{"id":35352,"date":"2023-01-30T23:49:53","date_gmt":"2023-01-30T22:49:53","guid":{"rendered":"https:\/\/www.investglass.com\/?p=35352"},"modified":"2026-04-17T14:14:05","modified_gmt":"2026-04-17T12:14:05","slug":"bankacilar-i%cc%87ngi%cc%87lterede-emekli%cc%87li%cc%87k-omur-boyu-odenegi%cc%87ni%cc%87-nasil-yonetebi%cc%87li%cc%87r","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/how-bankers-can-manage-pension-lifetime-allowance-in-the-uk\/","title":{"rendered":"Bankac\u0131lar Birle\u015fik Krall\u0131k'ta emeklilik \u00f6m\u00fcr boyu \u00f6dene\u011fini nas\u0131l y\u00f6netebilir?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bu&nbsp;<strong>Emeklilik \u00d6m\u00fcr Boyu \u00d6dene\u011fi (LTA)<\/strong>&nbsp;Ekstra vergi masraflar\u0131yla kar\u015f\u0131la\u015fmadan emeklilik maa\u015f\u0131n\u0131zda ne kadar tasarruf edebilece\u011finizin s\u0131n\u0131r\u0131d\u0131r. Bu s\u0131n\u0131r \u015fu anda&nbsp;<strong>Nisan 2026'ya kadar 1,073,100 \u00a3<\/strong>, g\u00f6re&nbsp;<a href=\"https:\/\/www.gov.uk\/government\/publications\/setting-the-standard-lifetime-allowance-from-2021-to-2022-to-2025-to-2026\/setting-the-standard-lifetime-allowance-from-2021-to-2022-to-2025-to-2026\">Gov.uk<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">LTA'n\u0131n a\u015f\u0131lmas\u0131, a\u015fa\u011f\u0131daki vergi \u00fccretlerini tetiklemek i\u00e7in kullan\u0131l\u0131r&nbsp;<strong>55%<\/strong>&nbsp;(toplu \u00f6deme) veya&nbsp;<strong>25%<\/strong>&nbsp;(gelir), ancak&nbsp;<strong>Bahar B\u00fct\u00e7esi 2023<\/strong>, Birle\u015fik Krall\u0131k h\u00fck\u00fcmeti LTA'n\u0131n&nbsp;<strong>Nisan 2024'ten itibaren kald\u0131r\u0131lm\u0131\u015ft\u0131r<\/strong><br>(<a href=\"https:\/\/www.gov.uk\/government\/publications\/abolishing-the-pensions-lifetime-allowance\">Gov.uk - LTA'n\u0131n Kald\u0131r\u0131lmas\u0131<\/a>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Emeklilik \u00f6m\u00fcr boyu \u00f6dene\u011fi, vergiye tabi olmadan \u00f6nce emeklilik fonunuzda bulundurman\u0131za izin verilen para miktar\u0131na ili\u015fkin h\u00fck\u00fcmet taraf\u0131ndan belirlenen bir s\u0131n\u0131rd\u0131r. Bu s\u0131n\u0131r 2006 y\u0131l\u0131nda getirilmi\u015ftir ve \u015fu anda 1,073,100 \u00a3'dur. Tekrar g\u00f6zden ge\u00e7irilece\u011fi 2026 y\u0131l\u0131na kadar bu seviyede dondurulmu\u015ftur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-lifetime-allowance\">\u00d6m\u00fcr boyu \u00f6denek nedir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Emeklilik \u00f6m\u00fcr boyu \u00f6dene\u011fi, vergiye tabi olmadan \u00f6nce emeklilik fonunuzda bulundurman\u0131za izin verilen para miktar\u0131na ili\u015fkin h\u00fck\u00fcmet taraf\u0131ndan belirlenen bir s\u0131n\u0131rd\u0131r. Bu s\u0131n\u0131r 2006 y\u0131l\u0131nda getirilmi\u015ftir ve \u015fu anda 1,073,100 \u00a3'dur. Bu tutar\u0131n \u00fczerinde yapt\u0131\u011f\u0131n\u0131z t\u00fcm katk\u0131lar 25% \u00fczerinden vergilendirilecektir, bu nedenle emeklilik tasarruflar\u0131n\u0131z\u0131 en \u00fcst d\u00fczeye \u00e7\u0131karmak istiyorsan\u0131z s\u0131n\u0131r dahilinde kalmak \u00f6nemlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SIPP'ler (Self-Invested Personal Pensions), emeklilik fonunuzdaki yat\u0131r\u0131mlar\u0131n nas\u0131l y\u00f6netilece\u011fi konusunda kendi kararlar\u0131n\u0131z\u0131 vermenize olanak tan\u0131yan bir emeklilik plan\u0131 t\u00fcr\u00fcd\u00fcr. Emeklilik katk\u0131lar\u0131n\u0131z\u0131 y\u00f6netmenin etkili bir yoludur ve di\u011fer geleneksel planlara g\u00f6re daha fazla esneklik sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SIPP, di\u011fer emeklilik planlar\u0131ndan daha fazla getiri sa\u011flamak amac\u0131yla emeklilik fonunuzu olu\u015fturman\u0131za olanak tan\u0131yan, vergi a\u00e7\u0131s\u0131ndan verimli bir ki\u015fisel emeklilik plan\u0131d\u0131r. Bununla birlikte, emeklilik \u00f6m\u00fcr boyu \u00f6dene\u011finin \u00fczerindeki t\u00fcm katk\u0131lar\u0131n daha y\u00fcksek vergi \u00fccretlerine tabi olaca\u011f\u0131n\u0131 unutmamak \u00f6nemlidir. InvestGlass dijital formu a\u015fa\u011f\u0131dakileri kolayla\u015ft\u0131rmak i\u00e7in kullan\u0131labilir <a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/tr\/dijital-ise-alim\/\" title=\"dijital i\u015fe al\u0131m\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"141\">dijital i\u015fe al\u0131m<\/a> SIPP i\u00e7in ve katk\u0131lar\u0131n\u0131z\u0131 kolayca takip edin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-i-exceed-the-lifetime-allowance\">\u00d6m\u00fcr boyu \u00f6dene\u011fi a\u015farsam ne olur?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Emeklilik fonunuza \u00f6m\u00fcr boyu \u00f6dene\u011fin \u00fczerinde katk\u0131 yaparsan\u0131z, bir vergi \u00fccretine tabi olursunuz. Bu durum, emekli oldu\u011funuzda toplam emeklilik birikiminiz \u00f6m\u00fcr boyu \u00f6denekten daha az olsa bile ge\u00e7erlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6denecek vergi miktar\u0131, emeklilik fonunuzdan toplu para \u00e7ekmenize olanak tan\u0131yan \u2018esnek yard\u0131mlara' sahip olup olmad\u0131\u011f\u0131n\u0131za ba\u011fl\u0131d\u0131r. Esnek yard\u0131mlar\u0131n\u0131z varsa, vergi y\u00fck\u00fc \u00f6m\u00fcr boyu \u00f6dene\u011fi a\u015fan miktar\u0131n 25%'si olacakt\u0131r. E\u011fer yoksa, o zaman 55% olacakt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6m\u00fcr boyu \u00f6dene\u011fi a\u015fmaktan ka\u00e7\u0131nman\u0131n en iyi yolu, katk\u0131lar\u0131n\u0131z\u0131 takip etmek ve s\u0131n\u0131r\u0131 a\u015fmad\u0131klar\u0131ndan emin olmakt\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-know-if-i-ve-breached-the-lifetime-allowance\">\u00d6m\u00fcr boyu \u00f6dene\u011fi ihlal edip etmedi\u011fimi nas\u0131l bilebilirim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6m\u00fcr boyu \u00f6dene\u011fi ihlal edip etmedi\u011finizi bilmenin en iyi yolu, farkl\u0131 emeklilik maa\u015flar\u0131ndaki t\u00fcm katk\u0131lar\u0131n\u0131z\u0131 takip etmektir. Bu, emeklilik sa\u011flay\u0131c\u0131n\u0131z taraf\u0131ndan sa\u011flanan toplam emeklilik birikimi rakam\u0131n\u0131 g\u00f6zden ge\u00e7irerek veya InvestGlass gibi \u00e7evrimi\u00e7i bir yat\u0131r\u0131m izleme platformu gibi bir ara\u00e7 kullanarak yap\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu \u00f6denek programlar\u0131n\u0131 y\u00f6netmek i\u00e7in InvestGlass CRM ve kampanya ara\u00e7lar\u0131n\u0131 kullanman\u0131z\u0131 \u00f6neririz. Kampanya arac\u0131, m\u00fc\u015fteri ilerlemesini izlemek ve takip etmek i\u00e7in \u00e7ok yararl\u0131d\u0131r, CRM ise ilgili t\u00fcm verileri tek bir yerde saklaman\u0131za ve gerekti\u011finde bunlara eri\u015fmenize olanak tan\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-could-the-lifetime-allowance-freeze-affect-my-clients\">\u00d6m\u00fcr boyu \u00f6dene\u011fin dondurulmas\u0131 m\u00fc\u015fterilerimi nas\u0131l etkileyebilir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00fck\u00fcmetin emeklilik ya\u015fam boyu \u00f6dene\u011fini 2026 y\u0131l\u0131na kadar dondurma karar\u0131, \u00f6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l i\u00e7inde b\u00fcy\u00fck katk\u0131lar yapmay\u0131 planl\u0131yorsan\u0131z emeklilik birikimleriniz \u00fczerinde bir etkiye sahip olabilir. Limit bu d\u00f6nem i\u00e7in 1.073.100 \u00a3 olarak kalaca\u011f\u0131ndan, bu tutar\u0131n \u00fczerindeki katk\u0131lar vergi \u00fccretine tabi olabilir. S\u0131n\u0131ra yakla\u015f\u0131yorsan\u0131z, di\u011fer yat\u0131r\u0131m t\u00fcrlerini de\u011ferlendirmek, katk\u0131lar\u0131 durdurmak veya emeklilik yard\u0131mlar\u0131n\u0131z\u0131 beklenenden daha erken almak gibi emeklilik maa\u015flar\u0131n\u0131z\u0131 y\u00f6netmenin yollar\u0131 vard\u0131r<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-should-i-do-if-my-clients-are-nearing-the-lifetime-allowance\">M\u00fc\u015fterilerim \u00f6m\u00fcr boyu \u00f6dene\u011fe yakla\u015f\u0131yorsa ne yapmal\u0131y\u0131m?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6m\u00fcr boyu \u00f6denek s\u0131n\u0131r\u0131na yakla\u015f\u0131yorsan\u0131z, se\u00e7eneklerinizi de\u011ferlendirmeniz \u00f6nemlidir. Prim \u00f6demeyi durdurabilir, hisse senedi gibi di\u011fer yat\u0131r\u0131m t\u00fcrlerine yat\u0131r\u0131m yapabilir veya emeklilik yard\u0131mlar\u0131n\u0131z\u0131 planlad\u0131\u011f\u0131n\u0131zdan daha erken alabilirsiniz. Ancak, emeklilik birikimlerinizle ilgili herhangi bir karar vermeden \u00f6nce bir mali dan\u0131\u015fmandan tavsiye alman\u0131z \u00f6nemlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Emeklilik maa\u015flar\u0131 Veraset Vergisi (IHT) planlamas\u0131 i\u00e7in de\u011ferli bir ara\u00e7 olabilir. Veraset Vergisi, bir nesilden di\u011ferine aktar\u0131lan baz\u0131 hediyeler ve varl\u0131klar i\u00e7in ge\u00e7erli olan, \u00f6l\u00fcm \u00fczerine servet transferine uygulanan bir vergidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Veraset Vergisi ama\u00e7lar\u0131 do\u011frultusunda terekenizi de\u011ferlendirirken, emekli maa\u015flar\u0131n\u0131 da hesaba katmak \u00f6nemlidir. Emeklilik katk\u0131 paylar\u0131, bir bireyin terekesinin toplam de\u011ferine dahil edilir ve \u00f6m\u00fcr boyu \u00f6dene\u011fin \u00fczerindeki herhangi bir katk\u0131 pay\u0131 vergi masraflar\u0131na tabi olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-other-types-of-investments-could-i-use\">Ba\u015fka hangi yat\u0131r\u0131m t\u00fcrlerini kullanabilirim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6m\u00fcr boyu \u00f6dene\u011fe yakla\u015f\u0131yorsan\u0131z ve bunu ihlal etmekten ka\u00e7\u0131nmak istiyorsan\u0131z, g\u00f6z \u00f6n\u00fcnde bulundurman\u0131z gereken ba\u015fka yat\u0131r\u0131mlar da vard\u0131r. Hisse senetlerine ve hisselere yat\u0131r\u0131m yapmak, di\u011fer baz\u0131 yat\u0131r\u0131mlardan daha d\u00fc\u015f\u00fck riskle uygun getiri sa\u011flayabilecek bir se\u00e7enektir. Bu, bir borsa komisyoncusu veya InvestGlass gibi bir \u00e7evrimi\u00e7i ticaret platformu arac\u0131l\u0131\u011f\u0131yla yap\u0131labilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hisse senetleri ve hisseler<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bireysel Tasarruf Hesaplar\u0131 (ISA'lar) vergiden muaf olarak para biriktirmenin ve yat\u0131r\u0131m yapman\u0131n harika bir yoludur. Esneklik ve vergi verimlili\u011finin cazip bir kombinasyonunu sunarak, her vergi y\u0131l\u0131nda nakit ve hisse senedi ve hisse senedi ISA'lar\u0131nda herhangi bir kombinasyonda 20.000 \u00a3 'a kadar tasarruf yapman\u0131za olanak tan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nakit ISA ile birikimlerinizden vergiden muaf olarak faiz kazanabilirken, hisse senedi ISA ile borsaya vergiden muaf olarak yat\u0131r\u0131m yapabilirsiniz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>M\u00fclkiyet<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gayrimenkul yat\u0131r\u0131m\u0131, di\u011fer baz\u0131 yat\u0131r\u0131mlara g\u00f6re daha d\u00fc\u015f\u00fck riskle cazip bir getiri sa\u011flayabilir. Sat\u0131n al-kirala m\u00fclkleri, genellikle di\u011fer yat\u0131r\u0131mlardan daha y\u00fcksek getiri sa\u011flad\u0131klar\u0131 i\u00e7in bunu yapman\u0131n pop\u00fcler bir yoludur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00fclke yat\u0131r\u0131m yaparken, yerel piyasay\u0131 ve yat\u0131r\u0131mla ilgili potansiyel riskleri iyi anlad\u0131\u011f\u0131n\u0131zdan emin olman\u0131z \u00f6nemlidir. Ayr\u0131ca, m\u00fclk\u00fcn\u00fcz ve kirac\u0131lar\u0131n\u0131z i\u00e7in uygun bir sigorta yapt\u0131rd\u0131\u011f\u0131n\u0131zdan da emin olmal\u0131s\u0131n\u0131z.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-s-next-for-lifetime-allowance-digitization\">\u00d6m\u00fcr boyu \u00f6deneklerin dijitalle\u015ftirilmesi i\u00e7in s\u0131rada ne var?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Emeklilik \u00f6m\u00fcr boyu \u00f6dene\u011finizi y\u00f6netmenin en iyi yolu, farkl\u0131 emeklilik maa\u015flar\u0131 aras\u0131ndaki t\u00fcm katk\u0131lar\u0131n\u0131z\u0131 takip etmek veya \u00e7evrimi\u00e7i yat\u0131r\u0131m izleme platformu gibi bir ara\u00e7 kullanmakt\u0131r. \u00d6m\u00fcr boyu \u00f6dene\u011finize yakla\u015f\u0131yorsan\u0131z ve olas\u0131 vergi masraflar\u0131ndan ka\u00e7\u0131nmak istiyorsan\u0131z, hisse senedi ve hisse senedi ISA'lar\u0131 ve emlak yat\u0131r\u0131mlar\u0131 gibi sizin i\u00e7in uygun olabilecek ba\u015fka yat\u0131r\u0131m t\u00fcrleri de vard\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar ve varl\u0131k y\u00f6neticileri, m\u00fc\u015fterilerine m\u00fcmk\u00fcn olan en iyi hizmeti sunmak i\u00e7in teknolojiden yararlanman\u0131n yollar\u0131n\u0131 giderek daha fazla ar\u0131yor. InvestGlass, bankalar\u0131n ve varl\u0131k y\u00f6neticilerinin bu hedefe ula\u015fmalar\u0131na yard\u0131mc\u0131 olabilecek teknolojilerden biridir. InvestGlass, finans kurulu\u015flar\u0131n\u0131n m\u00fc\u015fterilerine yat\u0131r\u0131mlar\u0131n\u0131n kapsaml\u0131 bir g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc sunmalar\u0131n\u0131 sa\u011flayan ve emeklilik \u00f6m\u00fcr boyu \u00f6deneklerini kolayca izlemelerine olanak tan\u0131yan yenilik\u00e7i, bulut tabanl\u0131 bir teknolojidir.<\/p>","protected":false},"excerpt":{"rendered":"<p>The&nbsp;pension Lifetime Allowance (LTA)&nbsp;is the limit on how much you can save in your pension without facing extra tax charges. It was frozen at&nbsp;\u00a31,073,100 until April 2026, according to&nbsp;Gov.uk. Exceeding the LTA used to trigger tax charges of&nbsp;55%&nbsp;(lump sum) or&nbsp;25%&nbsp;(income), but in the&nbsp;Spring Budget 2023, the UK government announced the LTA would be&nbsp;abolished from April [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[376,375],"class_list":["post-35352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-isas","tag-manage-pension-lifetime-allowance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Manage Pension Lifetime Allowance Effectively<\/title>\n<meta name=\"description\" content=\"The&nbsp;pension Lifetime Allowance (LTA)&nbsp;is the limit on how much you can save in your pension without facing extra tax charges. 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