Bireysel Emeklilik (BES)
Esnek katkı payı ve yatırım seçenekleriyle geleceğinizi güvence altına alın.
Bireysel Emeklilik Sistemi (BES), çalışma hayatınız boyunca birikim yapmanıza ve emeklilik döneminde daha rahat bir yaşam sürmenize olanak tanır.
Devlet katkısı sayesinde birikiminiz hızlanır. Esnek katkı payları ile bütçenize uygun plan oluşturabilirsiniz.
Portföyünüzü istediğiniz zaman değiştirebilir, riskinizi yönetebilirsiniz.
What is the Private Pension System (BES)?
The Private Pension System (BES) is a long-term savings scheme supported by a state contribution: you save regularly throughout your working life and your savings grow under professional fund management.
You decide how much to contribute; you can increase, decrease or pause your payments at any time. Your savings are held at Takasbank, separate from the company's own assets.
Advantages of BES
Contributions that fit your budget
You set your contribution to match your income and update it whenever you like.
Manage your own fund allocation
Change your fund mix several times a year according to your risk preference.
Pause whenever you need
Pause your payments in difficult times and pick up again when you're ready.
Your savings are protected
Your funds are kept at Takasbank; the system is supervised by SEDDK and SPK.
Grow your savings faster with the state contribution
For every contribution you make, an extra 20% is added to your account as a state contribution. This advantage is unique to BES and significantly speeds up the growth of your savings.
Bireysel Emeklilik (BES) — frequently asked
You qualify after staying in the system for at least 10 years and turning 56. You can take your savings as a lump sum, as a regular income, or a combination of both.
You can leave at any time; however, to receive the full state contribution you must meet the retirement conditions. Depending on how long you stayed, a portion of the state contribution is paid to you, and withholding tax applies to the returns.
Yes. You can increase or decrease your contribution or pause payments at any time. You can also make extra payments to accelerate your savings.
Yes, you can hold multiple contracts. The state contribution cap is calculated across all your contracts, based on the annual gross minimum wage.
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