{"id":39523,"date":"2020-12-06T16:02:00","date_gmt":"2020-12-06T16:02:00","guid":{"rendered":"https:\/\/cryptonews.com\/tr\/?p=39523"},"modified":"2023-06-26T11:13:17","modified_gmt":"2023-06-26T11:13:17","slug":"zengin-nasil-daha-zengin-olur","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/tr\/exclusives\/zengin-nasil-daha-zengin-olur\/","title":{"rendered":"Zengin Nas\u0131l Daha Zengin Olur?"},"content":{"rendered":"

Davide Malacrino, Uluslararas\u0131 Para Fonu<\/strong>‘nun (IMF) Ara\u015ft\u0131rma Departman\u0131nda ekonomisttir.
______<\/p>

\"\"<\/figure>

Kaynak: Adobe\/Hyejin Kang<\/p>

Zenginlik, zenginli\u011fi do\u011furur. Bu basit ayr\u0131cal\u0131k kavram\u0131, COVID-19 pandemisinin g\u00f6lgesi alt\u0131nda artan e\u015fitsizlikle birlikte artan ho\u015fnutsuzlu\u011fa katk\u0131da bulundu.<\/p>

IMF ve di\u011fer kurumlardan ekonomistler taraf\u0131ndan bu y\u0131l ortak yaz\u0131lan bir makale<\/a>, varl\u0131kl\u0131 insanlar\u0131n yat\u0131r\u0131mlar\u0131ndan daha y\u00fcksek getiri elde etme olas\u0131l\u0131klar\u0131n\u0131n daha y\u00fcksek oldu\u011funu do\u011fruluyor. Ayn\u0131 zamanda, varl\u0131kl\u0131 insanlar\u0131n \u00e7ocuklar\u0131n\u0131n bu serveti miras alma olas\u0131l\u0131\u011f\u0131na ra\u011fmen, yat\u0131r\u0131mlardan ille de ayn\u0131 y\u00fcksek getiriyi elde etmeyeceklerini g\u00f6steriyor.<\/p>

Zenginlikle ilgili ayr\u0131nt\u0131l\u0131 veriler olduk\u00e7a nadirdir, ancak Norve\u00e7’ten al\u0131nan 12 y\u0131ll\u0131k vergi kay\u0131tlar\u0131 (2004-2015), bireyler ve onlar\u0131n \u00e7ocuklar\u0131 i\u00e7in servet birikimine yeni bir pencere a\u00e7m\u0131\u015ft\u0131r. \u0130skandinav \u00fclkesinde, kendi kendini raporlamadan kaynaklanan hatalar\u0131 azaltmak i\u00e7in varl\u0131klar\u0131n i\u015fverenler, bankalar ve di\u011fer \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slar taraf\u0131ndan rapor edilmesini gerektiren bir varl\u0131k vergisi vard\u0131r. Belli ko\u015fullar alt\u0131nda kamuoyuna duyurulan veriler, ayn\u0131 zamanda ebeveynleri \u00e7ocuklar\u0131yla e\u015fle\u015ftirmeyi de m\u00fcmk\u00fcn k\u0131l\u0131yor.<\/p>

Veriler, servet da\u011f\u0131l\u0131m\u0131n\u0131n 75. y\u00fczdelik diliminde olan ve 2004 y\u0131l\u0131nda 1 ABD dolar\u0131 tutar\u0131nda yat\u0131r\u0131m yapan bir bireyin 2015 sonunda 1.50 ABD dolar\u0131, yani %50 getiri elde edece\u011fini g\u00f6stermektedir. En y\u00fcksek %0.1’lik kesimde yer alan bir ki\u015fi, yat\u0131rd\u0131\u011f\u0131 ayn\u0131 dolar \u00fczerinden 2.40 ABD dolar\u0131, yani %140’l\u0131k bir getiri elde eder.<\/p>

Bir ba\u015fka \u00f6nemli bulgu ise \u015fudur: Y\u00fcksek getiri, bireyleri hem servet skalas\u0131n\u0131n en \u00fcst\u00fcne getiriyor hem de o seviyeden ayr\u0131lmalar\u0131n\u0131 engelliyor. Ya\u015f, ebeveyn ge\u00e7mi\u015fi ve kazanc\u0131 kontrol etmek, servet da\u011f\u0131l\u0131m\u0131n\u0131n 10. y\u00fczdelik diliminden 90. y\u00fczdelik dilimine ge\u00e7mek, %0.89’luk bir ortalama olas\u0131l\u0131\u011fa k\u0131yasla, onu ilk %1 yapma olas\u0131l\u0131\u011f\u0131n\u0131 %1.2 puan art\u0131rmaktad\u0131r.<\/p>

\"\"<\/figure>

Zenginler neden y\u00fcksek getiri elde eder? Halk aras\u0131ndaki yayg\u0131n inan\u0131\u015f, daha zengin bireylerin varl\u0131klar\u0131n\u0131n \u00e7o\u011funu y\u00fcksek riskli yat\u0131r\u0131mlara yat\u0131rd\u0131klar\u0131n\u0131 ve bunun da daha y\u00fcksek getiri sa\u011flayabilece\u011fini ileri s\u00fcrer. Ancak ara\u015ft\u0131rmam\u0131z, varl\u0131kl\u0131 insanlar\u0131n daha \u00f6l\u00e7\u00fcl\u00fc yat\u0131r\u0131mlardan bile daha y\u00fcksek getiri elde ettiklerini g\u00f6steriyor. Daha zengin bireyler, varl\u0131klar\u0131nda saf “\u00f6l\u00e7e\u011fe g\u00f6re getiri”ye sahiptirler. Spesifik olarak, belirli bir portf\u00f6y tahsisi i\u00e7in, daha varl\u0131kl\u0131 bireylerin, muhtemelen \u00f6zel yat\u0131r\u0131m f\u0131rsatlar\u0131na veya daha iyi servet y\u00f6neticilerine eri\u015fimleri oldu\u011fu i\u00e7in daha y\u00fcksek riske uyarlanm\u0131\u015f getiri elde etme olas\u0131l\u0131klar\u0131 daha y\u00fcksektir. Finansal tecr\u00fcbe, finansal bilgi ve giri\u015fimcilik yetene\u011fi de \u00f6nemlidir. Bu \u00f6zellikler, servetin getirilerini zaman i\u00e7inde kal\u0131c\u0131 hale getirir. Bu ara\u015ft\u0131rma, bu mekanizmay\u0131 \u00f6l\u00e7en ve deneysel olarak \u00f6nemli oldu\u011funu g\u00f6steren ilk ara\u015ft\u0131rmad\u0131r.<\/p>

Y\u00fcksek getiri nesiller boyunca devam ediyor mu? Cevap, \u015fartl\u0131 evet. Zenginlik y\u00fcksek derecede ku\u015faklar aras\u0131 ba\u011flant\u0131ya sahiptir, ancak zenginli\u011fin nesiller aras\u0131nda nas\u0131l getiriler sa\u011flad\u0131\u011f\u0131 konusunda \u00f6nemli farkl\u0131l\u0131klar vard\u0131r. En zenginlerin \u00e7ocuklar\u0131 muhtemelen \u00e7ok zenginler, ancak bu servetten ebeveynleri kadar y\u00fcksek getiri almalar\u0131 pek olas\u0131 de\u011fil. Bu, para tamamen miras al\u0131nabilse de, istisnai yetene\u011fin \u00f6yle olmad\u0131\u011f\u0131n\u0131 g\u00f6steriyor.
__
Bu makale <\/i>blogs.imf.org<\/i><\/a>‘dan yeniden payla\u015f\u0131lm\u015ft\u0131r.<\/i>
 <\/p>","protected":false},"excerpt":{"rendered":"

Davide Malacrino, Uluslararas\u0131 Para Fonu‘nun (IMF) Ara\u015ft\u0131rma Departman\u0131nda ekonomisttir.______Kaynak: Adobe\/Hyejin KangZenginlik, zenginli\u011fi do\u011furur. Bu basit ayr\u0131cal\u0131k kavram\u0131, COVID-19 pandemisinin g\u00f6lgesi alt\u0131nda artan e\u015fitsizlikle birlikte artan ho\u015fnutsuzlu\u011fa katk\u0131da bulundu.IMF ve di\u011fer kurumlardan ekonomistler taraf\u0131ndan bu y\u0131l ortak yaz\u0131lan bir makale, varl\u0131kl\u0131 insanlar\u0131n yat\u0131r\u0131mlar\u0131ndan daha y\u00fcksek getiri elde etme olas\u0131l\u0131klar\u0131n\u0131n daha y\u00fcksek oldu\u011funu do\u011fruluyor. Ayn\u0131 zamanda, varl\u0131kl\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,4],"tags":[],"editors":[198],"sponsored_companies":[],"class_list":["post-39523","post","type-post","status-publish","format-standard","hentry","category-exclusives","category-opinions","editors-davide-malacrino"],"acf":[],"yoast_head":"\nZengin Nas\u0131l Daha Zengin Olur? - Cryptonews<\/title>\n<meta name=\"description\" content=\"Zenginlik, zenginli\u011fi do\u011furur. 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