{"id":47992,"date":"2026-01-10T14:48:08","date_gmt":"2026-01-10T14:48:08","guid":{"rendered":"https:\/\/haberbesiktas.tr\/?p=47992"},"modified":"2026-01-10T14:48:08","modified_gmt":"2026-01-10T14:48:08","slug":"bireysel-emeklilik-sistemi-bes-ile-varlik-yonetimi-ve-emeklilik-stratejileri","status":"publish","type":"post","link":"https:\/\/haberbesiktas.tr\/?p=47992","title":{"rendered":"Bireysel Emeklilik Sistemi (BES) ile Varl\u0131k Y\u00f6netimi ve Emeklilik Stratejileri"},"content":{"rendered":"<div>Modern hayat\u0131n getirdi\u011fi finansal belirsizlikler ve daima de\u011fi\u015fen ekonomik konjonkt\u00fcr, bireyleri g\u00fcn\u00fc kurtarmaktan \u00f6teye, gelece\u011fi in\u015fa etmeye zorluyor. \u00c7o\u011fumuz &#8220;emeklilik&#8221; kavram\u0131n\u0131 uzak bir hayal \u00fczere g\u00f6rsek de, vaktin izafi surat\u0131 i\u00e7inde faal \u00e7al\u0131\u015fma hayat\u0131m\u0131z\u0131n sonlanaca\u011f\u0131 g\u00fcn sand\u0131\u011f\u0131m\u0131zdan \u00e7ok daha yak\u0131n. O g\u00fcn geldi\u011finde, &#8220;Emekli maa\u015f\u0131m faturalar\u0131m\u0131 \u00f6demeye yetecek mi?&#8221; tasas\u0131n\u0131 ta\u015f\u0131mamak i\u00e7in at\u0131lacak en sa\u011flam ad\u0131m, bug\u00fcnden finansal bir kale in\u015fa etmektir. \u0130\u015fte Ferdi Emeklilik Sistemi (BES), bu kalenin en g\u00fc\u00e7l\u00fc harc\u0131d\u0131r. Pekala, BES yaln\u0131zca kenara para atmaktan ibaret kolay bir kumbara m\u0131d\u0131r? Yoksa devletin sundu\u011fu e\u015fsiz te\u015fviklerle desteklenen, devasa bir yat\u0131r\u0131m ekosistemi mi? Bu rehberde, BES&#8217;in g\u00f6r\u00fcnmeyen y\u00fcz\u00fcn\u00fc, BES devlet katk\u0131s\u0131 d\u0131\u015f\u0131ndaki ger\u00e7ek \u00e7\u0131kar dinamiklerini ve emeklilik devrinde finansal \u00f6zg\u00fcrl\u00fc\u011fe ula\u015fman\u0131n stratejik yol haritas\u0131n\u0131 en ince ayr\u0131nt\u0131s\u0131na kadar masaya yat\u0131r\u0131yoruz.<\/p>\n<p><b><strong>BES Nedir? Bir Tasarruf Hesab\u0131ndan \u00c7ok Daha Fazlas\u0131<\/strong><\/b><\/p>\n<p> <strong>Bireysel Emeklili\u011fi<\/strong> yanl\u0131\u015fs\u0131z anlamak, ondan faydalanman\u0131n birinci kural\u0131d\u0131r. BES, kamu toplumsal g\u00fcvenlik sisteminin (SGK) yerini almak \u00fczere de\u011fil, onun sa\u011flayaca\u011f\u0131 geliri desteklemek ve emeklilikteki refah d\u00fczeyinizi korumak \u00fczere kurgulanm\u0131\u015f, Hazine ve Maliye Bakanl\u0131\u011f\u0131 ile SPK denetiminde i\u015fleyen \u00f6zel bir yat\u0131r\u0131m sistemidir.<\/p>\n<p> Sistemin \u00e7al\u0131\u015fma prensibi, \u015feffafl\u0131k ve inan\u00e7 \u00fczerine konseyidir. Siz bir emeklilik \u015firketiyle kontrat imzalars\u0131n\u0131z, fakat yat\u0131rd\u0131\u011f\u0131n\u0131z paralar \u015firketin kasas\u0131na girmez. Katk\u0131 hisseleriniz, devletin resmi saklama kurumu olan Takasbank nezdinde, b\u00fcsb\u00fct\u00fcn sizin isminize a\u00e7\u0131lm\u0131\u015f hesaplarda tutulur. Bu durum, emeklilik \u015firketi iflas etse dahi paran\u0131z\u0131n devlet teminat\u0131 alt\u0131nda kalmas\u0131n\u0131 sa\u011flar. Ayr\u0131yeten, BES statik bir hesap de\u011fildir; paran\u0131z\u0131n iktisada kazand\u0131r\u0131ld\u0131\u011f\u0131 ve profesyonel fon y\u00f6neticileri taraf\u0131ndan sermaye piyasalar\u0131nda (alt\u0131n, borsa, faiz vb.) i\u015fletildi\u011fi canl\u0131 bir organizmad\u0131r. <\/p>\n<p><b><strong>BES Devlet Katk\u0131s\u0131n\u0131n \u00d6tesi: Sistemin Ger\u00e7ek Motoru &#8220;Yat\u0131r\u0131m Fonlar\u0131&#8221;<\/strong><\/b><\/p>\n<p> Sisteme yeni giren i\u015ftirak\u00e7ilerin birden fazla, %20 devlet katk\u0131s\u0131 oran\u0131na odaklan\u0131r. Elbette, yat\u0131rd\u0131\u011f\u0131n\u0131z her 1.000 TL i\u00e7in devletin size kar\u015f\u0131l\u0131ks\u0131z olarak 200 TL vermesi, d\u00fcnyada e\u015fi gibisi g\u00fc\u00e7 bulunan bir &#8220;ho\u015f geldin bonusu&#8221;dur. Fakat, finansal bir perspektifle bak\u0131ld\u0131\u011f\u0131nda, 10, 20 yahut 30 y\u0131ll\u0131k bir vadede sizi zenginle\u015ftirecek as\u0131l g\u00fc\u00e7, devlet katk\u0131s\u0131 de\u011fil, yat\u0131r\u0131m fonlar\u0131n\u0131n performans\u0131 ve bile\u015fik getirinin g\u00fcc\u00fcd\u00fcr.<\/p>\n<p> Devlet katk\u0131s\u0131, arac\u0131n\u0131z\u0131n &#8220;turbo motoru&#8221; ise, yat\u0131r\u0131m fonlar\u0131 arac\u0131n kendisidir.<\/p>\n<ul>\n<li><strong>Enflasyon Kalkan\u0131:<\/strong> Paran\u0131z TL olarak beklemez. Siz uyurken paran\u0131z; New York borsas\u0131ndaki teknoloji paylar\u0131nda, Kapal\u0131\u00e7ar\u015f\u0131&#8217;daki alt\u0131nda yahut devletin ihra\u00e7 etti\u011fi Eurobond&#8217;larda k\u0131ymetlenir. Bu \u00e7e\u015fitlilik, birikiminizin enflasyon canavar\u0131 kar\u015f\u0131s\u0131nda erimesini p\u00fcr\u00fczler.<\/li>\n<li><strong>Bile\u015fik Getirinin Sihri:<\/strong> Albert Einstein&#8217;\u0131n &#8220;d\u00fcnyan\u0131n sekizinci harikas\u0131&#8221; dedi\u011fi bile\u015fik getiri, BES&#8217;in kalbidir. Elde etti\u011finiz kar\u0131n da tekrar yat\u0131r\u0131ma d\u00f6n\u00fc\u015ferek kar getirmesi prensibiyle, y\u0131llar i\u00e7inde ana paran\u0131z aritmetik de\u011fil, geometrik olarak b\u00fcy\u00fcr. Uzun vadede kartopu \u00e7\u0131\u011fa d\u00f6n\u00fc\u015f\u00fcr.<\/li>\n<\/ul>\n<p><b><strong>Yat\u0131r\u0131mc\u0131 Profilinize Nazaran Strateji: Hangi Fon Sizin \u0130\u00e7in?<\/strong><\/b><\/p>\n<p> BES&#8217;te &#8220;herkese uyan tek beden&#8221; bir yakla\u015f\u0131m yoktur. Sisteme girdi\u011finizde size otomatik atanan standart fonlarda kalmak, Ferrari&#8217;yi birinci viteste kullanmaya emsal. Getiri potansiyelini a\u00e7\u0131\u011fa \u00e7\u0131karmak i\u00e7in &#8220;Risk Alg\u0131s\u0131&#8221; ve &#8220;Yat\u0131r\u0131m Vadesi&#8221;ne nazaran durum almal\u0131s\u0131n\u0131z. \u0130\u015fte \u00fc\u00e7 farkl\u0131 yat\u0131r\u0131mc\u0131 profili i\u00e7in yol haritas\u0131:<\/p>\n<ol>\n<li><strong>Gen\u00e7 ve Agresif Yat\u0131r\u0131mc\u0131lar (H\u00fccum Hatt\u0131):<\/strong> Emeklili\u011finize 15-20 y\u0131ldan fazla varsa, piyasadaki k\u0131sa vadeli d\u00fc\u015f\u00fc\u015fler sizin i\u00e7in risk de\u011fil, al\u0131m f\u0131rsat\u0131d\u0131r. Bu devirde portf\u00f6y\u00fcn\u00fczde %70-80 oran\u0131nda pay senedi ve de\u011fi\u015fken fonlar bulundurmak, uzun vadede enflasyonun katbekat \u00fczerinde ger\u00e7ek getiri sa\u011flaman\u0131n anahtar\u0131d\u0131r.<\/li>\n<li><strong>Orta Ya\u015f ve \u0130stikrarl\u0131 Yat\u0131r\u0131mc\u0131lar (Orta Saha):<\/strong> Emeklili\u011fe 10 y\u0131l civar\u0131 kald\u0131ysa, hem kazanmak hem de korumak istersiniz. Portf\u00f6y\u00fc \u00e7e\u015fitlendirerek; bir k\u0131sm\u0131n\u0131 alt\u0131nda, bir k\u0131sm\u0131n\u0131 d\u00f6viz bazl\u0131 bor\u00e7lanma ara\u00e7lar\u0131nda, bir k\u0131sm\u0131n\u0131 da pay senedinde tutmak, piyasa \u015foklar\u0131na kar\u015f\u0131 diren\u00e7li bir b\u00fcy\u00fcme sa\u011flar.<\/li>\n<li><strong>Emeklili\u011fe Yakla\u015fanlar (Savunma Hatt\u0131):<\/strong> Emeklilik hakk\u0131na 1-2 y\u0131l kald\u0131ysa, macera arama vakti bitmi\u015ftir. O g\u00fcne kadar biriktirdi\u011finiz serveti riske atmamak i\u00e7in daha likit, para piyasas\u0131 fonlar\u0131na yahut kira sertifikalar\u0131na ge\u00e7i\u015f yaparak &#8220;hasat d\u00f6nemi&#8221; stratejisi uygulanmal\u0131d\u0131r.<\/li>\n<\/ol>\n<p> Unutmay\u0131n, BES&#8217;te y\u0131lda 12 sefer fon da\u011f\u0131l\u0131m\u0131 de\u011fi\u015fikli\u011fi yapma hakk\u0131n\u0131z vard\u0131r. Piyasa \u015fartlar\u0131na nazaran bu hakk\u0131 kullanmak, pasif bir tasarruf sahibini faal bir yat\u0131r\u0131mc\u0131ya d\u00f6n\u00fc\u015ft\u00fcr\u00fcr.<\/p>\n<p><b><strong>Hayat\u0131n S\u00fcrprizlerine Kar\u015f\u0131 Esneklik: Orta Verme ve Para \u00c7ekme<\/strong><\/b><\/p>\n<p> <strong>BES<\/strong>, i\u015ftirak\u00e7iyi sisteme hapseden kat\u0131 bir yap\u0131 de\u011fildir. Hayat\u0131n do\u011fal ak\u0131\u015f\u0131nda kar\u015f\u0131la\u015fabilece\u011finiz nakit s\u0131k\u0131\u015f\u0131kl\u0131klar\u0131 yahut b\u00fcy\u00fck harcamalar i\u00e7in sistem kendi i\u00e7inde &#8220;emniyet s\u00fcbaplar\u0131&#8221; bar\u0131nd\u0131r\u0131r.<\/p>\n<ul>\n<li><strong>\u00d6demelere Mola (Ara Verme):<\/strong> \u0130\u015fsiz kalabilir yahut b\u00fct\u00e7enizi zorlayan bir periyottan ge\u00e7ebilirsiniz. Bu t\u00fcrl\u00fc durumlarda mukavelenizi iptal edip birikimlerinizi yakmak yerine, \u00f6demelerinizi dondurabilirsiniz. Siz \u00f6deme yapmasan\u0131z bile i\u00e7erideki paran\u0131z fonlarda de\u011ferlenmeye devam eder ve sistemdeki k\u0131dem m\u00fcddetiniz i\u015flemeyi s\u00fcrd\u00fcr\u00fcr.<\/li>\n<li><strong>K\u0131smi \u00c7eki\u015f Hakk\u0131 (Likidite):<\/strong> Yak\u0131n vakitte yap\u0131lan yasal d\u00fczenlemelerle birlikte BES, i\u015ftirak\u00e7inin nakit muhta\u00e7l\u0131\u011f\u0131na tahlil sunan bir yap\u0131ya kavu\u015ftu. Evlilik, konut al\u0131m\u0131 \u00fczere hayati ehemmiyet ta\u015f\u0131yan durumlarda yahut e\u011fitim masraflar\u0131 i\u00e7in, sistemden b\u00fcsb\u00fct\u00fcn \u00e7\u0131kmadan (yani devlet katk\u0131s\u0131 hak edi\u015finizi yakmadan) birikiminizin makul bir k\u0131sm\u0131n\u0131 alma hakk\u0131n\u0131z bulunmaktad\u0131r.<\/li>\n<li><strong>Sistemden \u00c7\u0131k\u0131\u015f Uyar\u0131s\u0131:<\/strong> \u015eayet bu \u00f6zel durumlar haricinde sistemden b\u00fcsb\u00fct\u00fcn \u00e7\u0131kmak (fesih) isterseniz; devlet katk\u0131s\u0131n\u0131n hak etmedi\u011finiz k\u0131sm\u0131ndan vazge\u00e7mi\u015f olursunuz ve anapara harici getiriniz \u00fczerinden stopaj kesintisi yap\u0131l\u0131r. Bu, en son ba\u015fvurulacak se\u00e7enek olmal\u0131d\u0131r.<\/li>\n<\/ul>\n<p><b><strong>Emeklilik Periyodu: Hasat Vakti Geldi\u011finde Se\u00e7enekleriniz<\/strong><\/b><\/p>\n<p> Y\u0131llarca s\u00fcren disiplinli \u00f6demeler, fon takipleri ve sab\u0131r&#8230; 56 ya\u015f\u0131n\u0131 doldurup sistemde 10 y\u0131l\u0131 tamamlad\u0131\u011f\u0131n\u0131zda, art\u0131k meyveleri toplama vaktidir. Pekala, bu birikimi nas\u0131l alacaks\u0131n\u0131z?<\/p>\n<ol>\n<li><strong>Toplu Para \u00d6demesi:<\/strong> Birikiminizin tamam\u0131n\u0131 (anapara + getiri + devlet katk\u0131s\u0131) tek seferde \u00e7ekebilirsiniz. Bu se\u00e7enek, emeklilikte bir i\u015f kurmak, gayrimenkul almak yahut bor\u00e7 kapatmak isteyenler i\u00e7in caziptir. Lakin unutmay\u0131n, toplu paray\u0131 ald\u0131ktan sonra paran\u0131n idare riski b\u00fcsb\u00fct\u00fcn size ge\u00e7er.<\/li>\n<li><strong>Programl\u0131 Geri \u00d6deme (Emeklilik Maa\u015f\u0131):<\/strong> Finansal konforu s\u00fcrd\u00fcrmenin en ak\u0131lc\u0131 yoludur. Emeklilik \u015firketiyle anla\u015farak, birikiminizin size &#8220;maa\u015f&#8221; \u00fczere \u00f6denmesini talep edebilirsiniz. \u00d6rne\u011fin; &#8220;Bana 15 y\u0131l boyunca ayda \u015fu kadar \u00f6de&#8221; diyebilirsiniz. Bu modelin en b\u00fcy\u00fck avantaj\u0131, i\u00e7eride kalan paran\u0131z\u0131n fonlarda de\u011ferlenmeye devam etmesidir. Yani siz harcarken, kalan paran\u0131z \u00e7al\u0131\u015fmay\u0131 s\u00fcrd\u00fcr\u00fcr.<\/li>\n<\/ol>\n<p><b><strong>BES&#8217;te Muvaffakiyetin S\u0131rr\u0131<\/strong><\/b><\/p>\n<p> Yaln\u0131zca otomatik \u00f6deme talimat\u0131 verip kenara \u00e7ekilmek, BES&#8217;ten elde edece\u011finiz rand\u0131man\u0131 sonlar. \u0130\u015fte birikimlerinizi azam\u00ee d\u00fczeye \u00e7\u0131karacak alt\u0131n k\u0131ymetinde stratejiler:<\/p>\n<p><b><strong>1. BEFAS ile Hudutlar\u0131 Kald\u0131r\u0131n<\/strong><\/b><\/p>\n<p> Birden fazla i\u015ftirak\u00e7i, yaln\u0131zca kendi emeklilik \u015firketinin fonlar\u0131na mahkum oldu\u011funu san\u0131r. Halbuki BEFAS (Bireysel Emeklilik Fon Al\u0131m Sat\u0131m Platformu), size bir &#8220;fon s\u00fcpermarketi&#8221; sunar. \u015eayet \u015firketinizin alt\u0131n fonu piyasa ortalamas\u0131n\u0131n alt\u0131nda getiri sa\u011fl\u0131yorsa, BEFAS \u00fczerinden \u00f6teki bir \u015firketin \u00e7ok daha ba\u015far\u0131l\u0131 y\u00f6netilen fonunu sat\u0131n alabilirsiniz. Rekabetin g\u00fcc\u00fcn\u00fc lehinize kullan\u0131n.<\/p>\n<p><b><strong>2. Devlet Katk\u0131s\u0131n\u0131 &#8220;Full&#8221;leyin<\/strong><\/b><\/p>\n<p> Devlet, her y\u0131l br\u00fct taban fiyat\u0131n toplam fiyat\u0131na kadar olan \u00f6demeleriniz i\u00e7in %20 katk\u0131 sa\u011flar. Y\u0131l sonlar\u0131nda E-Devlet \u00fczerinden limitinizi denetim edin. \u015eayet b\u00fct\u00e7eniz elveriyorsa, eksik kalan k\u0131sm\u0131 toplu \u00f6deme ile tamamlayarak devletin sundu\u011fu o &#8220;bedava paray\u0131&#8221; masada b\u0131rakmay\u0131n. Limiti a\u015fsan\u0131z bile \u00fcz\u00fclmeyin; yeni &#8220;devir&#8221; sistemi sayesinde a\u015fan k\u0131s\u0131m gelecek y\u0131l\u0131n limitinden say\u0131larak katk\u0131 almaya devam eder.<\/p>\n<p><b><strong>3. Piyasa Psikolojisi ve Maliyet Ortalamas\u0131<\/strong><\/b><\/p>\n<p> Borsalar d\u00fc\u015febilir, alt\u0131n fiyatlar\u0131 gerileyebilir. Bu \u00fczere durumlarda pani\u011fe kap\u0131l\u0131p sistemden \u00e7\u0131kmak, yap\u0131labilecek en b\u00fcy\u00fck kusurdur. Bilakis, piyasalar d\u00fc\u015ft\u00fc\u011f\u00fcnde, ayl\u0131k sabit \u00f6demenizle &#8220;daha fazla fon pay\u0131&#8221; (lot) al\u0131rs\u0131n\u0131z. Bu, maliyetinizi a\u015fa\u011f\u0131 \u00e7eker ve piyasa y\u00fckseldi\u011finde kar marj\u0131n\u0131z\u0131 art\u0131r\u0131r. BES bir 100 metre ko\u015fusu de\u011fil, bir maratondur; sab\u0131r en b\u00fcy\u00fck sermayenizdir.<\/p>\n<p><b><strong>4. Dijital Zeka: Robo-Dan\u0131\u015fmanlar<\/strong><\/b><\/p>\n<p> Finansal piyasalar\u0131 takip edecek vaktiniz yoksa, teknolojiden faydalan\u0131n. Art\u0131k pek \u00e7ok emeklilik \u015firketi, yapay zeka takviyeli &#8220;Fon Robotlar\u0131&#8221; sunuyor. Risk profilinizi tan\u0131mlad\u0131\u011f\u0131n\u0131zda, bu robotlar piyasa \u015fartlar\u0131na nazaran fon da\u011f\u0131l\u0131m\u0131n\u0131z\u0131 otomatik olarak g\u00fcnceller ve optimize eder.<\/p>\n<p><b><strong>\u00d6zg\u00fcrl\u00fc\u011f\u00fcn\u00fcz\u00fc Bug\u00fcnden Tasarlay\u0131n<\/strong><\/b><\/p>\n<p> \u00d6zetle; <strong>Bireysel Emeklilik Sistemi<\/strong>, \u00e7a\u011fda\u015f \u00e7a\u011f\u0131n en sofistike tasarruf ve yat\u0131r\u0131m ara\u00e7lar\u0131ndan biridir. Gerek BES para \u00e7ekme konusundaki yeni esneklikler, gerekse de BES devlet katk\u0131s\u0131 ile sa\u011flanan direkt sermaye takviyesi, sistemi rakipsiz k\u0131lmaktad\u0131r. Bug\u00fcn kahvenizden, l\u00fcks\u00fcn\u00fczden yahut keyfinizden k\u0131sarak ay\u0131raca\u011f\u0131n\u0131z o &#8220;k\u00fc\u00e7\u00fck&#8221; fiyat, bile\u015fik getiri ve devlet dayana\u011f\u0131yla y\u0131llar sonra size &#8220;b\u00fcy\u00fck&#8221; bir finansal \u00f6zg\u00fcrl\u00fck olarak geri d\u00f6necektir.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00dclkemizin de\u011ferli yat\u0131r\u0131mlar\u0131ndan biri olan Ki\u015fisel Emeklilik Sistemi (BES) nedir? Devlet Katk\u0131s\u0131n\u0131n \u00d6tesinde Ferd\u00ee Emeklilikle Finansal \u00d6zg\u00fcrl\u00fc\u011f\u00fcn Yol Haritas\u0131 ve daha fazlas\u0131n\u0131 bu haberde bulabilirsiniz.<\/p>\n","protected":false},"author":1,"featured_media":47993,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[3654,3653,2088,157,1504],"class_list":["post-47992","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-basketbol","tag-bes","tag-fon","tag-odeme","tag-para","tag-yatirim"],"_links":{"self":[{"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=\/wp\/v2\/posts\/47992","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=47992"}],"version-history":[{"count":1,"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=\/wp\/v2\/posts\/47992\/revisions"}],"predecessor-version":[{"id":47994,"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=\/wp\/v2\/posts\/47992\/revisions\/47994"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=\/wp\/v2\/media\/47993"}],"wp:attachment":[{"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=47992"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=47992"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberbesiktas.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=47992"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}