{"id":38744,"date":"2026-04-25T18:21:46","date_gmt":"2026-04-25T17:21:46","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=38744"},"modified":"2026-04-25T18:25:01","modified_gmt":"2026-04-25T17:25:01","slug":"birlesik-krallikta-emeklilik-birikimlerine-miras-vergisi-darbesi","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/birlesik-krallikta-emeklilik-birikimlerine-miras-vergisi-darbesi\/","title":{"rendered":"Birle\u015fik Krall\u0131k\u2019ta emeklilik birikimlerine miras vergisi darbesi"},"content":{"rendered":"<div id=\"model-response-message-contentr_3fc435f52d7cdb0d\" class=\"markdown markdown-main-panel stronger enable-updated-hr-color\" dir=\"ltr\" aria-live=\"polite\" aria-busy=\"false\">\n<p data-path-to-node=\"2\">Birle\u015fik Krall\u0131k h\u00fck\u00fcmeti, emeklilik birikimlerini do\u011frudan etkileyecek yeni bir d\u00fczenlemeye haz\u0131rlan\u0131yor. Maliye Bakan\u0131 <b data-path-to-node=\"2\" data-index-in-node=\"121\">Rachel Reeves<\/b> taraf\u0131ndan a\u00e7\u0131klanan karara g\u00f6re, bug\u00fcne kadar vergi d\u0131\u015f\u0131 tutulan &#8220;kullan\u0131lmayan emeklilik fonlar\u0131&#8221; art\u0131k miras vergisi (IHT) kapsam\u0131na al\u0131nacak.<\/p>\n<p data-path-to-node=\"3\">The Guardian&#8217;\u0131n haberine g\u00f6re eonomi y\u00f6netiminin bu hamlesi, vergi uzmanlar\u0131 taraf\u0131ndan &#8220;emeklilik fonlar\u0131na y\u00f6nelik bir miras vergisi bask\u0131n\u0131&#8221; olarak nitelendiriliyor. <b data-path-to-node=\"3\" data-index-in-node=\"140\">Forvis Mazars<\/b> muhasebe firmas\u0131 orta\u011f\u0131 Nicholas Nesbitt, ailelerin \u015fimdiden strateji de\u011fi\u015ftirmeye ba\u015flad\u0131\u011f\u0131n\u0131 ve vergi faturas\u0131n\u0131 d\u00fc\u015f\u00fcrmek i\u00e7in harcamalar\u0131n\u0131 art\u0131rd\u0131\u011f\u0131n\u0131 belirtiyor.<\/p>\n<h4 data-path-to-node=\"4\"><b data-path-to-node=\"4\" data-index-in-node=\"0\">Nisan 2027\u2019de yeni d\u00f6nem ba\u015fl\u0131yor<\/b><\/h4>\n<p data-path-to-node=\"5\">Mevcut kurallara g\u00f6re emeklilik birikimleri ki\u015finin miras\u0131n\u0131n bir par\u00e7as\u0131 say\u0131lm\u0131yor. Ancak <b data-path-to-node=\"5\" data-index-in-node=\"92\">Nisan 2027<\/b> itibar\u0131yla, vefattan sonra kalan fonlar y\u00fczde 40 oran\u0131ndaki standart miras vergisi a\u011f\u0131na tak\u0131lacak. Bu kural, \u00e7o\u011fu i\u015f yeri emeklili\u011fini ve t\u00fcm \u00f6zel emeklilik paketlerini kaps\u0131yor.<\/p><div id=\"briti-1385936081\" class=\"briti-icerik\" style=\"margin-top: 5px;margin-bottom: 5px;\"><a href=\"https:\/\/piaryum.com\/services\/\" aria-label=\"piaryum banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/Gemini_Generated_Image_g5yqr1g5yqr1g5yq.jpg\" alt=\"\"  width=\"2064\" height=\"1152\"   \/><\/a><\/div>\n<p data-path-to-node=\"6\">Miras vergisi, ki\u015finin toplam varl\u0131\u011f\u0131 325 bin sterlinlik e\u015fi\u011fi a\u015ft\u0131\u011f\u0131nda devreye giriyor. E\u015fler veya partnerler aras\u0131ndaki transferler vergiden muaf tutulmaya devam edecek olsa da \u00e7ocuklar ve di\u011fer miras\u00e7\u0131lar i\u00e7in b\u00fcy\u00fck vergi bor\u00e7lar\u0131 do\u011fabilecek.<\/p>\n<h4 data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"0\">Vergi y\u00fck\u00fcn\u00fc azaltman\u0131n yollar\u0131<\/b><\/h4>\n<p data-path-to-node=\"8\">Mali dan\u0131\u015fmanlar, fon sahiplerinin bu s\u00fcre\u00e7te paray\u0131 &#8220;nakde \u00e7evirerek&#8221; harcamas\u0131n\u0131 veya ba\u011f\u0131\u015flamas\u0131n\u0131 \u00f6neriyor.&nbsp;<\/p>\n<p data-path-to-node=\"9\">Bir di\u011fer se\u00e7enek ise birikmi\u015f parayla <b data-path-to-node=\"9\" data-index-in-node=\"39\">annuity<\/b> (y\u0131ll\u0131k gelir sigortas\u0131) sat\u0131n almak. Bu y\u00f6ntem, birikmi\u015f fonun b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc azalt\u0131rken ki\u015fiye \u00f6mr\u00fc boyunca garantili bir gelir sa\u011fl\u0131yor. \u00d6zellikle 2025 y\u0131l\u0131nda rekor k\u0131ran bu sat\u0131\u015flar, fonu vergi kapsam\u0131ndan \u00e7\u0131karman\u0131n etkin bir yolu olarak g\u00f6r\u00fcl\u00fcyor.<\/p>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">Ba\u011f\u0131\u015f ve hayat sigortas\u0131 d\u00f6nemi<\/b><\/h4>\n<p data-path-to-node=\"11\">Vergisiz ba\u011f\u0131\u015f s\u0131n\u0131rlar\u0131 da bu d\u00f6nemde b\u00fcy\u00fck \u00f6nem kazand\u0131. Bir ki\u015fi, her vergi y\u0131l\u0131nda toplam 3 bin sterline kadar varl\u0131\u011f\u0131 miras vergisine tak\u0131lmadan ba\u015fkas\u0131na devredebiliyor. Ayr\u0131ca, d\u00fczenli gelirden yap\u0131lan yard\u0131mlar ya\u015fam standard\u0131n\u0131 bozmad\u0131\u011f\u0131 s\u00fcrece vergiden muaf tutulabiliyor.<\/p>\n<p data-path-to-node=\"12\">Son d\u00f6nemde &#8220;t\u00fcm ya\u015fam\u0131 kapsayan hayat sigortas\u0131&#8221; sat\u0131\u015flar\u0131nda da ciddi bir art\u0131\u015f ya\u015fan\u0131yor. Bu sigortalar, vefat durumunda miras\u00e7\u0131lara \u00f6denecek nakit para ile do\u011facak vergi borcunun, aile evini satmaya gerek kalmadan \u00f6denmesini sa\u011flamay\u0131 hedefliyor.<\/p>\n<\/div>\n<div id=\"briti-3604916478\" class=\"briti-icerikten-sonra_2\" style=\"margin-top: 25px;margin-bottom: 25px;\"><a href=\"https:\/\/wa.me\/message\/NDZLLIOQT4H3O1\" aria-label=\"bytv reklam banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/bytv-reklam-banner.jpg\" alt=\"\"  width=\"2376\" height=\"1008\"   \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Birle\u015fik Krall\u0131k h\u00fck\u00fcmeti, emeklilik birikimlerini do\u011frudan etkileyecek yeni bir d\u00fczenlemeye haz\u0131rlan\u0131yor. Maliye Bakan\u0131 Rachel Reeves taraf\u0131ndan a\u00e7\u0131klanan karara g\u00f6re, bug\u00fcne kadar vergi d\u0131\u015f\u0131 tutulan &#8220;kullan\u0131lmayan emeklilik fonlar\u0131&#8221; art\u0131k miras vergisi (IHT) kapsam\u0131na al\u0131nacak. The Guardian&#8217;\u0131n haberine g\u00f6re eonomi y\u00f6netiminin bu hamlesi, vergi uzmanlar\u0131 taraf\u0131ndan &#8220;emeklilik fonlar\u0131na y\u00f6nelik bir miras vergisi bask\u0131n\u0131&#8221; olarak nitelendiriliyor. Forvis Mazars muhasebe firmas\u0131 orta\u011f\u0131 Nicholas Nesbitt, ailelerin \u015fimdiden strateji de\u011fi\u015ftirmeye ba\u015flad\u0131\u011f\u0131n\u0131 ve vergi faturas\u0131n\u0131 d\u00fc\u015f\u00fcrmek i\u00e7in harcamalar\u0131n\u0131 art\u0131rd\u0131\u011f\u0131n\u0131 belirtiyor. Nisan 2027\u2019de yeni d\u00f6nem ba\u015fl\u0131yor Mevcut kurallara g\u00f6re emeklilik birikimleri ki\u015finin miras\u0131n\u0131n bir par\u00e7as\u0131 say\u0131lm\u0131yor. Ancak Nisan 2027 itibar\u0131yla, vefattan sonra kalan fonlar y\u00fczde 40 oran\u0131ndaki standart [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":38377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-38744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/38744","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=38744"}],"version-history":[{"count":2,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/38744\/revisions"}],"predecessor-version":[{"id":38746,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/38744\/revisions\/38746"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/38377"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=38744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=38744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=38744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}