PRS BNP PARİBAS CARDİF EMEKLİLİK A.Ş. BAŞLANGIÇ EMEKLİLİK YATIRIM FONU BNP Paribas Cardif Emeklilik

Başlangıç

Summary

PRS primarily holds mevduat (tl). Over the past year it returned 50.3%; 13.8% above official inflation. With an annual 0.85% management fee, it trades in the Başlangıç Fonu category. Launched in 2017, it manages 57.2M ₺ in assets across 12,523 investors. (Average position: ~4.6K ₺)

NOMINAL RETURN · 1Y

+50.3%

CPI 32.1%

USD 16.9%

Real +13.8% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size

57.2M ₺

Total portfolio value

Net Flow

-1.4M ₺

monthly net in/out

Management Fee

0.85%

Charged from the fund whether you gain or lose.

Max Expense Ratio

1.09%

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.

Mevduat (TL) 59.8%
Devlet Tahvili 33.2%
Ters Repo 6.99%

Purchasing Power

₺ TÜFE

Period

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Nominal Return · —

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Unit-share return for the selected period. Pick a benchmark on the chart for purchasing power.

Return

1 Month +3.25%

3 Months +10.2%

6 Months +21.0%

YTD +23.9%

1 Year +50.3%

3 Years +254%

5 Years +434%

Holdings

Mevduat (TL) 59.8%
Devlet Tahvili 33.2%
Ters Repo 6.99%

🎯 Declared Strategy

Comparison benchmark: %60 BIST-KYD 1 AYLIK MEVDUAT TL + %30 BIST-KYD DIBS 91 GUN + %10 BIST-KYD REPO (BRUT)

Investment objective / strategy

Fon portföyünün en az yüzde altmışı, Türk Lirası cinsinden mevduat ve/veya katılma hesabında; en az yüzde yirmisi Hazine ve Maliye Bakanlığınca ihraç edilen Türk Lirası cinsinden 184 gün vadeli ve/veya vadesine azami 184 gün kalmış borçlanma araçlarında,gelir ortaklığı senetleri ve/veya kira sertifikalarında, kalanı azami ters repoda, Takasbank ve/veya yurtiçi organize para piyasası işlemlerinde, azami 184 gün vadeli ve/veya vadesine azami 184 gün kalmış ipotek ve varlık teminatlı menkul kıymetlerde, ipoteğe ve varlığa dayalı menkul kıymetlerde yatırıma yönlendirilir

📋 Profile

ISIN code TRYDHEM00144

Founder BNP PARIBAS CARDIF EMEKLİLİK A.Ş.

Portfolio manager firm TEB PORTFÖY YÖNETİMİ A.Ş.

Inception date 2017-01-05

Fund term Süresiz

Independent auditor DRT BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.

Risk value 2

Volatility (1Y) 1.71%

Max Drawdown (1Y) -0.08% (Mar 2026)

📞 Contact

ContactMeclisi Mebusan Cad.No.57 Fındıklı Beyoğlu

Tel2123193200

Faks2122524272

e-Postainfo@cardif.com.tr

Authorized contacts

Kübra Eskiçırak Fon Kurulu Üyesi

2123193200 kubra.eskicirak@cardif.com

Banu Büyükoğuz Fon Kurulu Üyesi

2123193200 banu.buyukoguz@cardif.com

Elif Bakır Bakanay Fon Denetçisi

2123193200 elif.bakirbakanay@cardif.com

Recep Balkaya Fon Müdürü

02166353943 recep.balkaya@teb.com.tr

Fund Profile

What is the PRS fund?

PRS is a pension fund managed by BNP Paribas Cardif Emeklilik. It is offered through the Turkish pension (BES) system under the code PRS, in the Başlangıç category.

How has the PRS fund performed?

It returned 50.3% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +13.8%. Year to date it is 23.9%. Over 5 years it returned 434%.

What does the PRS fund hold?

Portfolio allocation: Mevduat (TL) 59.8%, Devlet Tahvili 33.2%, Ters Repo 6.99%.

What does the PRS fund cost?

The annual management fee is 0.85%. Its total expense ratio is 1.09%.

How much withholding tax does the PRS 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.