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IEK ZURICH YAŞAM VE EMEKLİLİK A.Ş. KARMA EMEKLİLİK YATIRIM FONU Zurich Yaşam ve Emeklilik

Karma Risk 4/7
 
 
 
-0.43% past month
Summary

IEK primarily holds hisse senedi and is a medium-risk fund (4/7). Over the past year it returned 35.8%; 2.80% above official inflation. With an annual 2.20% management fee, it trades in the Karma Fon category. Launched in 2003, it manages 699M ₺ in assets across 82,778 investors. (Average position: ~8.4K ₺)

Risk 4/7
NOMINAL RETURN · 1Y
+35.8%
CPI 32.1%
USD 16.9%

Real +2.80% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
699M ₺
Total portfolio value
Net Flow
-4.3M ₺
monthly net in/out
Management Fee
2.20%
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.
HS41.4%DT35.9%YFKP11.2%
  • Hisse Senedi 41.4%
  • Devlet Tahvili 35.9%
  • Yatırım Fonu Katılma Payı 11.2%
  • Mevduat (TL) 5.65%
  • Vadeli İşlemler Nakit Teminatı 2.11%
  • Özel Sektör Tahvili 1.63%
  • Diğer 2.08%
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 -0.43%
3 Months +2.69%
6 Months +12.4%
YTD +20.8%
1 Year +35.8%
3 Years +138%
5 Years +554%
Holdings
  • Hisse Senedi 41.4%
  • Devlet Tahvili 35.9%
  • Yatırım Fonu Katılma Payı 11.2%

🎯 Declared Strategy

Comparison benchmark: %45 BIST 100 GETIRI + %5 BIST-KYD DIBS TUM + %10 BIST-KYD REPO (BRUT) + %40 BIST-KYD DIBS 547 GUN
Investment objective / strategy

Her birinin değeri fon portföyünün %20'sinden az olmayacak şekilde fon portföyünün en az %80'ini BIST'da işlem gören ortaklık payları ve borçlanma araçları içerecek şekilde yatırarak sermaye kazancı elde etmektir. Bunlara ek olarak izahnamenin 2.4. maddesindeki tabloda yer alan para ve sermaye piyasası araçlarına, belirlenen sınırlamalar çerçevesinde yatırım yapılır.

📋 Profile

ISIN code TRYOYAE00034
Founder ZURİCH YAŞAM VE EMEKLİLİK A.Ş.
Portfolio manager firm TEB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2003-10-27
Fund term Süresiz
Independent auditor CPATURK BAĞIMSIZ DENETİM VE YEMİNLİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 4
Volatility (1Y) 11.3%
Max Drawdown (1Y) -5.52% (May 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 Contact

ContactOrjin Maslak İş Merkezi, Eski Büyükdere Cad. No: 27 Kat: 12-13 PK: 34485 Sarıyer / İstanbul
Tel0212 334 05 00
Faks0212 346 38 25
e-Postatrzy_fonvetakasoperasyonlari@zurich.com
Authorized contacts
Özlem Polat Müdür
0212 393 20 00 trzy_fonvetakasoperasyonlari@zurich.com

Fund Profile

What is the IEK fund?

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

How has the IEK fund performed?

It returned 35.8% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +2.80%. Year to date it is 20.8%. Over 5 years it returned 554%.

What does the IEK fund hold?

Portfolio allocation: Hisse Senedi 41.4%, Devlet Tahvili 35.9%, Yatırım Fonu Katılma Payı 11.2%.

What does the IEK fund cost?

The annual management fee is 2.20%. Its total expense ratio is 2.28%.

How much withholding tax does the IEK 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.