TEMETTÜ UZUN VADE

Nedir bu temettü emekliliği?

Ne işe yarar, ne gibi faydaları vardır? Temettü emeklisi olmak için ne yapmam gerekiyor diyorsanız, gelin biraz sohbet edelim.

Öncelikle temettü nedir?

Temettü, şirketlerin dönem içinde elde ettikleri kârdan mevcut ortakların(yatırımcıların) pay alma hakkıdır. Borsada işlem gören şirketlerde kâr payı nakit veya hisse senedi şeklinde dağıtılabilir. Kısaca yatırım yaptığınız şirketin ne kadar hisse senedine sahipseniz kâr dan da o kadar pay alırsınız.

Örnek;

X şirketi bu sene 4,45 TL temettü ödemesi yapacağını açıkladı, temettü ödemelerin de %10 stopaj kesintisi vardır, bu tutar düştükten sonra kalan  4,005 TL dir. Elinizde X şirketinin hisselerinden 500 adet  olduğunu düşünürsek,  2.0002 TL temettü(kâr payı ödemesi)alacaksınız demektir.

Hadi başlayalım;


Temettü emekliliği aslında hiçte kolay bir yol değildir, zordur sabır ister, bazı dönemlerde (borsanın sert düşüş yaşadığı zamanlarda) psikolojik anlamda sizi çok zorlayan bir yatırım stratejisidir. Sabırlı iseniz ve minimum 10 yıl bıkmadan usanmadan planlı bir şekilde tasarruf ederek, bunu başarabilirsiniz.

Tabi’ki sadece tasarruflarınızı kenarda tutarak bunu başarmanız imkansız, tasarruflarınızı düzenli temettü ödemeyi alışkanlık haline getiren şirketlere yatırım yaparak ileride temettü emeklisi olmayı başarabilirsiniz.
Hangi şirketler düzenli temettü öder, temettü ödeme oranı her sene artıyor mu son 10 yılda kaç kere temettü ödemesi yaptı, şirketin faaliyet gösterdiği sektör ve geleceğe yönelik plan ve yatırımlar, bunlarda şirket seçimi için önemli kriterlerin en başında gelir. Bu araştırmalar için BIST Temettü 25 (XTM25) endeksindeki şirketlere bakabilirsiniz.


Ayrıca şirketlerin temettü verimlerini detaylı bir şekilde incelemek için;
temettuhisseleri.com sitesini de ziyaret edebilirsiniz.

Temettü emekliliği yada bir başka değimle aylık ekstra maaş ne kadar olmalı?

Bu tamamen yatırımcının yaşam standartları yada ileride sahip olmak istediği yaşam standartları ile alakalı bir durumdur.

Kendimi örnek verecek olur isem günümüzde asgari ücret 4.250 TL. Benim hedefimdeki aylık temettü gelir hedefim mevcut asgari ücretin 4 katı yani 17.000 TL aylık kazanç.

17.000 TL aylık kazanç için yıllık 204.000 temettü gelirimin olması gerekli, 17.000 TL ile bir ay boyunca kimseye muhtaç olmadan hatta çalışmadan hayatıma devam edebilirim.

Peki 204.000 TL yıllık temettü için ne kadar bir portföy büyüklüğüne sahip olmalıyız bu tamamen sizin şirket seçimi sayınıza bağlı.

Yine günümüzden örnek verecek olursak, 2022 için temettü ödeme miktarlarını açıklayan şirketler üzerinden gidelim, Ereğli Demir Çelik fabrikası bu sene hisse başı net 4 TL temettü ödemesi açıkladı, Ereğli den yıllık 204.000 TL temettü ödemesi alabilmeniz için elinizde 51.000 lot (adet) hisseniz olması gerekiyor, şuan ki (19 mart 2022) hisse kapanış fiyatı 36.16 TL den 51.000 × 36.16 = 1.844.160 TL lik bir yatırımınız olması gerekiyordu.

Dikkat edin şuan ki güncel fiyattan diyorum, bundan 2 sene önce yani 02.01.2020 de Ereğli’nin fiyatı 7,83 TL iken toplamda 399.330 TL ile 51.000 adet ereğli alabiliyorduk.

2 sene önce 399.330 TL si ile Ereğli alan bir yatırımcı bu sene 204.000 TL temettü alacak, aylık 17.000 TL temettü geliri. 2 sene önce yatırdığı tutar 399.330 TL portföye sahip iken  günümüzdeki portföy değeri 1.844.160 TL olmuş, hem yatırdığı para katlanmış hem de, aylık 17.000 TL temettü kazancı sağlamış yatırımcısına.

İlk başta demiştik ya temettü yolculuğu uzun ve zorlu bir yoldur, sabrınız varsa ve doğru şirket seçimi ile hem yatırımınız katlanır hem de size aylık ekstra maaş ödemesi bile yapar, unutmayın borsa sabırsızların parasını, sabırlılara aktarmanın bir yoludur.

Uzun bir yola çıkarak yatırım yapacağız dedik ve malum bir çoğumuzun elinde 1 milyon parası yok, yolumuza aylık alımlar ile devam ediyor ve ileride temettü emekliliği hayalini kuruyoruz, bunun için kendimize hedefler koymalıyız mesela benim portföyüm 7 şirketten oluşuyor, takip etme ve yatırım yapma gücü olarak 7 şirket benim için ideal, kimisine göre bu 4 şirket yada10-15 şirket olarak değişebilir.
Şimdi aylık 17.000 TL temettü geliri için tek şirket üzerinden değil de, yine bu dönemde temettü ödemesi açıklayan şirketler üzerinden  bir plan yapalım.
02.01.2020 yılında yatırıma başlasaydım, hangi şirketlerden ne kadar hisse adetim olsa, ne kadar para yatırmış olsaydım aylık 17.000 TL temettü ödemesi alabilirdim.

Ereğli  12.750 adet × 7.83 = 97.875 TL

Aksa  30.500 adet × 6.62 = 201.900 TL

Türk Traktör2.520 adet × 49.87=125.672 TL

Froto : 4358 adet × 62.22 = 271.154 TL

Not: BU şirketlerin 2020 – 2022  arasında yapmış olduğu bedelli,bedelsiz sermaye artırımları ve 2021 yılında ödenen temettu ler ile tekrar hisse senedi alınmamış ve dahil edilmemiştir.

Bu 4 şirkete 02.01.2020 tarihinde toplam 696.900 TL yatırım yaparak belirtilen adetlerde hisse senedi almış olsaydık,
2022 yılında

• Ereğli  12.750 × 4   = 51.000 TL
• Aksa  30.500 × 1.67 = 50.935 TL
• Türk Traktör 2.520 × 20.24 = 51.000 TL
• Ford 4.358 × 11.70 = 50.988 TL

Toplam = 203.923 TL  temettü kazancı elde etmiş olurduk.

İki sene önce 696.900 TL yatırım yaptık ve bu sene bize 204.000 TL temettü ödemesi kazancı sağladı. Peki iki sene önceki 696.900 TL bugün ne kadar olmuş,

19 mart 2022 kapanış fiyatları
• Ereğli 36.16 × 12.750 =  461.040 TL
• Aksa  35.66 × 30.500 = 1.087.630 TL
• Türk Traktör 231.90 × 2.520 = 584.388 TL
• Ford  294.60 × 4.358 = 1.283.866 TL

TOPLAM= 3.416.924 TL

Evet temettü emekliliği yada ekstra maaş hedefi ile yapmış olduğunuz tasarrufların doğru şirketlerde nasıl değerlendiğini kendimce anlatmak istedim.

Uzun vade yatırımcıları her zaman kazanan taraf olmuştur. İnanın bizlerde minimum 5-10 sene sonra, elde etmiş olduğumuz temettüler ile çok daha rahat bir hayat süreceğiz, en azından kazandığımız maaş kadar belki de daha fazla bir ek gelire sahip olacağız. 

Umarım bu yazımda  temettü-uzun vade yatırımcılığı hakkında azda olsa bilgi verebilmişimdir.


Herkese bol kazançlı yatırımlar. Hedef 2030 Asla durma…

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