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ZHD TÜRKİYE HAYAT VE EMEKLİLİK A.Ş. KAMU DIŞ KİRA SERTİFİKALARI KATILIM EMEKLİLİK YATIRIM FONU Türkiye Hayat ve Emeklilik

Kira Sertifikasi Katılım Risk 6/7
 
 
 
+1.76% past month
Summary

ZHD primarily holds kamu kira sertifikası (döviz) and is a high-risk fund (6/7). Over the past year it returned 21.4%; 8.12% below official inflation. With an annual 1.86% management fee, it trades in the Kira Sertifikasi Katılım Fonu category. Launched in 2011, it manages 2.4B ₺ in assets across 58,931 investors. (Average position: ~41.0K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+21.4%
CPI 32.1%
USD 16.9%

Real -8.12% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
2.4B ₺
Total portfolio value
Net Flow
+580M ₺
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.
KKS (Döviz)84.0%KH (Döviz)6.05%
  • Kamu Kira Sertifikası (Döviz) 84.0%
  • Katılım Hesabı (Döviz) 6.05%
  • Katılım Hesabı (TL) 4.73%
  • BİST Taahhütlü İşlem Pazarı (Satım) 2.06%
  • Özel Sektör Yurt Dışı Kira Sertifikası 1.01%
  • Diğer 2.12%
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 +1.76%
3 Months +5.13%
6 Months +9.18%
YTD +10.1%
1 Year +21.4%
3 Years +108%
5 Years +556%
Holdings
  • Kamu Kira Sertifikası (Döviz) 84.0%
  • Katılım Hesabı (Döviz) 6.05%
  • Katılım Hesabı (TL) 4.73%

🎯 Declared Strategy

Comparison benchmark: %90 BIST-KYD KAMU KİRA SERTİFİKALARI USD (TL) + %10 BIST-KYD 1 AYLIK KAR PAYI USD

📋 Profile

ISIN code TRYZHEM00014
Founder TÜRKİYE HAYAT VE EMEKLİLİK A.Ş.
Portfolio manager firm ZİRAAT PORTFÖY YÖNETİMİ A.Ş.
Inception date 2011-07-01
Fund term Süresiz
Independent auditor PwC BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş
Risk value 6
Volatility (1Y) 1.75%
Max Drawdown (1Y) -0.54% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+3

📞 Contact

ContactLevent Mah. Çayır Çimen Sokak, No:7 34330 Levent - 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 ZHD fund?

ZHD is a pension fund managed by Türkiye Hayat ve Emeklilik. It is offered through the Turkish pension (BES) system under the code ZHD, in the Kira Sertifikasi Katılım category.

How has the ZHD fund performed?

It returned 21.4% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -8.12%. Year to date it is 10.1%. Over 5 years it returned 556%.

What does the ZHD fund hold?

Portfolio allocation: Kamu Kira Sertifikası (Döviz) 84.0%, Katılım Hesabı (Döviz) 6.05%, Katılım Hesabı (TL) 4.73%.

What does the ZHD fund cost?

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

How much withholding tax does the ZHD 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.