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BZY BNP PARİBAS CARDİF EMEKLİLİK A.Ş. TEKNOLOJİ SEKTÖRÜ DEĞİŞKEN EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Değişken Risk 6/7
 
 
 
-6.93% past month
Summary

BZY primarily holds hisse senedi and is a high-risk fund (6/7). Over the past year it returned 64.9%; 24.8% above official inflation. With an annual 2.19% management fee, it trades in the Değişken Fon category. Launched in 2022, it manages 2.8B ₺ in assets across 25,800 investors. (Average position: ~110K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+64.9%
CPI 32.1%
USD 16.9%

Real +24.8% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
2.8B ₺
Total portfolio value
Net Flow
+414M ₺
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.
HS47.7%YHS26.0%YFKP14.6%YBYF10.3%
  • Hisse Senedi 47.7%
  • Yabancı Hisse Senedi 26.0%
  • Yatırım Fonu Katılma Payı 14.6%
  • Yabancı Borsa Yatırım Fonu 10.3%
  • Vadeli İşlemler Nakit Teminatı 1.35%
  • Takasbank Para Piyasası 0.04%
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 -6.93%
3 Months +15.7%
6 Months +37.4%
YTD +46.5%
1 Year +64.9%
3 Years +267%
Holdings
  • Hisse Senedi 47.7%
  • Yabancı Hisse Senedi 26.0%
  • Yatırım Fonu Katılma Payı 14.6%

🎯 Declared Strategy

Comparison benchmark: %55 NASDAQ 100 TECHNOLOGY SECTOR TOTAL RETURN INDEX (NTTR) + %35 BIST TEKNOLOJI AGIRLIK SINIRLAMALI GETIRI + %10 BIST-KYD REPO (BRUT)
Investment objective / strategy

Fon portföy değerinin devamlı olarak asgari %80'i teknoloji sektöründe faaliyet gösteren yerli ve/veya yabancı şirketlerin ihraç ettikleri yerli/yabancı ortaklık paylarına, Amerikan depo sertifikalarına, global depo sretifikalarına ve/veya yerli/yabancı borçlanma araçlarına yatırım yaparak yatırımcıların bu şirketlerin büyüme olanaklarına, kazançlarına ve değer artışlarına iştirak etmesini sağlamaktır.

📋 Profile

ISIN code TRYDHEM00268
Founder BNP PARIBAS CARDIF EMEKLİLİK A.Ş.
Portfolio manager firm TEB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2022-01-03
Fund term Süresiz
Independent auditor DRT BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 6
Volatility (1Y) 16.4%
Max Drawdown (1Y) -8.30% (Jul 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+3

📞 Contact

ContactMeclisi Mebusan Cad. no:57 Beyoğlu/İstanbul
Tel02123193200
e-Postatr_fon@cardif.com
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 BZY fund?

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

How has the BZY fund performed?

It returned 64.9% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +24.8%. Year to date it is 46.5%. Over 3 years it returned 267%.

What does the BZY fund hold?

Portfolio allocation: Hisse Senedi 47.7%, Yabancı Hisse Senedi 26.0%, Yatırım Fonu Katılma Payı 14.6%.

What does the BZY fund cost?

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

How much withholding tax does the BZY 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.