ING T\u00fcrkiye, s\u00fcrd\u00fcr\u00fclebilirlik stratejisi kapsam\u0131nda finansal sa\u011fl\u0131\u011fa katk\u0131da bulunmak amac\u0131yla 2011 y\u0131l\u0131ndan bu yana ger\u00e7ekle\u015ftirdi\u011fi T\u00fcrkiye\u2019nin Tasarruf E\u011filimleri Ara\u015ft\u0131rmas\u0131\u2019n\u0131n 2025 y\u0131l\u0131 d\u00f6rd\u00fcnc\u00fc \u00e7eyrek sonu\u00e7lar\u0131n\u0131 yay\u0131nlad\u0131. NielsenIQ i\u015f birli\u011fiyle ger\u00e7ekle\u015ftirilen ara\u015ft\u0131rmaya g\u00f6re, tasarruf sahipli\u011fi y\u00fczde 54 oran\u0131 ile istikrar\u0131n\u0131 korudu. \u00a0\u00d6nceki d\u00f6nemlerden farkl\u0131 olarak erkeklerde tasarruf oran\u0131 y\u00fczde 55 ile kad\u0131nlara g\u00f6re 3 puan daha y\u00fcksek. \u00a0Tasarrufu olmayan y\u00fczde 46\u2019l\u0131k kesim i\u00e7inde, yak\u0131n zamanda tasarruf etmeyi planlayanlar\u0131n oran\u0131 y\u00fczde 21 olarak \u00f6l\u00e7\u00fcld\u00fc. Bu oran kad\u0131nlarda y\u00fczde 24 olurken, erkeklerde y\u00fczde 18 seviyesinde kald\u0131.<\/p>\n
Tasarruf sahipleri i\u00e7inde d\u00fczenli tasarruf yapanlar\u0131n oran\u0131 y\u00fczde 84 oldu.<\/strong><\/p>\n Ara\u015ft\u0131rmaya g\u00f6re tasarruf sahipleri i\u00e7inde d\u00fczenli tasarruf yapanlar\u0131n oran\u0131, \u00f6nceki \u00e7eyre\u011fe g\u00f6re 2 puan artarak y\u00fczde 84\u2019e y\u00fckseldi. D\u00fczenli tasarruf yapanlar\u0131n y\u00fczde 27\u2019si gelirlerinin y\u00fczde 10\u2019undan az\u0131n\u0131 tasarrufa ay\u0131rabildi\u011fini belirtirken, y\u00fczde 43\u2019\u00fc gelirlerinin y\u00fczde 10 ile y\u00fczde 20\u2019si kadar\u0131n\u0131 tasarruf i\u00e7in kullanabildi\u011fini aktard\u0131. Tasarruf motivasyonlar\u0131nda gelece\u011fe yat\u0131r\u0131m y\u00fczde 34 ile ilk s\u0131radaki yerini korurken, beklenmedik risklere kar\u015f\u0131 g\u00fcvence ihtiyac\u0131 y\u00fczde 23 ile ikinci s\u0131rada yer ald\u0131. 35-44 ya\u015f grubunda, beklenmedik durumlara kar\u015f\u0131 tasarruf yapma motivasyonu \u00f6nceki \u00e7eyre\u011fe g\u00f6re 7 puan art\u0131\u015f g\u00f6sterdi.<\/p>\n Tasarruf ara\u00e7lar\u0131nda yast\u0131k alt\u0131 tercihler ilk s\u0131ralarda yer al\u0131yor.<\/strong><\/p>\n Ara\u015ft\u0131rma sonu\u00e7lar\u0131, bireylerin ortalama 2,1 ara\u00e7 \u00fczerinden tasarruf yapt\u0131\u011f\u0131n\u0131 g\u00f6sterdi. Tasarruf ara\u00e7lar\u0131 tercihlerinde yast\u0131k alt\u0131 alt\u0131n y\u00fczde 43 ile ilk s\u0131radaki yerini korurken, yast\u0131k alt\u0131 nakit ge\u00e7en \u00e7eyre\u011fe g\u00f6re artarak y\u00fczde 32 ile ikinci s\u0131rada yer ald\u0131. \u00a0Alt\u0131n veya di\u011fer de\u011ferli metal hesab\u0131 tercihi y\u00fczde 21 ile \u00fc\u00e7\u00fcnc\u00fc s\u0131rada yer al\u0131rken, onu y\u00fczde 18 oran\u0131 ile TL vadeli hesap takip etti. Hisse senedi ve borsa y\u00fczde 16 oran\u0131yla tercih edilirken, bireysel emeklilik fonlar\u0131 ise \u00f6nceki \u00e7eyre\u011fe g\u00f6re 4 puanl\u0131k art\u0131\u015fla y\u00fczde 15 seviyesine y\u00fckseldi. TL vadesiz hesaplar\u0131n tercih oran\u0131 y\u00fczde 9 olurken, d\u00f6viz vadeli hesaplar y\u00fczde 8 oran\u0131nda tercih edildi. \u00a0Fonlar\u0131n pay\u0131 ise y\u00fczde 4 olarak \u00f6l\u00e7\u00fcld\u00fc. Kad\u0131nlar\u0131n yast\u0131k alt\u0131 ve alt\u0131n hesab\u0131 ara\u00e7lar\u0131n\u0131 erkeklere g\u00f6re daha fazla tercih etti\u011fi g\u00f6r\u00fcl\u00fcrken, erkeklerde ise hisse senedi\/ borsa ve kripto para birimleri tercihi daha y\u00fcksek.<\/p>\n Yakla\u015f\u0131k her 5 ki\u015fiden 1\u2019i paras\u0131n\u0131 daha fazla kazan\u00e7 sa\u011flayacak yat\u0131r\u0131m \u00fcr\u00fcnlerinde de\u011ferlendiriyor.<\/strong><\/p>\n Tasarruflara y\u00f6nelik getiri beklentilerinin orta ve uzun vadeye yay\u0131ld\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcrken; k\u0131sa vadeli getiri beklentisi \u00f6nemli \u00f6l\u00e7\u00fcde d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. Tasarruflar\u0131nda orta vadede getiri bekleyenlerin oran\u0131 y\u00fczde 43, uzun vadede getiri bekleyenlerin oran\u0131 ise y\u00fczde 40 olarak \u00f6l\u00e7\u00fcld\u00fc. Finansal durumun sa\u011fl\u0131\u011f\u0131n\u0131 korumak i\u00e7in yap\u0131lan ba\u015fl\u0131ca \u015fey, ge\u00e7en d\u00f6neme g\u00f6re 5 puanl\u0131k art\u0131\u015fla y\u00fczde 65 ile harcamalar\u0131 kontrol etmek oldu. Finansal sa\u011fl\u0131\u011f\u0131n\u0131 korumak i\u00e7in paras\u0131n\u0131 daha fazla kazan\u00e7 sa\u011flayacak yat\u0131r\u0131m \u00fcr\u00fcnlerinde de\u011ferlendirenlerin oran\u0131 5 puan art\u0131\u015fla y\u00fczde 19\u2019a y\u00fckseldi, paras\u0131n\u0131 birden fazla yat\u0131r\u0131m arac\u0131nda de\u011ferlendirenlerin oran\u0131 ise y\u00fczde 15 olarak ger\u00e7ekle\u015fti. Yat\u0131r\u0131m \u00fcr\u00fcnleri hakk\u0131nda bilgi sahibi oldu\u011funu s\u00f6yleyenlerin oran\u0131 genel kat\u0131l\u0131mc\u0131 kitlesinde y\u00fczde 39 seviyesinde iken, erkeklerde bu oran y\u00fczde 45 ile kad\u0131nlara k\u0131yasla 12 puan daha y\u00fcksek ger\u00e7ekle\u015fti. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 95\u2019i bankac\u0131l\u0131k hizmetlerinden yararlan\u0131rken, son bir ay i\u00e7inde internet ya da mobil bankac\u0131l\u0131k hizmeti kullananlar\u0131n oran\u0131 y\u00fczde 90 oldu.<\/p>\n Tu\u011f\u00e7e Bora K\u0131l\u0131\u00e7: Tasarruf ve yat\u0131r\u0131m \u00fcr\u00fcnlerindeki \u00e7e\u015fitlenmeyi destekleyen yakla\u015f\u0131m\u0131m\u0131z\u0131 s\u00fcrd\u00fcrece\u011fiz.<\/strong><\/p>\n Ara\u015ft\u0131rma sonu\u00e7lar\u0131n\u0131 de\u011ferlendiren\u00a0ING T\u00fcrkiye Bireysel Bankac\u0131l\u0131k Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Tu\u011f\u00e7e Bora K\u0131l\u0131\u00e7<\/strong>, \u015funlar\u0131 s\u00f6yledi: \u201cAra\u015ft\u0131rmam\u0131z, tasarruf sahipli\u011fi oran\u0131n\u0131n istikrarl\u0131 bi\u00e7imde korundu\u011funu ortaya koyarken, ki\u015fi ba\u015f\u0131na d\u00fc\u015fen ortalama tasarruf arac\u0131 say\u0131s\u0131n\u0131n 2,1\u2019e y\u00fckseldi\u011fini g\u00f6steriyor. Bununla birlikte bireylerin birikimlerini daha y\u00fcksek getiri potansiyeli sunan yat\u0131r\u0131m ara\u00e7lar\u0131nda de\u011ferlendirme e\u011filiminin g\u00fc\u00e7lendi\u011fini g\u00f6r\u00fcyoruz. Veriler, ge\u00e7mi\u015f d\u00f6nemlere k\u0131yasla daha \u00e7e\u015fitli ara\u00e7lara y\u00f6nelim oldu\u011funu ve birikimlerin daha etkin \u015fekilde y\u00f6netilmeye \u00e7al\u0131\u015f\u0131ld\u0131\u011f\u0131n\u0131 ortaya koyuyor. Bu y\u00f6nelim, tasarruf ve yat\u0131r\u0131m \u00fcr\u00fcnlerinde esneklik ile \u00e7e\u015fitlilik ihtiyac\u0131n\u0131 da art\u0131r\u0131yor. ING T\u00fcrkiye olarak bu ihtiyac\u0131 stratejik bir \u00f6ncelik olarak ele al\u0131yor; birikimlerin farkl\u0131 ihtiya\u00e7lara g\u00f6re esnek bi\u00e7imde de\u011ferlendirilebilmesine imk\u00e2n tan\u0131yan \u00e7\u00f6z\u00fcmler sunuyoruz. Bu yakla\u015f\u0131m\u0131m\u0131z\u0131n \u00f6nemli bir par\u00e7as\u0131 olan g\u00fcnl\u00fck faiz kazanc\u0131 sunan Turuncu Hesap ile m\u00fc\u015fterilerimize esneklik sa\u011flarken; ING Mobil \u00fczerinden yat\u0131r\u0131mlar\u0131n\u0131 zahmetsizce takip edebilmelerine, farkl\u0131 yat\u0131r\u0131m fonlar\u0131n\u0131 an\u0131nda kar\u015f\u0131la\u015ft\u0131rabilmelerine ve takip listeleri olu\u015fturarak yat\u0131r\u0131m \u00fcr\u00fcnlerini yak\u0131ndan izlemelerine olanak tan\u0131yoruz. Tasarruf ve yat\u0131r\u0131m \u00fcr\u00fcnlerindeki \u00e7e\u015fitlenmeyi destekleyen yakla\u015f\u0131m\u0131m\u0131z\u0131 s\u00fcrd\u00fcrece\u011fiz.\u201d\u00a0<\/p>\n \u00a0<\/p>\n \u00a0<\/p>\n Kaynak: (BYZHA) Beyaz Haber Ajans\u0131<\/p>\n","protected":false},"excerpt":{"rendered":" ING T\u00fcrkiye, s\u00fcrd\u00fcr\u00fclebilirlik stratejisi kapsam\u0131nda finansal sa\u011fl\u0131\u011fa katk\u0131da bulunmak amac\u0131yla 2011 y\u0131l\u0131ndan bu yana ger\u00e7ekle\u015ftirdi\u011fi T\u00fcrkiye\u2019nin Tasarruf E\u011filimleri Ara\u015ft\u0131rmas\u0131\u2019n\u0131n 2025 y\u0131l\u0131 d\u00f6rd\u00fcnc\u00fc \u00e7eyrek sonu\u00e7lar\u0131n\u0131 yay\u0131nlad\u0131.<\/p>\n","protected":false},"author":1,"featured_media":46210,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[581,407,1069,1886,216],"class_list":["post-46209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-arac","tag-orta","tag-tasarruf","tag-tercih","tag-yatirim"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/comments?post=46209"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46209\/revisions"}],"predecessor-version":[{"id":46211,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46209\/revisions\/46211"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/46210"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=46209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=46209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=46209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}