Page 13 - Turkinsurance Digital Magazine

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Big Goals with Small Savings in the Individual Pension System (BES)

The Individual Pension System (BES) is 2025, the total fund amount in the In-
growing as one of the most preferred sav- dividual Pension System (BES) has ex-
ings tools in Türkiye. In addition to the ceeded 1 trillion 136 billion TL. Of this
30% state contribution offered in BES, amount, 412.3 billion TL is invested in
Katılım Emeklilik provides the opportuni- non-interest-bearing funds, while 723.8
ty to achieve significant savings through billion TL is allocated to interest-bear-
small contributions, standing out as the ing funds. Additionally, 19 billion TL of
company that offers the widest range of the state contribution funds are placed
interest-free fund options. Recently, the in non-interest-bearing BES. The total
company has attracted attention with its number of participants across compa-
strong performance, particularly in gold nies has reached 9 million 692 thousand,
and precious metals funds. In the Individ- and the number of contracts has risen to
ual Pension System (BES), it is possible 11 million 992 thousand. These figures
to build substantial long-term savings indicate a growing trust and interest in
even with small contributions. At Katılım the non-interest-bearing pension system.
Emeklilik, the savings process becomes Katılım Emeklilik offers investors a wide from the growth potential of the tech-
much more advantageous and accessible range of options with 19 different individ- nology sector and wishing to diversify
thanks to attractive opportunities such ual pension funds managed entirely based their investments through combined fund
as interest-free investment funds and on non-interest-bearing principles. As the options. According to April 2025 data,
the system’s 30% state contribution. company providing the highest number despite fluctuations in global markets,
Through this approach, Katılım Emekli- of fund alternatives in non-interest-bear- Katılım Emeklilik’s KEF (Gold) fund de-
lik aims to encourage broader participa- ing individual pension plans, Katılım livered a remarkable return of 36.50%,
tion in BES and contribute to increasing Emeklilik has further strengthened its while the KJM (Precious Metals) fund
Türkiye’s overall savings rate. Katılım leadership with the addition of two new also achieved a notable gain of 28.78%,
Emeklilik General Manager Ayhan Sin- funds to its portfolio: KSH - Technology providing significant earnings to its in-
cek commented on the topic as follows: Sector Participation Pension Investment vestors. Ayhan Sincek commented, “Our
“We believe that BES is a powerful fi- Fund and KFE - Participation Fund Bas- gold fund has risen to sixth place among
nancial tool not only for those with large ket Pension Investment Fund. The funds fourteen pension investment funds across
savings, but for everyone who wants to vary according to the investor’s risk pro- Türkiye. This is a reflection of our exper-
save step by step. With our interest-free file and return expectations, allowing for tise and strategies in fund management.
investment principles, diverse fund op- balanced portfolios and the opportunity We are delivering long-term value appre-
tions, and the advantage of the state for long-term gains. These new funds, ciation in these assets, which are regard-
contribution, we support our customers in particular, have attracted strong in- ed as safe havens by investors.”
in reaching their financial goals.” As of terest from investors seeking to benefit

Allianz Türkiye has been included in the “Türkiye’s Best Employers” list for the fourth
consecutive time

this recognition thanks to its emphasis on expressed their great happiness and
employee development and the innovative pride in being once again listed among
practices implemented through its agile “Türkiye’s Best Employers”, stating:
working model. The “Türkiye’s Best “In the list announced by the Great
Employers” list, compiled by the Great Place to Work Institute, we were
Place to Work Institute—one of the global awarded second place this year in the
authorities on workplace culture and category of companies with over 1,000
employee experience—features companies employees. This success reflects not only
that foster a strong culture of trust and our institutional practices but also the
offer a high-performance workplace contributions, trust, and strong culture we
environment for their employees. Allianz have built together with each and every one
Türkiye succeeded in making the list of our colleagues. Being included in this
for the fourth consecutive year and also prestigious list for four consecutive years
earned second place in the category of once again demonstrates the sustainability
companies with over 1,000 employees. and strength of the work environment we
With its innovative corporate culture and have created together. We will continue to
practices, Allianz Türkiye has once again “This success is a reflection of the strengthen our corporate culture, which
earned a place on the “Türkiye’s Best strong culture we have built together is based on equality, inclusion, employee
Employers” list, compiled by the Great with our colleagues” development and talent management,
Place to Work Institute, for the fourth while offering a flexible and agile working
consecutive year. Allianz Türkiye achieved Allianz Türkiye CEO Tolga Gürkan environment.”