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CHG QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş. OKS AGRESİF DEĞİŞKEN EMEKLİLİK YATIRIM FONU QNB Sağlık Hayat Sigorta ve Emeklilik

Değişken Risk 6/7
 
 
 
-1.40% past month
Summary

CHG primarily holds hisse senedi and is a high-risk fund (6/7). Over the past year it returned 23.2%; 6.73% below official inflation. With an annual 0.85% management fee, it trades in the Değişken Fon category. Launched in 2018, it manages 279M ₺ in assets across 368 investors. (Average position: ~759K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+23.2%
CPI 32.1%
USD 16.8%

Real -6.73% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
279M ₺
Total portfolio value
Net Flow
-9.1M ₺
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.
HS89.2%TPP9.23%
  • Hisse Senedi 89.2%
  • Takasbank Para Piyasası 9.23%
  • Vadeli İşlemler Nakit Teminatı 1.04%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 0.27%
  • Devlet Tahvili 0.19%
  • Yatırım Fonu Katılma Payı 0.05%
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 -1.40%
3 Months -5.71%
6 Months +3.06%
YTD +14.4%
1 Year +23.2%
3 Years +187%
5 Years +2,072%
Holdings
  • Hisse Senedi 89.2%
  • Takasbank Para Piyasası 9.23%
  • Vadeli İşlemler Nakit Teminatı 1.04%

📋 Profile

ISIN code TRYFNEM00147
Founder QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş.
Portfolio manager firm QNB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2018-02-23
Fund term Süresiz
Independent auditor GÜNEY BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 6
Volatility (1Y) 22.0%
Max Drawdown (1Y) -12.9% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 Contact

ContactBarbaros Mah. Kardelen Sok. Palladium Tower No:2 Kat:28-29 34746 Ataşehir/İstanbul, Türkiye
Tel0216 468 03 00
Faks0216 411 28 48
Authorized contacts
Şeref DURNA Grup Müdürü
0(212)-336 7300 qnbfon@qnbinvest.com.tr
Elif BİLMEZ Birim Müdürü
Özlem UKAL Müdür Yardımcısı
Yiğit KARAMAN Müdür Yardımcısı

Fund Profile

What is the CHG fund?

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

How has the CHG fund performed?

It returned 23.2% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -6.73%. Year to date it is 14.4%. Over 5 years it returned 2,072%.

What does the CHG fund hold?

Portfolio allocation: Hisse Senedi 89.2%, Takasbank Para Piyasası 9.23%, Vadeli İşlemler Nakit Teminatı 1.04%.

What does the CHG fund cost?

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

How much withholding tax does the CHG 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

The information here is for informational purposes only and is not investment advice. Past performance does not guarantee future results. Source: TEFAS.