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BNZ BNP PARİBAS CARDİF EMEKLİLİK A.Ş. OKS KATILIM STANDART EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Oks Katılım Standart Risk 5/7
 
 
 
+1.63% past month
Summary

BNZ primarily holds kamu kira sertifikası (tl) and is a high-risk fund (5/7). Over the past year it returned 35.3%; 2.44% above official inflation. With an annual 0.85% management fee, it trades in the Oks Katılım Standart Fon category. Launched in 2018, it manages 463M ₺ in assets across 119,002 investors. (Average position: ~3.9K ₺)

Risk 5/7
NOMINAL RETURN · 1Y
+35.3%
CPI 32.1%
USD 16.9%

Real +2.44% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
463M ₺
Total portfolio value
Net Flow
+173M ₺
monthly net in/out
Management Fee
0.85%
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.
KKS (TL)68.0%HS18.2%GSYF KP6.22%
  • Kamu Kira Sertifikası (TL) 68.0%
  • Hisse Senedi 18.2%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 6.22%
  • Yatırım Fonu Katılma Payı 5.64%
  • Gayrimenkul Yatırım Fonu Katılma Payı 1.78%
  • BİST Taahhütlü İşlem Pazarı (Satım) 0.17%
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 +1.63%
3 Months +5.78%
6 Months +14.0%
YTD +20.9%
1 Year +35.3%
3 Years +125%
5 Years +488%
Holdings
  • Kamu Kira Sertifikası (TL) 68.0%
  • Hisse Senedi 18.2%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 6.22%

🎯 Declared Strategy

Investment objective / strategy

Rehber'in 3.7.2. OKS Standart Fonlara ilişkin esaslar maddesinde belirtilen yatırım stratejisine uygun olarak, Yönetmelik ve Rehber'de belirtilen sınırlamalar çerçevesinde fon portföyü yatırıma yönlendirilir. Fon portföyüne ihraçcının/kurucunun icazet aldığı sermaye piyasası araçları dahil edilecektir.

📋 Profile

ISIN code TRYDHEM00243
Founder BNP PARIBAS CARDIF EMEKLİLİK A.Ş.
Portfolio manager firm TEB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2018-01-18
Fund term SÜRESİZ
Independent auditor DRT BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 5
Volatility (1Y) 5.05%
Max Drawdown (1Y) -2.04% (Sep 2025)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+1

📞 Contact

ContactMeclisi Mebusan Caddesi No:57 Fındıklı Beyoğlu
Tel02123193200
Faks02122524272
e-Postainfo@cardif.com.tr
Authorized contacts
Kübra Eskiçırak Fon Kurulu Üyesi
2123193200 kubra.eskicirak@cardif.com
Banu Büyükoğuz Fon Kurulu Üyesi
2123193200 banu.buyukoguz@cardif.com
Elif Bakır Bakanay Fon Denetçisi
2123193200 elif.bakirbakanay@cardif.com
Recep Balkaya Fon Müdürü
02166353943 recep.balkaya@teb.com.tr

Fund Profile

What is the BNZ fund?

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

How has the BNZ fund performed?

It returned 35.3% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +2.44%. Year to date it is 20.9%. Over 5 years it returned 488%.

What does the BNZ fund hold?

Portfolio allocation: Kamu Kira Sertifikası (TL) 68.0%, Hisse Senedi 18.2%, Girişim Sermayesi Yatırım Fonu Katılma Payı 6.22%.

What does the BNZ fund cost?

The annual management fee is 0.85%. Its total expense ratio is 1.09%.

How much withholding tax does the BNZ 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.