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NHM ZURICH YAŞAM VE EMEKLİLİK A.Ş. TEMKİNLİ DEĞİŞKEN EMEKLİLİK YATIRIM FONU Zurich Yaşam ve Emeklilik

Değişken Risk 2/7
 
 
 
+2.22% past month
Summary

NHM primarily holds devlet tahvili and is a low-risk fund (2/7). Over the past year it returned 42.0%; 7.47% above official inflation. With an annual 2.20% management fee, it trades in the Değişken Fon category. Launched in 2017, it manages 676M ₺ in assets across 9,189 investors. (Average position: ~73.5K ₺)

Risk 2/7
NOMINAL RETURN · 1Y
+42.0%
CPI 32.1%
USD 16.9%

Real +7.47% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
676M ₺
Total portfolio value
Net Flow
+59.3M ₺
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.
DT28.3%FB14.3%ÖST12.0%VDMK9.96%GSYF KP9.44%Ters Repo8.75%Diğer17.3%
  • Devlet Tahvili 28.3%
  • Finansman Bonosu 14.3%
  • Özel Sektör Tahvili 12.0%
  • Varlığa Dayalı Menkul Kıymet 9.96%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 9.44%
  • Ters Repo 8.75%
  • Diğer 17.3%
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 +2.22%
3 Months +10.1%
6 Months +20.7%
YTD +24.6%
1 Year +42.0%
3 Years +218%
5 Years +474%
Holdings
  • Devlet Tahvili 28.3%
  • Finansman Bonosu 14.3%
  • Özel Sektör Tahvili 12.0%

🎯 Declared Strategy

Investment objective / strategy

Fon, değişen piyasa koşullarına göre Yönetmelik'in 5. maddesinde belirtilen varlık türlerine yatırım yapan, sermaye kazancı ve faiz geliri elde etmeyi hedefleyen fondur. Fon'un varlık dağılımı önceden belirlenmez. Piyasalarda oluşabilecek fırsatlardan faydalanmak amacıyla fon portföyünde bulunan yatırım araçları üzerinden alım satım işlemleri yapabilir. Fon yönetimi sırasında yatırım yapılacak sermaye piyasası araçlarının seçiminde nakde dönüşümü kolay ve riski az olanlar tercih edilir.

📋 Profile

ISIN code TRYNNHE00091
Founder ZURİCH YAŞAM VE EMEKLİLİK A.Ş.
Portfolio manager firm AK PORTFÖY YÖNETİMİ A.Ş.
Inception date 2017-09-22
Fund term SÜRESİZ
Independent auditor CPATURK BAĞIMSIZ DENETİM VE YEMİNLİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 2
Volatility (1Y) 3.81%
Max Drawdown (1Y) -0.89% (Dec 2025)

⏱️ 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
Tel212 334 05 00
Faks212 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 NHM fund?

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

How has the NHM fund performed?

It returned 42.0% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +7.47%. Year to date it is 24.6%. Over 5 years it returned 474%.

What does the NHM fund hold?

Portfolio allocation: Devlet Tahvili 28.3%, Finansman Bonosu 14.3%, Özel Sektör Tahvili 12.0%.

What does the NHM fund cost?

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

How much withholding tax does the NHM 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.