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BNK BNP PARİBAS CARDİF EMEKLİLİK A.Ş. KATKI EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Devlet Katkısı
 
 
 
-1.90% past month
Summary

BNK primarily holds devlet tahvili. Over the past year it returned 29.5%; 1.99% below official inflation. With an annual 0.36% management fee, it trades in the Devlet Katkısı Fonu category. Launched in 2013, it manages 4.5B ₺ in assets across 346,484 investors. (Average position: ~13.1K ₺)

NOMINAL RETURN · 1Y
+29.5%
CPI 32.1%
USD 16.9%

Real -1.99% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
4.5B ₺
Total portfolio value
Net Flow
-14.9M ₺
monthly net in/out
Management Fee
0.36%
Charged from the fund whether you gain or lose.
Max Expense Ratio
0.37%
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.
DT53.4%HS25.4%BYF KP20.0%
  • Devlet Tahvili 53.4%
  • Hisse Senedi 25.4%
  • BYF Katılma Payı 20.0%
  • Mevduat (TL) 1.03%
  • Özel Sektör Tahvili 0.20%
  • Kamu Kira Sertifikası (TL) 0.01%
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 -1.90%
3 Months +0.50%
6 Months +8.42%
YTD +16.1%
1 Year +29.5%
3 Years +136%
5 Years +445%
Holdings
  • Devlet Tahvili 53.4%
  • Hisse Senedi 25.4%
  • BYF Katılma Payı 20.0%

🎯 Declared Strategy

Comparison benchmark: %30 BIST-KYD DIBS UZUN + %5 BIST-KYD 1 AYLIK MEVDUAT TL + %20 BIST 100 GETIRI + %30 BIST-KYD DIBS ORTA + %15 BIST 30 GETIRI

📋 Profile

ISIN code TRYDHEM00128
Founder BNP PARIBAS CARDIF EMEKLİLİK A.Ş.
Portfolio manager firm TEB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2013-05-02
Fund term Süresiz
Independent auditor DRT BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 6
Volatility (1Y) 12.5%
Max Drawdown (1Y) -7.53% (Mar 2026)

📞 Contact

ContactMeclisi Mebusan Caddesi NO:57 Fındıklı 34427 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 BNK fund?

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

How has the BNK fund performed?

It returned 29.5% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -1.99%. Year to date it is 16.1%. Over 5 years it returned 445%.

What does the BNK fund hold?

Portfolio allocation: Devlet Tahvili 53.4%, Hisse Senedi 25.4%, BYF Katılma Payı 20.0%.

What does the BNK fund cost?

The annual management fee is 0.36%. Its total expense ratio is 0.37%.

How much withholding tax does the BNK 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.