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BPH BNP PARİBAS CARDİF EMEKLİLİK A.Ş. HİSSE SENEDİ EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Hisse Senedi Yoğun Risk 7/7
 
 
 
-4.01% past month
Summary

BPH primarily holds hisse senedi and is a high-risk fund (7/7). Over the past year it returned 18.5%; 10.3% below official inflation. With an annual 2.08% management fee, it trades in the Hisse Senedi Fonu category. Launched in 2003, it manages 4.2B ₺ in assets across 53,214 investors. (Average position: ~78.7K ₺)

Risk 7/7
NOMINAL RETURN · 1Y
+18.5%
CPI 32.1%
USD 16.9%

Real -10.3% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
4.2B ₺
Total portfolio value
Net Flow
-19.5M ₺
monthly net in/out
Management Fee
2.08%
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.
HS97.5%
  • Hisse Senedi 97.5%
  • Vadeli İşlemler Nakit Teminatı 1.09%
  • Yatırım Fonu Katılma Payı 0.95%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 0.24%
  • Takasbank Para Piyasası 0.22%
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 -4.01%
3 Months -5.82%
6 Months +3.27%
YTD +18.1%
1 Year +18.5%
3 Years +156%
5 Years +1,438%
Holdings
  • Hisse Senedi 97.5%
  • Vadeli İşlemler Nakit Teminatı 1.09%
  • Yatırım Fonu Katılma Payı 0.95%

🎯 Declared Strategy

Comparison benchmark: %90 BIST 100 GETIRI + %10 BIST-KYD REPO (BRUT)

📋 Profile

ISIN code TRYDHEM00045
Founder BNP PARIBAS CARDIF EMEKLİLİK A.Ş.
Portfolio manager firm TEB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2003-12-01
Fund term Süresiz
Independent auditor DRT BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 7
Volatility (1Y) 24.5%
Max Drawdown (1Y) -14.7% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 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 BPH fund?

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

How has the BPH fund performed?

It returned 18.5% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -10.3%. Year to date it is 18.1%. Over 5 years it returned 1,438%.

What does the BPH fund hold?

Portfolio allocation: Hisse Senedi 97.5%, Vadeli İşlemler Nakit Teminatı 1.09%, Yatırım Fonu Katılma Payı 0.95%.

What does the BPH fund cost?

The annual management fee is 2.08%. Its total expense ratio is 2.28%.

How much withholding tax does the BPH 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.