\u00d6zel plasman hayat sigortas\u0131<\/h1>\n
Bir aile ofisi, bir \u00f6zel plasman hayat sigortas\u0131 \u00e7\u00f6z\u00fcm\u00fc olu\u015fturmada size yard\u0131mc\u0131 olacak birikime sahiptir. Uluslararas\u0131 hayat sigortas\u0131 \u00e7\u00f6z\u00fcmleri varl\u0131kl\u0131 aileler taraf\u0131ndan, servet korunmas\u0131, vergi ve m\u00fclk planlamas\u0131 ve\/veya gizlilik yap\u0131s\u0131 i\u00e7in bir varl\u0131k y\u00f6netimi yap\u0131s\u0131 olarak giderek daha fazla kullan\u0131lmaktad\u0131r.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u00d6zel plasman hayat sigortas\u0131 nedir?<\/h2>\n
G\u00fcn\u00fcm\u00fczde d\u00fcnya genelinde sunulan \u00e7ok b\u00fcy\u00fck miktarda uluslararas\u0131 hayat sigortas\u0131 \u00fcr\u00fcnleri bulunmaktad\u0131r. Bu uluslararas\u0131 hayat sigortas\u0131 \u00e7\u00f6z\u00fcmlerinin baz\u0131lar\u0131 \u00f6zel plasman uluslararas\u0131 hayat sigortas\u0131<\/a> (PPLI) olarak bilinir. Bu \u00fcr\u00fcnle, yat\u0131r\u0131m portfolyolar\u0131 bir banka hesab\u0131nda de\u011fil, sigorta i\u00e7erisinde tutulur (korunur). Normalde bu t\u00fcr uluslararas\u0131 hayat sigortas\u0131 \u00fcr\u00fcnleri, k\u00e2r\u0131n yat\u0131r\u0131m portf\u00f6y\u00fcne birimler h\u00e2linde yat\u0131r\u0131ld\u0131\u011f\u0131 ve b\u00f6ylelikle potansiyel ek gelir imk\u00e2n\u0131 veren t\u00fcrde bir sigorta olarak d\u00fczenlenir, bu da uluslararas\u0131 hayat sigortas\u0131n\u0131n her h\u00e2l\u00fck\u00e2rda \u00f6denecek getirisinin uluslararas\u0131 hayat sigortas\u0131 poli\u00e7esi i\u00e7inde saklanan g\u00fcvencelerin performans\u0131na ba\u011fl\u0131 oldu\u011fu anlam\u0131na gelir. Bu t\u00fcr uluslararas\u0131 hayat sigortas\u0131 poli\u00e7esi, m\u00fc\u015fterilerinin yat\u0131r\u0131m portfolyolar\u0131n\u0131 yap\u0131land\u0131rmak isteyen aile ofisleri taraf\u0131ndan d\u00fczenli olarak kullan\u0131l\u0131r.<\/p>\n Hayat sigortas\u0131 spektrumu i\u00e7inde, \u00f6zel plasman uluslararas\u0131 hayat sigortas\u0131 universal life insurance\u2019\u0131n (ULI)<\/a> tam tersidir. \u00d6zel plasman uluslararas\u0131 hayat sigortas\u0131 (PPLI) poli\u00e7esi ile \u00f6l\u00fcm kapsam\u0131 en alt seviyedeyken, universal life insurance (ULI) ile bu a\u015f\u0131r\u0131 derecede y\u00fcksektir.<\/p>\n<\/div><\/div><\/div><\/div><\/div> Uluslararas\u0131 hayat sigortas\u0131 poli\u00e7esini finansal olarak \u00e7ekici k\u0131lmak ad\u0131na, sigortan\u0131n vefat kapsam\u0131, \u00e7o\u011fu \u00f6zel plasman hayat sigortas\u0131 poli\u00e7esinde olabilecek en d\u00fc\u015f\u00fck yasal alt s\u0131n\u0131ra indirilmi\u015ftir, bu da nispeten d\u00fc\u015f\u00fck \u00fcr\u00fcn masraflar\u0131 (sigorta maliyetleri) sa\u011flam\u0131\u015ft\u0131r. Sigorta \u015firketi taraf\u0131ndan varl\u0131klar\u0131 emanet etmek i\u00e7in kullan\u0131lan \u00f6zel banka (koruyucu banka) genelde yat\u0131r\u0131m portfolyonuzu tutan bankayla ayn\u0131d\u0131r. \u00c7o\u011fu durumda, o bankan\u0131n portfolyo y\u00f6netimi b\u00f6l\u00fcm\u00fc, \u00f6zel plasman uluslararas\u0131 hayat sigortas\u0131n\u0131 de\u011fi\u015ftirdi\u011finiz andan itibaren yat\u0131r\u0131mlar\u0131 y\u00f6netir veya aile ofisi varl\u0131k y\u00f6netici olarak g\u00f6rev yapmaya ba\u015flar.<\/p>\n * Bir uluslararas\u0131 hayat sigortas\u0131 poli\u00e7esinin vergi kapsam\u0131 her \u00fclke i\u00e7in farkl\u0131d\u0131r.<\/small><\/li>\n<\/ul>\n Uluslararas\u0131 hayat sigortas\u0131 \u00e7\u00f6z\u00fcm\u00fc do\u011fru olu\u015fturulursa (poli\u00e7e vergiyle uyumluysa ve sadece bir \u00f6rtme\/saklama olarak kullan\u0131lm\u0131yorsa), yat\u0131r\u0131m yap\u0131labilir varl\u0131klar\u0131n\u0131z di\u011fer varl\u0131klar\u0131n\u0131zdan t\u00fcm\u00fcyle ayr\u0131lacak ve sa\u011flam bir varl\u0131k korumas\u0131 sa\u011flanacakt\u0131r. Uluslararas\u0131 hayat sigortas\u0131 \u015firketi yat\u0131r\u0131labilir varl\u0131klar\u0131n\u0131z\u0131n sahibi ve hesab\u0131n mutlak yararlanma hakk\u0131 sahibi olarak kay\u0131tl\u0131 oldu\u011fundan, gizlili\u011finiz de her anlamda korunur. Katk\u0131da bulunulan varl\u0131klar, sigorta \u015firketi veya koruyu banka iflas etse bile etkilenmez, zira sigortac\u0131n\u0131n ve bankan\u0131n risk k\u00fcresinden ayr\u0131lm\u0131\u015f durumdad\u0131rlar**.<\/p>\n<\/div><\/div><\/div><\/div><\/div> Uluslararas\u0131 hayat sigortas\u0131 \u00e7\u00f6z\u00fcmlerine d\u00e2hil edilebilecek tek \u015fey yat\u0131r\u0131m portfolyolar\u0131 de\u011fildir: emlak, operasyonel \u015firketler ve di\u011fer t\u00fcm de\u011ferli varl\u0131klar da hayat sigortas\u0131 \u00e7\u00f6z\u00fcmleri i\u00e7erisinde de\u011ferlendirilebilir. Bu t\u00fcr uluslararas\u0131 hayat sigortas\u0131 hizmetlerinin ba\u015fl\u0131ca sa\u011flay\u0131c\u0131lar\u0131 Lihten\u015ftayn, \u0130rlanda, L\u00fcksemburg ve Singapur olsa da, \u00f6ncelikli yat\u0131r\u0131mlar her zaman i\u00e7in \u0130svi\u00e7reli bir \u00f6zel bankada korunabilir.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":0,"parent":34882,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"yst_prominent_words":[],"class_list":["post-34904","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/pages\/34904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/comments?post=34904"}],"version-history":[{"count":3,"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/pages\/34904\/revisions"}],"predecessor-version":[{"id":34910,"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/pages\/34904\/revisions\/34910"}],"up":[{"embeddable":true,"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/pages\/34882"}],"wp:attachment":[{"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/media?parent=34904"}],"wp:term":[{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/swiss-banking-lawyers.com\/tr\/wp-json\/wp\/v2\/yst_prominent_words?post=34904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\u00d6zel plasman uluslararas\u0131 hayat sigortas\u0131 \u00e7\u00f6z\u00fcm\u00fc nas\u0131l i\u015fler?<\/h2>\n
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Uluslararas\u0131 hayat sigortas\u0131 \u015firketi ve \u00e7oklu aile ofisiniz<\/a> ile birlikte, risk profilinize g\u00f6re bir yat\u0131r\u0131m stratejisi se\u00e7ersiniz ve banka bu hesab\u0131 sigorta \u015firketi ad\u0131na y\u00f6netir; buna alternatif olarak, \u00e7oklu aile ofisini t\u00fcm yat\u0131r\u0131m kararlar\u0131ndan sorumlu varl\u0131k y\u00f6neticisi olarak da atayabilirsiniz.Bu andan itibaren, uluslararas\u0131 hayat sigortas\u0131 \u015firketi art\u0131k yat\u0131r\u0131m yap\u0131labilir varl\u0131klar\u0131n yasal sahibi oldu\u011fundan, yat\u0131r\u0131mlar\u0131n performans\u0131ndan bir hak sahibi olarak sadece dolayl\u0131 olarak yararlan\u0131rs\u0131n\u0131z. Aktar\u0131m sonucunda, yat\u0131r\u0131labilir varl\u0131klar art\u0131k sizin varl\u0131klar\u0131n\u0131z olarak g\u00f6r\u00fclmez ve uluslararas\u0131 hayat sigortas\u0131 size \u00f6deme yapt\u0131\u011f\u0131nda (yani vergi \u00f6demesi ertelendi\u011finde)* sadece poli\u00e7enin getirileri (yani yat\u0131r\u0131mlar) i\u00e7in gelir vergisi \u00f6demeniz gerekir. Pek \u00e7ok \u00fclkede (\u00e7o\u011funlukla Avrupa’da), varl\u0131k vergisi muafiyeti ve hayat\u0131n\u0131z s\u00fcresince yapt\u0131\u011f\u0131n\u0131z \u00f6demelerde daha d\u00fc\u015f\u00fck vergi oranlar\u0131 gibi ba\u015fka vergi avantajlar\u0131 da vard\u0131r ve vefat h\u00e2linde poli\u00e7enin de\u011feri \u00fczerinden miras vergisi uygulanmaz.\n\u00d6zel plasman uluslararas\u0131 hayat sigortas\u0131 g\u00fc\u00e7l\u00fc ve uyumlu servet korumas\u0131 sunar<\/h2>\n
Sadece yat\u0131r\u0131m portfolyolar\u0131 i\u00e7in bir \u00e7\u00f6z\u00fcm de\u011fil<\/h2>\n