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BNS BNP PARİBAS CARDİF EMEKLİLİK A.Ş. STANDART EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Standart Risk 5/7
 
 
 
-0.29% past month
Summary

BNS primarily holds devlet tahvili and is a high-risk fund (5/7). Over the past year it returned 29.5%; 1.98% below official inflation. With an annual 1.88% management fee, it trades in the Standart Fon category. Launched in 2013, it manages 756M ₺ in assets across 43,160 investors. (Average position: ~17.5K ₺)

Risk 5/7
NOMINAL RETURN · 1Y
+29.5%
CPI 32.1%
USD 16.9%

Real -1.98% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
756M ₺
Total portfolio value
Net Flow
-5.0M ₺
monthly net in/out
Management Fee
1.88%
Charged from the fund whether you gain or lose.
Max Expense Ratio
1.91%
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.
DT66.1%HS28.1%
  • Devlet Tahvili 66.1%
  • Hisse Senedi 28.1%
  • Mevduat (TL) 3.69%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 2.11%
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 -0.29%
3 Months +2.76%
6 Months +8.82%
YTD +14.7%
1 Year +29.5%
3 Years +164%
5 Years +501%
Holdings
  • Devlet Tahvili 66.1%
  • Hisse Senedi 28.1%
  • Mevduat (TL) 3.69%

🎯 Declared Strategy

Comparison benchmark: %15 BIST 100 GETIRI + %75 BIST-KYD DIBS 547 GUN + %10 BIST-KYD REPO (BRUT)

📋 Profile

ISIN code TRYDHEM00110
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 5
Volatility (1Y) 9.71%
Max Drawdown (1Y) -6.17% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+1

📞 Contact

ContactMeclisi Mebusan Caddesi 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 BNS fund?

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

How has the BNS fund performed?

It returned 29.5% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -1.98%. Year to date it is 14.7%. Over 5 years it returned 501%.

What does the BNS fund hold?

Portfolio allocation: Devlet Tahvili 66.1%, Hisse Senedi 28.1%, Mevduat (TL) 3.69%.

What does the BNS fund cost?

The annual management fee is 1.88%. Its total expense ratio is 1.91%.

How much withholding tax does the BNS 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.