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KRM TÜRKİYE HAYAT VE EMEKLİLİK A.Ş. KATILIM KARMA EMEKLİLİK YATIRIM FONU Türkiye Hayat ve Emeklilik

Karma Risk 3/7
 
 
 
+1.41% past month
Summary

KRM primarily holds hisse senedi and is a medium-risk fund (3/7). Over the past year it returned 47.1%; 11.3% above official inflation. With an annual 2.20% management fee, it trades in the Karma Fon category. Launched in 2024, it manages 1.2B ₺ in assets across 29,018 investors. (Average position: ~40.6K ₺)

Risk 3/7
NOMINAL RETURN · 1Y
+47.1%
CPI 32.1%
USD 16.9%

Real +11.3% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
1.2B ₺
Total portfolio value
Net Flow
+64.3M ₺
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.
HS21.5%YHS21.5%ÖSKS17.0%KKS (Döviz)10.0%TİP (Satım)9.08%BYF KP7.59%Diğer13.4%
  • Hisse Senedi 21.5%
  • Yabancı Hisse Senedi 21.5%
  • Özel Sektör Kira Sertifikası 17.0%
  • Kamu Kira Sertifikası (Döviz) 10.0%
  • BİST Taahhütlü İşlem Pazarı (Satım) 9.08%
  • BYF Katılma Payı 7.59%
  • Diğer 13.4%
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 +1.41%
3 Months +10.0%
6 Months +26.0%
YTD +31.0%
1 Year +47.1%
Holdings
  • Hisse Senedi 21.5%
  • Yabancı Hisse Senedi 21.5%
  • Özel Sektör Kira Sertifikası 17.0%

🎯 Declared Strategy

Comparison benchmark: %25 BIST-KYD OZEL SEKTOR KIRA SERTIFIKALARI + %25 BIST-KYD KAMU KİRA SERTİFİKALARI USD (TL) T1 + %25 BIST KATILIM 30 GETİRİ ENDEKSİ + %25 S&P500 SHARIAH INDUSTRY EXCLUSIONS NET TOTAL ENDEKSİ

📋 Profile

ISIN code TRYVFEM00413
Founder TÜRKİYE HAYAT VE EMEKLİLİK A.Ş.
Portfolio manager firm HSBC PORTFÖY YÖNETİMİ A.Ş.
Inception date 2024-03-07
Fund term Süresiz
Independent auditor PwC BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş
Risk value 3
Volatility (1Y) 9.56%
Max Drawdown (1Y) -4.21% (Nov 2025)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 Contact

ContactLevent Mah. Çayır Çimen Sokak, No:7 34330 Levent - Beşiktaş/İSTANBUL
Tel212-310-39-42
Faks0212-310-39-99
e-Postafonve@turkiyehayatemeklilik.com.tr
Authorized contacts
Nesrin KAYĞUN Müdür
02123103700 nesrin.kaygun@turkiyehayatemeklilik.com.tr
Müşteri İletişim Merkezi
08502022020 bilgi@turkiyehayatemeklilik.com.tr

Fund Profile

What is the KRM fund?

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

How has the KRM fund performed?

It returned 47.1% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +11.3%. Year to date it is 31.0%.

What does the KRM fund hold?

Portfolio allocation: Hisse Senedi 21.5%, Yabancı Hisse Senedi 21.5%, Özel Sektör Kira Sertifikası 17.0%.

What does the KRM fund cost?

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

How much withholding tax does the KRM 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.