{"id":746,"date":"2023-12-16T20:35:41","date_gmt":"2023-12-16T17:35:41","guid":{"rendered":"https:\/\/baytutumlu.com\/?p=746"},"modified":"2024-06-27T22:13:43","modified_gmt":"2024-06-27T19:13:43","slug":"2023-yili-degerlendirmesi-ve-2024-hedeflerim","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2023\/12\/16\/2023-yili-degerlendirmesi-ve-2024-hedeflerim\/","title":{"rendered":"2023 Y\u0131l\u0131 De\u011ferlendirmesi ve 2024 Hedeflerim"},"content":{"rendered":"\n

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

Bu y\u0131l be\u015fincisini yazd\u0131\u011f\u0131m klasik bir y\u0131l sonu de\u011ferlendirme yaz\u0131s\u0131yla yine kar\u015f\u0131n\u0131zday\u0131m. 2018 y\u0131l\u0131nda e\u015fimle birlikte ba\u015flad\u0131\u011f\u0131m\u0131z finansal \u00f6zg\u00fcrl\u00fck yolculu\u011funda alt\u0131nc\u0131 y\u0131l\u0131n i\u00e7indeyiz. Bu s\u00fcre\u00e7te hayat\u0131m\u0131zda ola\u011fan\u00fcst\u00fc de\u011fi\u015fiklikler oldu. Herhalde son 5 y\u0131lda olan olaylar\u0131 s\u0131ralamaya kalksak biz neler ya\u015fam\u0131\u015f\u0131z deriz. Yine de bu s\u00fcre\u00e7te sab\u0131rla kaliteli \u015firketlere yat\u0131r\u0131m yapanlar kazand\u0131lar ve kazanmaya devam ediyorlar. <\/p>\n\n\n\n

2023 y\u0131l\u0131n\u0131 se\u00e7im \u00f6ncesi ve sonras\u0131 olmak \u00fczere ikiye ay\u0131rmak gerekiyor. Se\u00e7im \u00f6ncesi belirsizliklerle dolu ve irrasyonel bir ekonomi y\u00f6netimi varken se\u00e7im sonras\u0131nda yeni gelen bakan ve TCMB ba\u015fkan\u0131yla birlikte makul politikalara y\u00f6neldik. Parasal s\u0131k\u0131la\u015fma olaca\u011f\u0131n\u0131n bilinmesine ra\u011fmen piyasa s\u0131rf hesap verilebilirlik ve g\u00fcven artt\u0131\u011f\u0131 i\u00e7in olumlu fiyatlad\u0131. Ard\u0131ndan h\u0131zla artan faizler reel piyasay\u0131 olumsuz etkiledi ve \u015firket karlar\u0131nda sert d\u00fc\u015f\u00fc\u015fler g\u00f6zlemledik.<\/p>\n\n\n\n

Gelinen s\u00fcre\u00e7te 2023 aral\u0131k ay\u0131 itibariyle cds 300 bp alt\u0131nda ve uluslararas\u0131 de\u011ferlendirme kurulu\u015flar\u0131ndan not art\u0131r\u0131mlar\u0131 beklentisine girdik. Bu s\u00fcrecin de aksi bir siyasi hamle olmamas\u0131 durumunda en az\u0131ndan 2025 y\u0131l\u0131na kadar devam etmesini bekliyorum. \u00d6nce faizlerde zirveyi g\u00f6rece\u011fiz, ard\u0131ndan indirimler ba\u015flayacak. Bu s\u00fcre\u00e7te \u00f6nce tahvil piyasas\u0131na ard\u0131ndan da hisse senetlerine do\u011frudan giri\u015fler olmas\u0131 olas\u0131. \u0130yi y\u00f6netilen, bor\u00e7luluk durumu makul ve b\u00fcy\u00fcyen \u015firketler 2024 ve sonras\u0131nda da karl\u0131l\u0131klar\u0131n\u0131 koruyacak, bu da hisse fiyatlar\u0131na yans\u0131yacakt\u0131r.<\/p>\n\n\n\n

Bu k\u0131sa de\u011ferlendirmeden sonra ge\u00e7ti\u011fimiz y\u0131l payla\u015fm\u0131\u015f oldu\u011fum 2023 hedeflerinden<\/a> ne kadar\u0131n\u0131 ger\u00e7ekle\u015ftirmi\u015fiz ona bakal\u0131m ve 2024 hedeflerini belirleyelim. Ge\u00e7mi\u015f y\u0131l hedeflerine a\u015fa\u011f\u0131daki ba\u011flant\u0131lardan ula\u015fabilirsiniz.<\/p>\n\n\n\n

2020 hedeflerim<\/a><\/p>\n\n\n\n

2021 hedeflerim<\/a><\/p>\n\n\n\n

2022 hedeflerim<\/a><\/p>\n\n\n\n

    \n
  1. 350.000 TL ileriye d\u00f6n\u00fck temett\u00fc geliri elde etmeliyim.<\/strong><\/li>\n<\/ol>\n\n\n\n

    Bu hedefi ger\u00e7ekle\u015ftirmeyi bekliyordum fakat beklentimin aksine \u015firketler 2023 y\u0131l\u0131n\u0131n \u00f6zellikle siyasi olarak \u00e7alkant\u0131l\u0131 ge\u00e7ece\u011fini \u00f6ng\u00f6rd\u00fckleri i\u00e7in karlar\u0131n\u0131 b\u00fcnyelerinde tutmay\u0131 tercih ettiler. T\u00fcpra\u015f ve Ford Otosan y\u0131l\u0131n ikinci yar\u0131s\u0131nda tekrar temett\u00fc da\u011f\u0131tsa da bu y\u0131l beklentimin olduk\u00e7a alt\u0131nda kalarak 208.036 TL ileriye d\u00f6n\u00fck temett\u00fc geliri elde ettim. Bunun 197.774 TL’sini BIST hisse senetlerinden, 10.262 TL’sini ise ABD hisse senedi ve etf’lerden elde ettim.<\/p>\n\n\n\n

    2. 6000 $ ileriye d\u00f6n\u00fck eurobond kupon geliri elde etmeliyim.<\/strong><\/p>\n\n\n\n

    Bu hedefimi ger\u00e7ekle\u015ftirmeyi ba\u015fard\u0131m. \u00d6zellikle cds’in y\u00fcksek oldu\u011fu d\u00f6nemlerde y\u00fckl\u00fc al\u0131mlar yapt\u0131m ve g\u00fcncel ileriye d\u00f6n\u00fck kupon gelirim 6520.75 $ olarak ger\u00e7ekle\u015fti. G\u00fcncel kurla 189.101 TL yap\u0131yor.<\/p>\n\n\n\n

    3. Toplamda 460.000 TL pasif gelire ula\u015fmal\u0131y\u0131m.<\/strong><\/p>\n\n\n\n

    Temett\u00fc gelirleri beklenti alt\u0131nda kald\u0131\u011f\u0131 i\u00e7in bu hedefe ula\u015famad\u0131m. Toplam pasif gelirim 397.134 TL olarak ger\u00e7ekle\u015fti.<\/p>\n\n\n\n

    4. 15 adet kitap okumal\u0131y\u0131m.<\/strong><\/p>\n\n\n\n

    Bu hedefime de k\u0131lpay\u0131 da olsa ula\u015fmay\u0131 ba\u015fard\u0131m. William Green’in kitab\u0131 hen\u00fcz bitmedi fakat y\u0131l sonuna kadar bitirmeyi hedefliyorum.<\/p>\n\n\n\n

    Bu y\u0131l okudu\u011fum kitaplar,<\/p>\n\n\n\n

    Die with Zero-Bill Perkins
    Serenad-Z\u00fclf\u00fc Livaneli
    \u00dcz\u00fcnt\u00fcy\u00fc b\u0131rak ya\u015famaya bak-Dale Carnegie
    Martin eden-jack London
    Kan\u0131n\u0131 Satan Adam-Yu Hua
    Paran\u0131n Psikolojisi-Morgan Housel
    \u0130stanbul Hat\u0131ras\u0131-Ahmet \u00dcmit
    Elias Canetti-K\u00f6rle\u015fme
    Harvey Karp-Mahallenin en Mutlu Yumurca\u011f\u0131
    B\u00fcy\u00fck defter kan\u0131t \u00fc\u00e7\u00fcnc\u00fc yalan\u00a0
    Ba\u011f\u0131rmayan Anne Baba Olmak-Hal Edward Runkel
    Sa\u011fduyulu Yat\u0131r\u0131m Rehberi-John Bogle
    Same As Ever-Morgan Housel
    Richer Wiser Happier-William Green
    Karar An\u0131-Richard Peterson<\/p>\n\n\n\n

    5. Ailecek 1 adet yurt d\u0131\u015f\u0131 gezi ve 1 adet uzun s\u00fcreli yurt i\u00e7i gezi(karavan olabilir) yapmal\u0131y\u0131z.<\/strong><\/p>\n\n\n\n

    Bu hedefimizi maa\u015fl\u0131 \u00e7al\u0131\u015fmay\u0131 b\u0131rakmam\u0131n da etkisiyle rahat\u00e7a ger\u00e7ekle\u015ftirmeyi ba\u015fard\u0131k. Y\u0131l i\u00e7erisinde 3 tane Avrupa seyahati yapt\u0131k. Ayr\u0131ca eyl\u00fcl ay\u0131nda karavan\u0131m\u0131z teslim edildi ve k\u0131sa da olsa bir sonbahar turu yapmay\u0131 ba\u015fard\u0131k. Havalar biraz daha \u0131s\u0131nd\u0131\u011f\u0131nda karavan turlar\u0131na devam edece\u011fiz. <\/p>\n\n\n\n

    6. %120 finansal \u00f6zg\u00fcrl\u00fck seviyesine ula\u015fmal\u0131y\u0131z.\u00a0<\/strong><\/p>\n\n\n\n

    Y\u0131l i\u00e7erisinde bu rakam\u0131 a\u015fm\u0131\u015f olsak da sonbaharda s\u0131k\u0131la\u015fma ve faiz art\u0131\u015flar\u0131n\u0131n etkisiyle piyasalarda bir geri \u00e7ekilme g\u00f6rd\u00fck. Kas\u0131m 2023 sonu portf\u00f6y durumuna g\u00f6re finansal \u00f6zg\u00fcrl\u00fck oran\u0131m\u0131z %114.72 seviyesinde. <\/p>\n\n\n\n

    7. 75 kg alt\u0131nda kalmal\u0131y\u0131m ve spora devam etmeliyim. <\/strong><\/p>\n\n\n\n

    Bu hedefte k\u0131smen ba\u015far\u0131l\u0131 oldum fakat \u015funu farkettim ki ya\u015f ilerledik\u00e7e kilo kontrol\u00fc zorla\u015f\u0131yor. Haftada 3 g\u00fcn d\u00fczenli olarak spor yapsam da \u015fu anda 78.5 kiloyum ve 75 alt\u0131na inmekte zorlan\u0131yorum. Beslenmeye daha fazla dikkat etmem gerekiyor.<\/p>\n\n\n\n

    2023 hedeflerim b\u00f6yle idi. 7 hedeften sadece 3 tanesini tam ba\u015fard\u0131m, 1 tanesinde ise k\u0131smi ba\u015far\u0131 sa\u011flad\u0131m. Bu, ilk bak\u0131\u015fta k\u00f6t\u00fc g\u00f6r\u00fcnebilir fakat \u00f6zellikle temett\u00fc konusunda \u015firketlerim b\u00fcnyelerinde tuttuklar\u0131 karlar\u0131 y\u00fcksek \u00f6zkaynak karl\u0131l\u0131\u011f\u0131 ile de\u011ferlendirdiler ve 2024 y\u0131l\u0131nda da\u011f\u0131t\u0131labilecekleri daha fazla kaynaklar\u0131 var. Da\u011f\u0131t\u0131lmam\u0131\u015f karlar hakk\u0131nda Warren Buffett’\u0131n \u015fu s\u00f6zlerini \u00e7ok \u00f6nemsiyorum.<\/p>\n\n\n\n

    “Zamanla ve toplu olarak, da\u011f\u0131t\u0131lmayan k\u00e2rlar\u0131n piyasa fiyat\u0131na yans\u0131mas\u0131n\u0131, \u015firketin de\u011ferini artt\u0131rmas\u0131n\u0131 ve ayn\u0131 bizim \u015firketlerimizde kontrol\u00fcm\u00fczde oldu\u011fu ve raporlad\u0131\u011f\u0131m\u0131z gibi de\u011fer yaratmas\u0131n\u0131 bekliyoruz. Bu devasa m\u00fczayede alan\u0131nda (hisse senedi piyasas\u0131<\/em>), bizim g\u00f6revimiz; 1 dolarl\u0131k da\u011f\u0131t\u0131lmam\u0131\u015f k\u00e2r\u0131n\u0131 en az 1 dolarl\u0131k piyasa de\u011ferine d\u00f6n\u00fc\u015ft\u00fcren \u015firketleri bulmakt\u0131r.<\/strong>“<\/p>\n\n\n\n

    \u015eimdi gelelim 2024 y\u0131l\u0131 hedeflerimize;<\/strong><\/p>\n\n\n\n

      \n
    1. 450.000 TL net temett\u00fc geliri elde etmeliyim. Bu y\u0131l enflasyonist bir y\u0131l oldu ve \u015firketler de buna uygun olarak karlar\u0131n\u0131 ciddi manada art\u0131rd\u0131lar. Bu durumun 2023 temett\u00fclerine yans\u0131yaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum. Bu hedefimi ger\u00e7ekle\u015ftirebilirsem y\u0131ldan y\u0131la temett\u00fc b\u00fcy\u00fcmesi %116 olacak.<\/li>\n\n\n\n
    2. 6500 $ eurobond kupon geliri elde etmeliyim. 2024 y\u0131l\u0131nda hem vergi dilimine yakla\u015fmam\u0131z, hem de riski da\u011f\u0131tmak maksad\u0131yla eurobond al\u0131m\u0131 yapmay\u0131 d\u00fc\u015f\u00fcnm\u00fcyorum. E\u011fer fiyatlar daha da y\u00fckselirse eurobondlardan baz\u0131lar\u0131n\u0131 satmay\u0131 d\u00fc\u015f\u00fcnebilirim. <\/li>\n\n\n\n
    3. Toplamda 685.000 TL pasif gelire ula\u015fmal\u0131y\u0131m.<\/li>\n\n\n\n
    4. 15 adet kitap okumal\u0131y\u0131m.<\/li>\n\n\n\n
    5. Ailecek en az 2 adet yurtd\u0131\u015f\u0131 ve 1 adet yurti\u00e7i karavan gezisi yapmal\u0131y\u0131z. Bunu yaparken daha \u00f6nce g\u00f6rmedi\u011fimiz en az 2 yeni \u00fclke g\u00f6rmeliyiz.<\/li>\n\n\n\n
    6. %130 finansal \u00f6zg\u00fcrl\u00fck seviyesine ula\u015fmal\u0131y\u0131z. Bu rakama g\u00f6re 2024 portf\u00f6y b\u00fcy\u00fcme beklentim $ baz\u0131nda %13.3 oluyor. Ula\u015f\u0131labilecek m\u00fctevazi bir hedef oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum. Umar\u0131m bu hedefime de daha fazlas\u0131na ula\u015faca\u011f\u0131m\u0131z bereketli bir y\u0131l olur:)<\/li>\n\n\n\n
    7. 2024 y\u0131l\u0131 boyunca ortalama uyku kalitemi 80 puan ve \u00fczerinde tutmal\u0131y\u0131m. Uyku kalitemi uzun s\u00fcredir ak\u0131ll\u0131 saat kullanarak \u00f6l\u00e7\u00fcyorum ve ortalamam 75-80 aral\u0131\u011f\u0131nda idi. Bunun hakk\u0131nda bir tweet<\/a> payla\u015fm\u0131\u015ft\u0131m.<\/li>\n<\/ol>\n\n\n\n

      Benim 2024 hedeflerim b\u00f6yle. Sizde durumlar nas\u0131l? 2023 hedeflerinize ula\u015fabildiniz mi?<\/p>\n\n\n\n

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

      Bay Tutumlu<\/p>\n","protected":false},"excerpt":{"rendered":"

      Herkese selamlar. Bu y\u0131l be\u015fincisini yazd\u0131\u011f\u0131m klasik bir y\u0131l sonu de\u011ferlendirme yaz\u0131s\u0131yla yine kar\u015f\u0131n\u0131zday\u0131m. 2018 y\u0131l\u0131nda e\u015fimle birlikte ba\u015flad\u0131\u011f\u0131m\u0131z finansal \u00f6zg\u00fcrl\u00fck yolculu\u011funda alt\u0131nc\u0131 y\u0131l\u0131n i\u00e7indeyiz.…<\/p>\n","protected":false},"author":2,"featured_media":260,"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":[21],"tags":[22,28,24,25,26,23],"class_list":["post-746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hedeflerim","tag-borsa","tag-eurobond","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\/2020\/12\/pexels-polina-zimmerman-3782235.jpeg?fit=2048%2C1365&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\/746","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=746"}],"version-history":[{"count":1,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/746\/revisions"}],"predecessor-version":[{"id":747,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/746\/revisions\/747"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/260"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}