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TJY TÜRKİYE HAYAT VE EMEKLİLİK A.Ş. ÜÇÜNCÜ YAŞAM DÖNGÜSÜ EMEKLİLİK YATIRIM FONU Türkiye Hayat ve Emeklilik

Yaşam Döngüsü/Hedef Risk 2/7
 
 
 
+2.45% past month
Summary

TJY primarily holds vadeli i̇şlemler nakit teminatı and is a low-risk fund (2/7). Over the past year it returned 41.1%; 6.80% above official inflation. With an annual 2.15% management fee, it trades in the Yaşam Döngüsü/Hedef Fon category. Launched in 2021, it manages 378M ₺ in assets across 9,720 investors. (Average position: ~38.9K ₺)

Risk 2/7
NOMINAL RETURN · 1Y
+41.1%
CPI 32.1%
USD 16.9%

Real +6.80% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
378M ₺
Total portfolio value
Net Flow
+10.5M ₺
monthly net in/out
Management Fee
2.15%
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.
VİNT20.2%Mevduat (TL)18.0%YFKP11.0%Ters Repo9.74%TPP9.62%HS8.68%Diğer22.8%
  • Vadeli İşlemler Nakit Teminatı 20.2%
  • Mevduat (TL) 18.0%
  • Yatırım Fonu Katılma Payı 11.0%
  • Ters Repo 9.74%
  • Takasbank Para Piyasası 9.62%
  • Hisse Senedi 8.68%
  • Diğer 22.8%
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 +2.45%
3 Months +6.42%
6 Months +15.9%
YTD +20.2%
1 Year +41.1%
3 Years +289%
Holdings
  • Vadeli İşlemler Nakit Teminatı 20.2%
  • Mevduat (TL) 18.0%
  • Yatırım Fonu Katılma Payı 11.0%

📋 Profile

ISIN code TRYVFEM00405
Founder TÜRKİYE HAYAT VE EMEKLİLİK A.Ş.
Portfolio manager firm PHİLLİP PORTFÖY YÖNETİMİ A.Ş.
Inception date 2021-12-28
Fund term SÜRESİZ
Independent auditor PwC BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş
Risk value 2
Volatility (1Y) 3.47%
Max Drawdown (1Y) -0.76% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 Contact

ContactLevent Mahallesi, Çayırçimen Sokağı Vakıfbank Apt. No:7, 34330 Beşiktaş / İSTANBUL
Tel0 212 310 37 00
Faks0 212 310 39 91
e-Postafonve@turkiyehayatemeklilik.com.tr
Authorized contacts
Nesrin KAYGUN MÜDÜR
02123103700 nesrin.kaygun@turkiyehayatemeklilik.com.tr
Müşteri İletişim Merkezi
08502022020 bilgi@turkiyehayatemeklilik.com.tr

Fund Profile

What is the TJY fund?

TJY is a pension fund managed by Türkiye Hayat ve Emeklilik. It is offered through the Turkish pension (BES) system under the code TJY, in the Yaşam Döngüsü/Hedef category.

How has the TJY fund performed?

It returned 41.1% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +6.80%. Year to date it is 20.2%. Over 3 years it returned 289%.

What does the TJY fund hold?

Portfolio allocation: Vadeli İşlemler Nakit Teminatı 20.2%, Mevduat (TL) 18.0%, Yatırım Fonu Katılma Payı 11.0%.

What does the TJY fund cost?

The annual management fee is 2.15%. Its total expense ratio is 2.28%.

How much withholding tax does the TJY 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.