Dijital Bes Personal Pensıon Plan

‘Online BES’ Makes It Very Easy for You to Enroll in the Private Pension System!

Select a pension plan based on our either interest-bearing or interest-free pension funds and click the Buy Now button to start saving money today for your retirement.

Amount of Contribution

The minimum monthly contribution for our digital Private Pension System (PPS) plans is TRY 150.

Entrance Fee

You will not pay cash entrance fee for this plan. The entrance fee is payable at the time of exit from the pension system under the following conditions:

a) If you have not completed 5 years in the system: At the time of exit from the pension system, the entrance fee and the management fee will be deducted from your savings up to the upper limit of total deductions allowed for a contract which completed 5 years in the system. In the calculation of the upper limit for deductions, the amount corresponding to 8.5% of the monthly gross minimum wage is used. In the calculation of the ABÜ (minimum wage over the first six months of the respective year) for the years following the date of exist from the system, the amount of ABÜ in the year of exit from the system is used. The deferred entrance fee is deducted from the savings of the member.

b) If a member exits from the private pension system due to death or disability or entitlement to retirement, the deferred entrance fee is not deducted from his or her savings. If you change your pension plan at any time, the entrance fee applicable to the first plan remains unchanged over the entire term of the contract.

State’s Contribution

The State will pay a contribution in an amount corresponding to 25% of your monthly contribution to a sub-account opened under your pension account. The total amount of the contributions paid by the State in a calendar year is limited with 25% of the annual gross minimum wage.

How to Pay Your Contributions

You can pay your regular monthly contributions by credit card.

Deductions

Management Expense Deduction

This plan is free of any management expense deduction.

Fund Total Expense Deduction

Under the private pension law, the pension companies can make the so-called fund total expense deduction in an amount calculated on the total net worth of the pension fund in order to cover their expenses related to the pension funds, such as fund operation expense, fund custody, audit, transaction expense, etc.

For our PPS plans, we apply the fund operation expense and fund total expense deduction for each pension fund covered by your plan at the rates given in the following table.

Pension Funds under our Digital PPS 1 Plan (interest-free plan)

Pension Investment Funds of Ziraat Hayat ve Emeklilik A.Ş. Daily Fund Operation Expense Deduction Annual Fund Operation Expense Deduction (%) Daily Fund Total Expense Deduction Annual Fund Total Expense Deduction (%)
Participation Variable Pension Investment Fund 6,10/100.000 2,23  6,25/100.000 2,28
Participation Standard Pension Investment Fund 5,15/100.000 1,88 5,25/100.000 1,91
Gold Participation Pension Investment Fund 2,90/100.000  1,06  3,00/100.000  1,09

Pension Funds under our Digital PPS 2 Plan

Pension Investment Funds of Ziraat Hayat ve Emeklilik A.Ş. Daily Fund Operation Expense Deduction Annual Fund Operation Expense Deduction (%) Daily Fund Total Expense Deduction Annual Fund Total Expense Deduction (%)
Variable Pension Investment Fund 6,10/100.000 2,23 6,25/100.000 2,28
Stock Pension Investment Fund 6,10/100.000 2,23 6,25/100.000 2,28
Government Bonds and Bills Pension Investment Fund 5,15/100.000 1,88 5,25/100.000 1,91
Standard Pension Investment Fund 5,15/100.000 1,88 5,25/100.000 1,91
Government Foreign Borrowing Instruments Investment Fund 5,15/100.000 1,88 5,25/100.000 1,91
Gold Participation Pension Investment Fund 2,90/100.000 1,06 3,00/100.000 1,09
Money Market Pension Investment Fund 2,90/100.000 1,06 3,00/100.000 1,09
Contribution Pension Investment Fund 0,99/100.000 0,361 1/100.000 0,365