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VES TÜRKİYE HAYAT VE EMEKLİLİK A.Ş. BORÇLANMA ARAÇLARI EMEKLİLİK YATIRIM FONU Türkiye Hayat ve Emeklilik

Borçlanma Araçları Risk 3/7
 
 
 
+2.38% past month
Summary

VES primarily holds devlet tahvili and is a medium-risk fund (3/7). Over the past year it returned 41.4%; 7.05% above official inflation. With an annual 1.86% management fee, it trades in the Borçlanma Araçları Fonu category. Launched in 2012, it manages 9.5B ₺ in assets across 127,449 investors. (Average position: ~74.3K ₺)

Risk 3/7
NOMINAL RETURN · 1Y
+41.4%
CPI 32.1%
USD 16.9%

Real +7.05% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
9.5B ₺
Total portfolio value
Net Flow
+1.3B ₺
monthly net in/out
Management Fee
1.86%
Charged from the fund whether you gain or lose.
Max Expense Ratio
1.91%
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.
DT27.4%ÖST23.2%FB18.8%Ters Repo9.35%TPP8.62%Diğer8.28%
  • Devlet Tahvili 27.4%
  • Özel Sektör Tahvili 23.2%
  • Finansman Bonosu 18.8%
  • Ters Repo 9.35%
  • Takasbank Para Piyasası 8.62%
  • Mevduat (TL) 4.33%
  • Diğer 8.28%
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 +2.38%
3 Months +8.14%
6 Months +16.6%
YTD +19.1%
1 Year +41.4%
3 Years +230%
5 Years +443%
Holdings
  • Devlet Tahvili 27.4%
  • Özel Sektör Tahvili 23.2%
  • Finansman Bonosu 18.8%

🎯 Declared Strategy

Comparison benchmark: %60 BIST-KYD DIBS TUM + %20 BIST-KYD OSBA SABIT + %10 BIST-KYD REPO (BRUT) + %10 BIST-KYD 1 AYLIK MEVDUAT TL
Investment objective / strategy

Fon'un yatırım stratejisi; fon portföyünün en az %80'inin devamlı olarak kamu ve özel sektör borçlanma araçları ile kamu borçlanma araçlarının konu olduğu ters repoya yatırılmasıdır. Fon, piyasa faiz öngörüsü ve karşılaştırma ölçütü çerçevesinde portföy vadesini ve varlık dağılımını dinamik şekilde kullanarak kamu ve özel sektör borçlanma araçlarının getirilerinden azami ölçüde yararlanmayı hedeflemektedir. Fon toplam değerinin en fazla %20'si oranında yabancı para ve sermaye piyasası araçları fon portföyüne dahil edilebilir.

📋 Profile

ISIN code TRYVFEM00165
Founder TÜRKİYE HAYAT VE EMEKLİLİK A.Ş.
Portfolio manager firm İSTANBUL PORTFÖY YÖNETİMİ A.Ş.
Inception date 2012-02-22
Fund term Fon Süresiz Olarak Kurulmuştur
Independent auditor PwC BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş
Risk value 3
Volatility (1Y) 2.42%
Max Drawdown (1Y) -0.57% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+1

📞 Contact

ContactLevent Mahallesi, Çayırçimen Sokağı Vakıfbank Apt. No:7, 34330 Beşiktaş / İSTANBUL
Tel212-310-37-00
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 VES fund?

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

How has the VES fund performed?

It returned 41.4% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is +7.05%. Year to date it is 19.1%. Over 5 years it returned 443%.

What does the VES fund hold?

Portfolio allocation: Devlet Tahvili 27.4%, Özel Sektör Tahvili 23.2%, Finansman Bonosu 18.8%.

What does the VES fund cost?

The annual management fee is 1.86%. Its total expense ratio is 1.91%.

How much withholding tax does the VES 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.