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GCY GARANTİ EMEKLİLİK VE HAYAT A.Ş. KARMA EMEKLİLİK YATIRIM FONU Garanti Emeklilik ve Hayat

Karma Risk 6/7
 
 
 
-0.36% past month
Summary

GCY primarily holds yabancı hisse senedi and is a high-risk fund (6/7). Over the past year it returned 32.9%; 0.63% above official inflation. With an annual 2.23% management fee, it trades in the Karma Fon category. Launched in 2022, it manages 3.5B ₺ in assets across 29,634 investors. (Average position: ~117K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+32.9%
CPI 32.1%
USD 16.9%

Real +0.63% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
3.5B ₺
Total portfolio value
Net Flow
-413M ₺
monthly net in/out
Management Fee
2.23%
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.
YHS48.2%DT22.8%KM21.5%
  • Yabancı Hisse Senedi 48.2%
  • Devlet Tahvili 22.8%
  • Kıymetli Maden 21.5%
  • Döviz Kamu İç Borçlanma Aracı 5.74%
  • Takasbank Para Piyasası 0.96%
  • Vadeli İşlemler Nakit Teminatı 0.73%
  • Diğer 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 -0.36%
3 Months +2.17%
6 Months +7.38%
YTD +10.8%
1 Year +32.9%
3 Years +171%
Holdings
  • Yabancı Hisse Senedi 48.2%
  • Devlet Tahvili 22.8%
  • Kıymetli Maden 21.5%

🎯 Declared Strategy

Comparison benchmark: %45 EURO STOXX 50 NET RETURN EUR INDEX + %20 BIST-KYD KAMU EUROBOND EUR (TL) + %20 BIST-KYD ALTIN FIYAT AGIRLIKLI ORTALAMA + %10 BIST-KYD 1 AYLIK MEVDUAT EUR + %5 BIST-KYD REPO (BRUT)

📋 Profile

ISIN code TRYGHEK00356
Founder GARANTİ EMEKLİLİK VE HAYAT A.Ş.
Portfolio manager firm GARANTİ PORTFÖY YÖNETİMİ A.Ş.
Inception date 2022-04-05
Fund term süresiz
Independent auditor GÜNEY BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 6
Volatility (1Y) 13.1%
Max Drawdown (1Y) -9.50% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+3

📞 Contact

ContactLevent, Nispetiye Mah. Aytar Cad. No:2 34340 BeşiktaşKTAŞ İSTANBUL
Tel4440336
e-PostaMusteriHizmetleri@garantibbvaemeklilik.com.tr
Authorized contacts
Müşteri İletişim Merkezi
4440336 MusteriHizmetleri@garantibbvaemeklilik.com.tr
Ülkü AKKOL Kıdemli Yönetmen
02123347000 UlkuAk@garantibbvaemeklilik.com.tr
Enes AKGÜN Kıdemli Yönetmen
02123347000 EnesAk@garantibbvaemeklilik.com.tr

Fund Profile

What is the GCY fund?

GCY is a pension fund managed by Garanti Emeklilik ve Hayat. It is offered through the Turkish pension (BES) system under the code GCY, in the Karma category.

How has the GCY fund performed?

It returned 32.9% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +0.63%. Year to date it is 10.8%. Over 3 years it returned 171%.

What does the GCY fund hold?

Portfolio allocation: Yabancı Hisse Senedi 48.2%, Devlet Tahvili 22.8%, Kıymetli Maden 21.5%.

What does the GCY fund cost?

The annual management fee is 2.23%. Its total expense ratio is 2.28%.

How much withholding tax does the GCY 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.