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GHO GARANTİ EMEKLİLİK VE HAYAT A.Ş. ÜÇÜNCÜ DEĞİŞKEN EMEKLİLİK YATIRIM FONU Garanti Emeklilik ve Hayat

Değişken Risk 6/7
 
 
 
-0.44% past month
Summary

GHO primarily holds yabancı hisse senedi and is a high-risk fund (6/7). Over the past year it returned 42.9%; 8.16% above official inflation. With an annual 1.88% management fee, it trades in the Değişken Fon category. Launched in 2012, it manages 10.9B ₺ in assets across 158,249 investors. (Average position: ~69.2K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+42.9%
CPI 32.1%
USD 16.9%

Real +8.16% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
10.9B ₺
Total portfolio value
Net Flow
-1.6B ₺
monthly net in/out
Management Fee
1.88%
Charged from the fund whether you gain or lose.
Max Expense Ratio
1.91%
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.
YHS34.3%DT22.1%VİNT13.7%KM9.01%KM KKS6.56%Diğer9.77%
  • Yabancı Hisse Senedi 34.3%
  • Devlet Tahvili 22.1%
  • Vadeli İşlemler Nakit Teminatı 13.7%
  • Kıymetli Maden 9.01%
  • Kıymetli Maden Kamu Kira Sertifikası 6.56%
  • Ters Repo 4.55%
  • Diğer 9.77%
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 -0.44%
3 Months +8.20%
6 Months +16.6%
YTD +19.4%
1 Year +42.9%
3 Years +212%
5 Years +842%
Holdings
  • Yabancı Hisse Senedi 34.3%
  • Devlet Tahvili 22.1%
  • Vadeli İşlemler Nakit Teminatı 13.7%

🎯 Declared Strategy

Comparison benchmark: %45 NASDAQ 100 (TOTAL RETURN) + %20 BIST-KYD KAMU EUROBOND 0-5 YIL USD (TL) + %15 BIST-KYD ALTIN FIYAT AGIRLIKLI ORTALAMA + %10 BIST-KYD 1 AYLIK MEVDUAT USD + %10 BIST-KYD REPO (BRUT)

📋 Profile

ISIN code TRYGHEK00174
Founder GARANTİ EMEKLİLİK VE HAYAT A.Ş.
Portfolio manager firm GARANTİ PORTFÖY YÖNETİMİ A.Ş.
Inception date 2012-07-04
Fund term süresiz
Independent auditor GÜNEY BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 6
Volatility (1Y) 10.8%
Max Drawdown (1Y) -7.48% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+3

📞 Contact

ContactLevent, Nispetiye Mah. Aytar Cad. No:2 34340 Beşiktaş/İSTANBUL
Tel4440336
Authorized contacts

Fund Profile

What is the GHO fund?

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

How has the GHO fund performed?

It returned 42.9% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +8.16%. Year to date it is 19.4%. Over 5 years it returned 842%.

What does the GHO fund hold?

Portfolio allocation: Yabancı Hisse Senedi 34.3%, Devlet Tahvili 22.1%, Vadeli İşlemler Nakit Teminatı 13.7%.

What does the GHO fund cost?

The annual management fee is 1.88%. Its total expense ratio is 1.91%.

How much withholding tax does the GHO 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.