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CHL QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş. PARA PİYASASI EMEKLİLİK YATIRIM FONU QNB Sağlık Hayat Sigorta ve Emeklilik

Para Piyasası
 
 
 
+3.27% past month
Summary

CHL primarily holds devlet tahvili. Over the past year it returned 49.6%; 13.2% above official inflation. With an annual 0.80% management fee, it trades in the Para Piyasası Fonu category. Launched in 2008, it manages 595M ₺ in assets across 11,944 investors. (Average position: ~49.8K ₺)

NOMINAL RETURN · 1Y
+49.6%
CPI 32.1%
USD 16.8%

Real +13.2% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
595M ₺
Total portfolio value
Net Flow
+7.6M ₺
monthly net in/out
Management Fee
0.80%
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.
DT32.4%Mevduat (TL)22.0%FB17.1%ÖST11.4%VDMK7.98%
  • Devlet Tahvili 32.4%
  • Mevduat (TL) 22.0%
  • Finansman Bonosu 17.1%
  • Özel Sektör Tahvili 11.4%
  • Varlığa Dayalı Menkul Kıymet 7.98%
  • Ters Repo 5.13%
  • Diğer 4.03%
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 +3.27%
3 Months +10.1%
6 Months +20.8%
YTD +23.9%
1 Year +49.6%
3 Years +261%
5 Years +429%
Holdings
  • Devlet Tahvili 32.4%
  • Mevduat (TL) 22.0%
  • Finansman Bonosu 17.1%

🎯 Declared Strategy

Comparison benchmark: %30 BIST-KYD DIBS 91 GUN + %55 BIST-KYD REPO (BRUT) + %15 BIST-KYD 1 AYLIK MEVDUAT TL
Investment objective / strategy

Fon, Para Piyasası Emeklilik Yatırım Fonu olup portföyünün tamamı devamlı olarak portföyünde vadesine en fazla 184 gün kalmış likiditesi yüksek para ve sermaye piyasası araçlarından oluşan ve portföyünün günlük olarak hesaplanan ağırlıklı ortalama vadesi en fazla 45 gün olan fondur. Düşük riske sahip bir ürün Cigna Sağlık Hayat ve Emeklilik A.Ş. Para Piyasası Emeklilik Yatırım Fonu'nun yatırım stratejisini belirleyen en temel özellik fon fiyatında istikrar sağlamak ve birikimlerin değerini korumaktır. Fon portföyüne vadeye kalan gün sayısı hesaplanamayan varlıklar dahil edilemez.

📋 Profile

ISIN code TRYFNEM00048
Founder QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş.
Portfolio manager firm QNB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2008-11-07
Fund term SÜRESİZ
Independent auditor GÜNEY BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 2
Volatility (1Y) 1.57%
Max Drawdown (1Y) -0.10% (Mar 2026)

📞 Contact

ContactBarbaros Mah. Kardelen Sok. Palladium Tower No:2 Kat:28-29 34746 Ataşehir/İstanbul, Türkiye
Tel0216 468 03 00
Faks0216 411 28 48
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 -
0(850)-222 0 860 info@qnbsigorta.com.tr

Fund Profile

What is the CHL fund?

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

How has the CHL fund performed?

It returned 49.6% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +13.2%. Year to date it is 23.9%. Over 5 years it returned 429%.

What does the CHL fund hold?

Portfolio allocation: Devlet Tahvili 32.4%, Mevduat (TL) 22.0%, Finansman Bonosu 17.1%.

What does the CHL fund cost?

The annual management fee is 0.80%. Its total expense ratio is 1.09%.

How much withholding tax does the CHL 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.