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BNB BNP PARİBAS CARDİF EMEKLİLİK A.Ş. MUTLAK GETİRİ HEDEFLİ DEĞİŞKEN EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Değişken Risk 3/7
 
 
 
+3.05% past month
Summary

BNB primarily holds devlet tahvili and is a medium-risk fund (3/7). Over the past year it returned 48.5%; 12.4% above official inflation. With an annual 2.19% management fee, it trades in the Değişken Fon category. Launched in 2013, it manages 1.9B ₺ in assets across 44,780 investors. (Average position: ~43.2K ₺)

Risk 3/7
NOMINAL RETURN · 1Y
+48.5%
CPI 32.1%
USD 16.9%

Real +12.4% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
1.9B ₺
Total portfolio value
Net Flow
+18.3M ₺
monthly net in/out
Management Fee
2.19%
Charged from the fund whether you gain or lose.
Max Expense Ratio
2.28%
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.
DT52.8%Mevduat (TL)21.2%YFKP17.9%
  • Devlet Tahvili 52.8%
  • Mevduat (TL) 21.2%
  • Yatırım Fonu Katılma Payı 17.9%
  • Özel Sektör Tahvili 4.24%
  • Vadeli İşlemler Nakit Teminatı 3.89%
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 +3.05%
3 Months +9.19%
6 Months +20.1%
YTD +22.8%
1 Year +48.5%
3 Years +221%
5 Years +455%
Holdings
  • Devlet Tahvili 52.8%
  • Mevduat (TL) 21.2%
  • Yatırım Fonu Katılma Payı 17.9%

🎯 Declared Strategy

Investment objective / strategy

Fon portföyünün tamamı değişen piyasa koşullarına göre özel sektör ve kamu borçlanma araçları, yabancı para cinsinden kamu ve özel sektör borçlanma araçları, kira sertifikaları, Borsa İstanbul A.Ş.'ye kote Türk ortaklık payları, ters repo ve mevduattan oluşturulmaktadır. Fon portföyü uzun vadeli yatırım perspektifiyle TL mevduat getirisi üzerinde mutlak bir getiri sağlamak hedefi ile hareket eder.

📋 Profile

ISIN code TRYDHEM00102
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 3
Volatility (1Y) 1.84%
Max Drawdown (1Y) -0.58% (Aug 2025)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 Contact

ContactMeclisi Mebusan Caddesi NO:57 Fındıklı Beyoğlu 34427 İstanbul
Tel02123193200
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 BNB fund?

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

How has the BNB fund performed?

It returned 48.5% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +12.4%. Year to date it is 22.8%. Over 5 years it returned 455%.

What does the BNB fund hold?

Portfolio allocation: Devlet Tahvili 52.8%, Mevduat (TL) 21.2%, Yatırım Fonu Katılma Payı 17.9%.

What does the BNB fund cost?

The annual management fee is 2.19%. Its total expense ratio is 2.28%.

How much withholding tax does the BNB 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.