{"id":826522,"date":"2025-09-15T22:14:03","date_gmt":"2025-09-15T18:14:03","guid":{"rendered":"https:\/\/arantv.az\/?p=826522"},"modified":"2025-09-15T22:14:03","modified_gmt":"2025-09-15T18:14:03","slug":"v%c9%99t%c9%99ndaslar-ist%c9%99diyi-vaxtda-pensiyaya-cixa-bil%c9%99c%c9%99kl%c9%99r","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=826522","title":{"rendered":"V\u0259t\u0259nda\u015flar ist\u0259diyi vaxtda pensiyaya \u00e7\u0131xa bil\u0259c\u0259kl\u0259r?"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<p><strong>Az\u0259rbaycanda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 m\u0259s\u0259l\u0259si g\u00fcnd\u0259m\u0259 g\u0259tirilib v\u0259 bu istiqam\u0259td\u0259 yeni qanun layih\u0259sinin parlament\u0259 t\u0259qdim olunmas\u0131 n\u0259z\u0259rd\u0259 tutulur. S\u0259n\u0259din m\u0259qs\u0259di v\u0259t\u0259nda\u015flara pensiya kapital\u0131ndan daha \u00e7evik istifad\u0259 imkan\u0131 verm\u0259kdir. Lakin ictimaiyy\u0259td\u0259 yaranan \u201cist\u0259diyi vaxt pensiyaya \u00e7\u0131xmaq\u201d fikri reall\u0131\u011fa uy\u011fun deyil. M\u00fct\u0259x\u0259ssisl\u0259rin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00f6z\u0259l fondlar sad\u0259c\u0259 \u0259lav\u0259 se\u00e7im kimi n\u0259z\u0259rd\u0259 tutulur, d\u00f6vl\u0259t pensiyas\u0131na \u00e7\u0131xma ya\u015f\u0131 is\u0259 d\u0259yi\u015fm\u0259y\u0259c\u0259k.<\/strong><\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 \u201cYeni Sabah\u201da a\u00e7\u0131qlama ver\u0259n \u201cV\u0259t\u0259nda\u015flar\u0131n \u018fm\u0259k H\u00fcquqlar\u0131n\u0131 M\u00fcdafi\u0259 Liqas\u0131\u201dn\u0131n \u0130craiyy\u0259 Komit\u0259sinin s\u0259dri, h\u00fcquq\u015f\u00fcnas Sahib M\u0259mm\u0259dov b\u0259zi m\u0259qamlara ayd\u0131nl\u0131q g\u0259tirib:<\/p>\n<p>\u201c\u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 m\u0259s\u0259l\u0259si \u00e7oxdan m\u00fczakir\u0259 olunur, amma burada m\u00fc\u0259yy\u0259n h\u0259llini tapmal\u0131 m\u0259qamlar var. \u00d6z\u0259l pensiya fondlar\u0131n\u0131n \u00fcst\u00fcnl\u00fcy\u00fc ondad\u0131r ki, \u015f\u0259xs ora yat\u0131rd\u0131\u011f\u0131 pulu, y\u0259ni h\u0259min v\u0259saiti, v\u0259r\u0259s\u0259likl\u0259 d\u0259 \u00f6t\u00fcr\u0259 bilir. \u00dcst\u0259lik, h\u0259min v\u0259saitin d\u00f6vriyy\u0259sind\u0259n g\u0259lir \u0259ld\u0259 olunur, \u0259lav\u0259 faiz qazanmaq imkan\u0131 yaran\u0131r.<\/p>\n<p>Yax\u015f\u0131 c\u0259h\u0259tl\u0259ri olsa da, \u0259sas problem ondan ibar\u0259tdir ki, bu v\u0259saitl\u0259rin idar\u0259 olunmas\u0131 \u00fc\u00e7\u00fcn onlar\u0131n investisiya edilm\u0259si z\u0259ruridir. Y\u0131\u011f\u0131lan v\u0259sait d\u00fczg\u00fcn istiqam\u0259t\u0259 yat\u0131r\u0131lmal\u0131, oradan g\u0259lir \u0259ld\u0259 olunmal\u0131d\u0131r. \u00c7\u00fcnki h\u0259m fondun saxlanma x\u0259rcl\u0259ri qar\u015f\u0131lanmal\u0131, h\u0259m v\u0259saiti qoyanlar\u0131n pulu inflyasiyadan qorunmal\u0131, h\u0259m d\u0259 \u00fcz\u0259rin\u0259 faiz g\u0259lm\u0259lidir\u201d.<\/p>\n<p><strong>S.M\u0259mm\u0259dov bu sah\u0259d\u0259 bir s\u0131ra probleml\u0259rin oldu\u011funu da vur\u011fulay\u0131b:<\/strong><\/p>\n<p>\u201cBu bax\u0131mdan m\u00fc\u0259yy\u0259n probleml\u0259r meydana \u00e7\u0131x\u0131r. Bel\u0259 ki, \u00f6lk\u0259d\u0259 toplanan v\u0259saiti y\u00f6n\u0259ltm\u0259k \u00fc\u00e7\u00fcn riski az olan investisiya sah\u0259l\u0259rinin say\u0131 m\u0259hduddur. V\u0259sait el\u0259 istiqam\u0259tl\u0259r\u0259 yat\u0131r\u0131lmal\u0131d\u0131r ki, orada risk minimum olsun v\u0259 v\u0259sait batma t\u0259hl\u00fck\u0259si yaranmas\u0131n. Ona g\u00f6r\u0259 d\u0259 bu pullar\u0131n yat\u0131r\u0131m\u0131 \u0259sas\u0259n yaln\u0131z banklar vasit\u0259sil\u0259 m\u00fcmk\u00fcnd\u00fcr, lakin b\u00fct\u00fcn banklara da g\u00fcv\u0259nm\u0259k olmur. M\u0259hz buna g\u00f6r\u0259 m\u00fc\u0259yy\u0259n \u00e7\u0259tinlikl\u0259r m\u00f6vcuddur. H\u0259r halda m\u00fczakir\u0259l\u0259r davam edir v\u0259 ehtimal olunur ki, yax\u0131n g\u0259l\u0259c\u0259kd\u0259 bu fondlar yarad\u0131la bil\u0259r. Amma sual budur: \u0259hali buna n\u0259 d\u0259r\u0259c\u0259d\u0259 maraq g\u00f6st\u0259r\u0259c\u0259k v\u0259 v\u0259saitl\u0259rini \u00f6z\u0259l pensiya fondlar\u0131na yat\u0131racaqm\u0131?<\/p>\n<p>M\u0259s\u0259l\u0259n, bu g\u00fcn insanlar v\u0259saitl\u0259rini banka qoyaraq 11-12 faizl\u0259 dividend v\u0259 ya depozit g\u0259liri g\u00f6t\u00fcr\u0259 bilirl\u0259rs\u0259, h\u0259min pulu pensiya fonduna yat\u0131rma\u011fa maraql\u0131 olacaqlarm\u0131? B\u00fct\u00fcn bu suallar a\u00e7\u0131q qal\u0131r. Buna g\u00f6r\u0259 d\u0259 bu m\u0259s\u0259l\u0259d\u0259 t\u0259l\u0259sm\u0259k olmaz. El\u0259 buna g\u00f6r\u0259 d\u0259 \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi, D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondu prosesi \u00e7ox ciddi \u015f\u0259kild\u0259, h\u0259rt\u0259r\u0259fli \u00f6yr\u0259nir\u201d.<\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 m\u0259s\u0259l\u0259si g\u00fcnd\u0259m\u0259 g\u0259tirilib v\u0259 bu istiqam\u0259td\u0259 yeni qanun layih\u0259sinin parlament\u0259 t\u0259qdim olunmas\u0131 n\u0259z\u0259rd\u0259 tutulur. S\u0259n\u0259din m\u0259qs\u0259di v\u0259t\u0259nda\u015flara pensiya kapital\u0131ndan daha \u00e7evik istifad\u0259 imkan\u0131 verm\u0259kdir. Lakin ictimaiyy\u0259td\u0259 yaranan \u201cist\u0259diyi vaxt pensiyaya \u00e7\u0131xmaq\u201d fikri reall\u0131\u011fa uy\u011fun deyil. M\u00fct\u0259x\u0259ssisl\u0259rin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00f6z\u0259l fondlar sad\u0259c\u0259 \u0259lav\u0259 se\u00e7im kimi n\u0259z\u0259rd\u0259 tutulur, d\u00f6vl\u0259t pensiyas\u0131na \u00e7\u0131xma ya\u015f\u0131 is\u0259 d\u0259yi\u015fm\u0259y\u0259c\u0259k. M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 \u201cYeni Sabah\u201da a\u00e7\u0131qlama ver\u0259n \u201cV\u0259t\u0259nda\u015flar\u0131n \u018fm\u0259k H\u00fcquqlar\u0131n\u0131 M\u00fcdafi\u0259 Liqas\u0131\u201dn\u0131n \u0130craiyy\u0259 Komit\u0259sinin s\u0259dri, h\u00fcquq\u015f\u00fcnas Sahib M\u0259mm\u0259dov b\u0259zi m\u0259qamlara ayd\u0131nl\u0131q g\u0259tirib: \u201c\u00d6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 m\u0259s\u0259l\u0259si \u00e7oxdan m\u00fczakir\u0259 olunur, amma burada m\u00fc\u0259yy\u0259n&hellip;<\/p>\n","protected":false},"author":2,"featured_media":826523,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936.jpg",700,448,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936.jpg",700,448,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936.jpg",700,448,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936-570x365.jpg",570,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936.jpg",640,410,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936.jpg",700,448,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936.jpg",700,448,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/a40a175ab73fa71f459be76c98405936.jpg",700,448,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=26\" rel=\"category\">Sosial<\/a>","rttpg_excerpt":"Az\u0259rbaycanda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 m\u0259s\u0259l\u0259si g\u00fcnd\u0259m\u0259 g\u0259tirilib v\u0259 bu istiqam\u0259td\u0259 yeni qanun layih\u0259sinin parlament\u0259 t\u0259qdim olunmas\u0131 n\u0259z\u0259rd\u0259 tutulur. S\u0259n\u0259din m\u0259qs\u0259di v\u0259t\u0259nda\u015flara pensiya kapital\u0131ndan daha \u00e7evik istifad\u0259 imkan\u0131 verm\u0259kdir. Lakin ictimaiyy\u0259td\u0259 yaranan \u201cist\u0259diyi vaxt pensiyaya \u00e7\u0131xmaq\u201d fikri reall\u0131\u011fa uy\u011fun deyil. M\u00fct\u0259x\u0259ssisl\u0259rin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00f6z\u0259l fondlar sad\u0259c\u0259 \u0259lav\u0259 se\u00e7im kimi n\u0259z\u0259rd\u0259 tutulur, d\u00f6vl\u0259t pensiyas\u0131na \u00e7\u0131xma ya\u015f\u0131&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/826522"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=826522"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/826522\/revisions"}],"predecessor-version":[{"id":826525,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/826522\/revisions\/826525"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/826523"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=826522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=826522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=826522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}