131ca gayrimenkul piyasas\u0131nda gecikmeli de olsa d\u00fc\u015f\u00fc\u015fler g\u00f6rmeye ba\u015flad\u0131k. 30 y\u0131ll\u0131k mortgage faizleri %7’ler seviyesine \u00e7\u0131kt\u0131, dolay\u0131s\u0131yla insanlar\u0131n ev alma i\u015ftahlar\u0131nda d\u00fc\u015f\u00fc\u015f g\u00f6zlemliyoruz.<\/p>\n\n\n\n

Ukrayna-Rus sava\u015f\u0131 da etkinli\u011fini s\u00fcrd\u00fcr\u00fcyor. Rusya’n\u0131n do\u011falgaz kozunu oynamas\u0131yla Avrupa yeni gaz anla\u015fmalar\u0131 yaparak k\u0131\u015f i\u00e7in haz\u0131rl\u0131k yapmaya \u00e7al\u0131\u015f\u0131yor. Rusya ge\u00e7ti\u011fimiz g\u00fcnlerde tek tarafl\u0131 olarak Ukrayna!ya ba\u011fl\u0131 4 \u015fehri ilhak etti\u011fini duyurdu. Bu karar hi\u00e7bir Avrupa \u00fclkesi taraf\u0131ndan tan\u0131nmasa da fiili olarak bu b\u00f6lgelerin Rusya kontrol\u00fcne girdi\u011fi a\u015fikar. \u00d6te yandan yerel piyasalara bakt\u0131\u011f\u0131m\u0131zda ise yine faiz indirimi yap\u0131lan bir ay\u0131 geride b\u0131rakt\u0131k. Art\u0131k enflasyon ve politika faizinin bir ba\u011flant\u0131s\u0131 kalmad\u0131\u011f\u0131 i\u00e7in bu konuda yorum yapm\u0131yorum. Eyl\u00fcl ay\u0131nda y\u0131ll\u0131k enflasyon %80 civar\u0131na geldi. K\u0131\u015f aylar\u0131nda baz etkisiyle d\u00fc\u015fmesi beklense de k\u0131sa vadede %50 seviyelerinin alt\u0131na gelmesini beklemiyorum. 2023 y\u0131l\u0131nda se\u00e7im s\u00fcrecine girmemizle birlikte iktidar\u0131n de\u011fi\u015fip de\u011fi\u015fmeyece\u011fine ba\u011fl\u0131 olarak politika faizi, borsa ve enflasyon \u00fc\u00e7geninde hareketli aylar ya\u015fayaca\u011f\u0131m\u0131z\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n\n\n\n

Ki\u015fisel portf\u00f6y\u00fcme gelecek olursak, bu ay hisse senedi portf\u00f6y\u00fcm %8.35 de\u011fer kazand\u0131. BIST100’\u00fcn %0.25 artt\u0131\u011f\u0131n\u0131 g\u00f6z \u00f6n\u00fcne al\u0131rsak g\u00fczel bir y\u00fckseli\u015f oldu\u011funu s\u00f6yleyebilirim. Y\u00fckseli\u015fi s\u0131rtlayan, de\u011fer kazanc\u0131yla portf\u00f6yde %24’l\u00fck bir paya ula\u015fan HEKTS oldu. Ayr\u0131ca KMPUR, OTKAR ve ALKIM hisselerim de de\u011fer kazanan di\u011fer hisseler oldu. Bu ay portf\u00f6ye sadece 15 adet TUPRS eklemesi yapabildim. G\u00fcncel hisse senedi portf\u00f6y\u00fcm bu \u015fekildedir.<\/p>\n\n\n

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Eurobond taraf\u0131n\u0131 bu ay olduk\u00e7a hareketli ge\u00e7irdim. Toplamda 8000 usd nominallik al\u0131m yapt\u0131m. Bu al\u0131mlar\u0131 2 adet olan bireysel emeklilik hesaplar\u0131mdan bir tanesini bozarak ger\u00e7ekle\u015ftirdim. Bundan sonra tek bes ile devam edece\u011fim. Al\u0131m yapt\u0131\u011f\u0131m eurobondlar s\u0131ras\u0131yla US900123BJ84, US900123AY60 ve USM88269US88 oldu. B\u00f6ylece toplam eurobond portf\u00f6y\u00fcn\u00fc 52.000 usd, y\u0131ll\u0131k kupon gelirimi ise 3747.25 usd seviyesine ta\u015f\u0131m\u0131\u015f oldum. Ayl\u0131k bazda ortalama 312 usd yani g\u00fcncel kurla asgari \u00fccretin \u00fczerinde kupon geliri elde ediyorum.<\/p>\n\n\n

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G\u00fcncel pasif gelir ve portf\u00f6y durumu bu \u015fekildedir. Bu ay toplam portf\u00f6y\u00fcm tl baz\u0131nda %7.81, usd baz\u0131nda ise %5.95 b\u00fcy\u00fcyerek 4.035 mn tl seviyesine ula\u015ft\u0131. Ay i\u00e7erisinde de twitterdan payla\u015ft\u0131\u011f\u0131m \u00fczere son milyona sadece 5 ayda ula\u015fm\u0131\u015f olduk. Bu, ba\u015flang\u0131\u00e7ta hayal bile edemeyece\u011fim bir b\u00fcy\u00fckl\u00fckt\u00fc fakat 4.5 y\u0131l\u0131n ard\u0131ndan ger\u00e7ek oldu. Ayr\u0131ca portf\u00f6y\u00fcm usd baz\u0131nda da rekor tazeledi ve 217.895 usd’ye ula\u015ft\u0131. Usd baz\u0131nda finansal \u00f6zg\u00fcrl\u00fck oran\u0131m %58.11 olurken yoksulluk s\u0131n\u0131r\u0131 baz\u0131nda ise %57 olarak ger\u00e7ekle\u015fti. %100’e ula\u015fana kadar tasarruf ve yat\u0131r\u0131ma devam..<\/p>\n\n\n\n

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

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

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\"\"<\/figure><\/div>","protected":false},"excerpt":{"rendered":"

Herkese selamlar. Bir ay\u0131n daha sonuna geldik. Ciddi manada finansal \u00f6zg\u00fcrl\u00fck i\u00e7in tasarruf ve yat\u0131r\u0131ma ba\u015flayal\u0131 tam 51 ay olmu\u015f. Hayat\u0131mda ilk defa bir ama\u00e7…<\/p>\n","protected":false},"author":2,"featured_media":496,"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":"Eyl\u00fcl 2022 sonu portf\u00f6y durumu. Bu ay toplam portf\u00f6y\u00fcm tl baz\u0131nda %7.81, usd baz\u0131nda ise %5.95 b\u00fcy\u00fcyerek 4.035 mn tl'ye ula\u015ft\u0131. Usd baz\u0131nda F\u00d6 oran\u0131m %58.11 olurken yoksulluk s\u0131n\u0131r\u0131 baz\u0131nda ise %57 olarak ger\u00e7ekle\u015fti. Tasarruf ve yat\u0131r\u0131ma devam..","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[3,7,8,6,4,34,15],"tags":[22,24,25,26,23],"class_list":["post-486","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-erken-emeklilik","category-eurobond","category-finansal-ozgurluk","category-fire","category-hisse-senedi","category-portfoy","category-yatirim","tag-borsa","tag-finansal-ozgurluk","tag-fire","tag-hisse-senedi","tag-yatirim","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2022\/10\/pexels-photo-7925859.jpeg?fit=1880%2C1253&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\/486","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=486"}],"version-history":[{"count":1,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/486\/revisions"}],"predecessor-version":[{"id":497,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/486\/revisions\/497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/496"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=486"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=486"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=486"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}