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CFB QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş. BAŞLANGIÇ EMEKLİLİK YATIRIM FONU QNB Sağlık Hayat Sigorta ve Emeklilik

Başlangıç
 
 
 
+3.32% past month
Summary

CFB primarily holds mevduat (tl). Over the past year it returned 48.9%; 12.7% above official inflation. With an annual 0.85% management fee, it trades in the Başlangıç Fonu category. Launched in 2017, it manages 63.2M ₺ in assets across 10,505 investors. (Average position: ~6.0K ₺)

NOMINAL RETURN · 1Y
+48.9%
CPI 32.1%
USD 16.9%

Real +12.7% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
63.2M ₺
Total portfolio value
Net Flow
-211K ₺
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.
Mevduat (TL)62.8%DT24.1%VDMK13.1%
  • Mevduat (TL) 62.8%
  • Devlet Tahvili 24.1%
  • Varlığa Dayalı Menkul Kıymet 13.1%
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 +3.32%
3 Months +9.89%
6 Months +20.4%
YTD +23.3%
1 Year +48.9%
3 Years +254%
5 Years +426%
Holdings
  • Mevduat (TL) 62.8%
  • Devlet Tahvili 24.1%
  • Varlığa Dayalı Menkul Kıymet 13.1%

🎯 Declared Strategy

Comparison benchmark: %10 BIST-KYD REPO (BRUT) + %30 BIST-KYD DIBS 91 GUN + %60 BIST-KYD 1 AYLIK MEVDUAT TL
Investment objective / strategy

Fon portföyünün en az yüzde altmışı, Türk Lirası cinsinden mevduat ve/veya katılma hesabında; en az yüzde yirmisi Bakanlıkça ihraç edilen Türk Lirası cinsinden azami 184 gün vadeli ve/veya vadesine azami 184 gün kalmış borçlanma araçlarında, gelir ortaklığı senetleri ve/veya kira sertifikalarında, kalanı azami 184 gün vadeli ters repoda, Takasbank ve/veya yurt içi organize para piyasası işlemlerinde, vaad sözleşmelerinde, BİST Taahhütlü İşlemler Pazarı'nda gerçekleştirilen geri satma taahhüdü ile alım işlemlerinde, azami 184 gün vadeli ve/veya vadesine azami 184 gün kalmış ipotek ve varlık teminatlı menkul kıymetlerde, ipoteğe ve varlığa dayalı menkul kıymetlerde yatırıma yönlendirilir.

📋 Profile

ISIN code TRYFNEM00113
Founder QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş.
Portfolio manager firm QNB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2017-01-25
Fund term SÜRESİZ
Independent auditor GÜNEY BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 1
Volatility (1Y) 1.55%
Max Drawdown (1Y) -0.08% (Mar 2026)

📞 Contact

ContactBarbaros Mah. Kardelen Sok. Palladium Tower No:2 Kat:28-29 34746 Ataşehir/İstanbul, Türkiye
Tel02164680300
Faks02164112848
e-PostaFonYonetimi@qnbsigorta.com.tr
Authorized contacts
Şeref DURNA Grup Müdürü
0(212)-336 7300 qnbfon@qnbinvest.com.tr
Elif BİLMEZ Birim Müdürü
0(216)-468 0300 FonYonetimi@qnbsigorta.com.tr
Özlem UKAL Müdür Yardımcısı
0(216)-468 0300 FonYonetimi@qnbsigorta.com.tr
Yiğit KARAMAN Müdür Yardımcısı
0(216)-468 0300 FonYonetimi@qnbsigorta.com.tr
Müşteri İletişim Merkezi -
0850 222 0 860 info@qnbsigorta.com.tr

Fund Profile

What is the CFB fund?

CFB is a pension fund managed by QNB Sağlık Hayat Sigorta ve Emeklilik. It is offered through the Turkish pension (BES) system under the code CFB, in the Başlangıç category.

How has the CFB fund performed?

It returned 48.9% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +12.7%. Year to date it is 23.3%. Over 5 years it returned 426%.

What does the CFB fund hold?

Portfolio allocation: Mevduat (TL) 62.8%, Devlet Tahvili 24.1%, Varlığa Dayalı Menkul Kıymet 13.1%.

What does the CFB fund cost?

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

How much withholding tax does the CFB 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.