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BNA BNP PARİBAS CARDİF EMEKLİLİK A.Ş. ALTIN EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Altın Risk 6/7
 
 
 
-2.69% past month
Summary

BNA primarily holds kıymetli maden kamu kira sertifikası and is a high-risk fund (6/7). Over the past year it returned 40.6%; 6.44% above official inflation. With an annual 1.02% management fee, it trades in the Altın Fonu category. Launched in 2013, it manages 15.2B ₺ in assets across 153,455 investors. (Average position: ~98.9K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+40.6%
CPI 32.1%
USD 16.9%

Real +6.44% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
15.2B ₺
Total portfolio value
Net Flow
+420M ₺
1-year net in/out
Management Fee
1.02%
Charged from the fund whether you gain or lose.
Max Expense Ratio
1.09%
Annual cap for all expenses.
Withholding
%5–15
Varies by exit condition.
Withholding — By Exit Condition
  • 10 yıldan az kalıp ayrılma %15
  • 10 yıl+, emeklilik hakkı kazanmadan ayrılma %10
  • Emeklilik, vefat veya maluliyet nedeniyle ayrılma %5
Charged on the gain, upon exit from the system.
KM KKS53.5%KM35.8%KM BYF6.15%
  • Kıymetli Maden Kamu Kira Sertifikası 53.5%
  • Kıymetli Maden 35.8%
  • Kıymetli Maden BYF 6.15%
  • Yabancı Borsa Yatırım Fonu 2.00%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 1.26%
  • BYF Katılma Payı 1.16%
  • Diğer 0.16%
Purchasing Power
₺ TÜFE
Period
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Nominal Return · —
—
Unit-share return for the selected period. Pick a benchmark on the chart for purchasing power.
Return
1 Month -2.69%
3 Months -10.8%
6 Months -10.2%
YTD -0.16%
1 Year +40.6%
3 Years +261%
5 Years +1,208%
Holdings
  • Kıymetli Maden Kamu Kira Sertifikası 53.5%
  • Kıymetli Maden 35.8%
  • Kıymetli Maden BYF 6.15%

🎯 Declared Strategy

Comparison benchmark: %95 BIST-KYD ALTIN FIYAT AGIRLIKLI ORTALAMA + %5 BIST-KYD KAMU KIRA SERTIFIKALARI
Investment objective / strategy

Fon portföyünün asgari %80'i devamlı olarak olarak altın ve altına dayalı finansal araçlar ile değerlendirilecektir. Fon, altın fiyatlarında oluşacak değişimleri yatırımcısına yüksek oranda yansıtmayı amaçlamaktadır. Altına ve değerli madenlere yatırım yapmak suretiyle altın fiyatları açısından dengeli ve sürekli gelir akımı yaratmayı hedeflemektedir.

📋 Profile

ISIN code TRYDHEM00136
Founder BNP PARIBAS CARDIF EMEKLİLİK A.Ş.
Portfolio manager firm TEB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2013-04-30
Fund term Süresiz
Independent auditor DRT BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 6
Volatility (1Y) 24.7%
Max Drawdown (1Y) -24.1% (Jul 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+1

📞 Contact

ContactMeclisi Mebusan Caddes NO:57 Fındıklı Beyoğlu İstanbul
Tel2123193200
e-Postainfo@cardif.com.tr
Authorized contacts
Kübra Eskiçırak Fon Kurulu Üyesi
02123193200 kubra.eskicirak@cardif.com
Banu Büyükoğuz Fon Kurulu Üyesi
02123193200 banu.buyukoguz@cardif.com
Elif Bakır Bakanay Fon Denetçisi
02123193200 elif.bakirbakanay@cardif.com
Recep Balkaya Fon Müdürü
02166353943 recep.balkaya@teb.com.tr

Fund Profile

What is the BNA fund?

BNA is a pension fund managed by BNP Paribas Cardif Emeklilik. It is offered through the Turkish pension (BES) system under the code BNA, in the Altın category.

How has the BNA fund performed?

It returned 40.6% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +6.44%. Year to date it is -0.16%. Over 5 years it returned 1,208%.

What does the BNA fund hold?

Portfolio allocation: Kıymetli Maden Kamu Kira Sertifikası 53.5%, Kıymetli Maden 35.8%, Kıymetli Maden BYF 6.15%.

What does the BNA fund cost?

The annual management fee is 1.02%. Its total expense ratio is 1.09%.

How much withholding tax does the BNA fund carry?

Withholding is charged on the gain and ranges %5–15, depending on how you exit:

  • 10 yıldan az kalıp ayrılma %15
  • 10 yıl+, emeklilik hakkı kazanmadan ayrılma %10
  • Emeklilik, vefat veya maluliyet nedeniyle ayrılma %5

Rates are estimates; consult your tax advisor about your own situation.

Not investment advice

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1Y return
The information here is for informational purposes only and is not investment advice. Past performance does not guarantee future results. Source: TEFAS.