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ZHE TÜRKİYE HAYAT VE EMEKLİLİK A.Ş. DENGELİ DEĞİŞKEN EMEKLİLİK YATIRIM FONU Türkiye Hayat ve Emeklilik

Değişken Risk 6/7
 
 
 
-4.81% past month
Summary

ZHE primarily holds hisse senedi and is a high-risk fund (6/7). Over the past year it returned 20.6%; 8.72% below official inflation. With an annual 2.15% management fee, it trades in the Değişken Fon category. Launched in 2011, it manages 14.2B ₺ in assets across 505,470 investors. (Average position: ~28.1K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+20.6%
CPI 32.1%
USD 16.9%

Real -8.72% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
14.2B ₺
Total portfolio value
Net Flow
-117M ₺
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.
HS53.6%BYF KP19.8%GSYF KP13.6%
  • Hisse Senedi 53.6%
  • BYF Katılma Payı 19.8%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 13.6%
  • Devlet Tahvili 4.85%
  • Yatırım Fonu Katılma Payı 3.10%
  • Gayrimenkul Yatırım Fonu Katılma Payı 2.55%
  • Diğer 2.88%
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 -4.81%
3 Months -4.53%
6 Months +3.55%
YTD +9.61%
1 Year +20.6%
3 Years +144%
5 Years +731%
Holdings
  • Hisse Senedi 53.6%
  • BYF Katılma Payı 19.8%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 13.6%

📋 Profile

ISIN code TRYZHEM00022
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) 18.8%
Max Drawdown (1Y) -12.4% (May 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 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 ZHE fund?

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

How has the ZHE fund performed?

It returned 20.6% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -8.72%. Year to date it is 9.61%. Over 5 years it returned 731%.

What does the ZHE fund hold?

Portfolio allocation: Hisse Senedi 53.6%, BYF Katılma Payı 19.8%, Girişim Sermayesi Yatırım Fonu Katılma Payı 13.6%.

What does the ZHE fund cost?

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

How much withholding tax does the ZHE 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.