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

Kamu Borçlanma Araçları Risk 3/7
 
 
 
+1.80% past month
Summary

ZHG primarily holds devlet tahvili and is a medium-risk fund (3/7). Over the past year it returned 30.3%; 1.39% below official inflation. With an annual 1.88% management fee, it trades in the Kamu Borçlanma Araçları Fonu category. Launched in 2011, it manages 3.9B ₺ in assets across 316,974 investors. (Average position: ~12.2K ₺)

Risk 3/7
NOMINAL RETURN · 1Y
+30.3%
CPI 32.1%
USD 16.8%

Real -1.39% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
3.9B ₺
Total portfolio value
Net Flow
+8.3M ₺
monthly net in/out
Management Fee
1.88%
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.
DT63.6%HB12.3%Ters Repo9.00%GSYF KP6.72%
  • Devlet Tahvili 63.6%
  • Hazine Bonosu 12.3%
  • Ters Repo 9.00%
  • Girişim Sermayesi Yatırım Fonu Katılma Payı 6.72%
  • Hisse Senedi 3.63%
  • Gayrimenkul Yatırım Fonu Katılma Payı 3.54%
  • Diğer 1.21%
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 +1.80%
3 Months +4.91%
6 Months +8.78%
YTD +10.8%
1 Year +30.3%
3 Years +94.6%
5 Years +219%
Holdings
  • Devlet Tahvili 63.6%
  • Hazine Bonosu 12.3%
  • Ters Repo 9.00%

🎯 Declared Strategy

Comparison benchmark: %80 BIST-KYD DIBS TUM + %5 BIST-KYD REPO (BRUT) + %10 BIST-KYD OSBA DEGISKEN + %5 BIST-KYD 1 AYLIK MEVDUAT TL
Investment objective / strategy

Fon, portföyünün en az %80'ini kamu borçlanma araçlarına ve kamu borçlanma araçlarının konu olduğu ters repo işlemlerine yatırarak faiz geliri elde etmeyi hedefler.Fon portföyüne dahil edilecek sermaye piyasası araçlarının seçiminde nakde dönüşümü kolay ve riski az olanlar tercih edilir. Fon portföyü istikrarlı, yüksek reel getiri hedefi ile yönetilir.

📋 Profile

ISIN code TRYZHEM00048
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 3
Volatility (1Y) 5.60%
Max Drawdown (1Y) -3.29% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+1

📞 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 ZHG fund?

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

How has the ZHG fund performed?

It returned 30.3% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -1.39%. Year to date it is 10.8%. Over 5 years it returned 219%.

What does the ZHG fund hold?

Portfolio allocation: Devlet Tahvili 63.6%, Hazine Bonosu 12.3%, Ters Repo 9.00%.

What does the ZHG fund cost?

The annual management fee is 1.88%. Its total expense ratio is 1.91%.

How much withholding tax does the ZHG 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

The information here is for informational purposes only and is not investment advice. Past performance does not guarantee future results. Source: TEFAS.