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TML TÜRKİYE HAYAT VE EMEKLİLİK A.Ş. BİRİNCİ YAŞAM DÖNGÜSÜ EMEKLİLİK YATIRIM FONU Türkiye Hayat ve Emeklilik

Yaşam Döngüsü/Hedef Risk 5/7
 
 
 
-0.37% past month
Summary

TML primarily holds hisse senedi and is a high-risk fund (5/7). Over the past year it returned 30.3%; 1.34% below official inflation. With an annual 2.15% management fee, it trades in the Yaşam Döngüsü/Hedef Fon category. Launched in 2021, it manages 142M ₺ in assets across 5,078 investors. (Average position: ~28.0K ₺)

Risk 5/7
NOMINAL RETURN · 1Y
+30.3%
CPI 32.1%
USD 16.9%

Real -1.34% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
142M ₺
Total portfolio value
Net Flow
-5.7M ₺
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.
HS40.9%YFKP14.1%VİNT11.7%Mevduat (TL)10.6%TPP9.22%YHS8.60%
  • Hisse Senedi 40.9%
  • Yatırım Fonu Katılma Payı 14.1%
  • Vadeli İşlemler Nakit Teminatı 11.7%
  • Mevduat (TL) 10.6%
  • Takasbank Para Piyasası 9.22%
  • Yabancı Hisse Senedi 8.60%
  • Diğer 4.90%
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 -0.37%
3 Months -1.00%
6 Months +6.66%
YTD +13.6%
1 Year +30.3%
3 Years +224%
Holdings
  • Hisse Senedi 40.9%
  • Yatırım Fonu Katılma Payı 14.1%
  • Vadeli İşlemler Nakit Teminatı 11.7%

📋 Profile

ISIN code TRYVFEM00389
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 5
Volatility (1Y) 13.1%
Max Drawdown (1Y) -7.57% (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 KAYĞUN MÜDÜR
02123103700 nesrin.kaygun@turkiyehayatemeklilik.com.tr
Müşteri İletişim Merkezi
08502022020 bilgi@turkiyehayatemeklilik.com.tr

Fund Profile

What is the TML fund?

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

How has the TML fund performed?

It returned 30.3% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -1.34%. Year to date it is 13.6%. Over 3 years it returned 224%.

What does the TML fund hold?

Portfolio allocation: Hisse Senedi 40.9%, Yatırım Fonu Katılma Payı 14.1%, Vadeli İşlemler Nakit Teminatı 11.7%.

What does the TML fund cost?

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

How much withholding tax does the TML 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.