2025's Highest-Yielding BES Fund Comes from Katılım Emeklilik

In Türkiye, the private pension system (BES) delivered a remarkable performance in 2025 in terms of the number of participants, fund size, and real returns. Within this strong picture, the Kıymetli Madenler Katılım Emeklilik Yatırım Fonu (KJM) [Precious Metals Participation Pension Investment Fund] achieved by far the highest return among all BEFAS funds, delivering a yield of 139%.

In Türkiye, the individual pension system (BES) demonstrated strong growth performance in 2025. While the number of participants in the system exceeded 10 million, the total number reached 18 million, including the Automatic Enrollment System (OKS) [Automatic Enrollment System] and BES for individuals under the age of 18. The total fund size within the scope of BES and OKS exceeded TRY 2 trillion, transforming into an ecosystem of approximately USD 50 billion. In this growth, participation-based funds, whose total size reached nearly TRY 800 billion, stood out in 2025 by delivering real returns above inflation. The performance of asset classes such as gold, precious metals, and lease certificates highlighted once again the importance of BES as a long-term savings and income-supplementing system.

Katılım Emeklilik KJM Fund Became the Highest-Yielding BES Fund in 2025

With a return of 139%, the highest fund yield of 2025 by a clear margin came from the Kıymetli Madenler Katılım Emeklilik Yatırım Fonu (KJM) [Precious Metals Participation Pension Investment Fund]. KJM became the best-performing pension investment fund of 2025 by delivering an annual return of 139% among 394 pension investment funds traded on BEFAS.

In addition to KJM, the Altın Katılım Emeklilik Yatırım Fonu (KEF) [Gold Participation Pension Investment Fund] also closed 2025 with a return of 102.45%, providing investors with gains exceeding 100%. Moreover, KGC, which met investors on September 26, 2025 and has the distinction of being Türkiye’s first silver pension investment fund, achieved a return of 57.46% from its public offering date until year-end. Standing out positively among other funds with its strong performance in a short period of time, KGC also attracted investors’ attention by delivering returns above inflation.

With 20 pension funds structured in line with a 100% interest-free investment principle and placing importance on investors’ expectations and portfolio diversification, Katılım Emeklilik aims to maintain its strong stance on fund returns in 2026 as well.

Commenting on fund performance, Katılım Emeklilik General Manager Ayhan Sincek said: “These strong returns achieved by our funds are the result of our disciplined portfolio management approach, our active management strategies that closely monitor market conditions, and the right asset allocation we have built by adhering to interest-free finance principles. Particularly in the precious metals segment, we aim to provide our investors with sustainable returns above inflation. In 2026, we will continue to offer innovative and strong fund options through which our investors can safely grow their savings.”

Katılım Emeklilik Fund Size Increased by 93% in 2025

Katılım Emeklilik completed 2025 with a fund size exceeding TRY 63 billion, high fund performance, and stable growth. Entering 2025 with a fund volume of TRY 32.79 billion, Katılım Emeklilik increased its fund volume by 92.94% thanks to its strong performance, reaching a fund size of TRY 63.28 billion by the end of 2025.

Katılım Emeklilik General Manager Ayhan Sincek stated that the results achieved are a reflection of the company’s long-term and disciplined investment approach, saying, “We are very pleased to offer real returns to our participants through our high fund performance. In the coming period, we aim to continue our growth in a stable manner with innovative and strong fund alternatives that take the risk-return balance into account.”

International Double Award for Katılım Emeklilik

Katılım Emeklilik, which left behind a year of success, also attracted attention on national and international platforms with its performance throughout 2025. The company’s sustainable growth strategy and innovative product approach were also recognized internationally. Within the scope of the International Finance Awards 2025, Katılım Emeklilik was deemed worthy of the awards “Türkiye’nin En Hızlı Büyüyen Katılım Şirketi” [Türkiye’s Fastest-Growing Participation Company] and “Türkiye’nin En Yenilikçi Sağlık Sigortası Şirketi” [Türkiye’s Most Innovative Health Insurance Company].

Sharing his expectations for 2026, Katılım Emeklilik General Manager Ayhan Sincek emphasized that the achievements were not coincidental, stating: “We will carry our dynamism from 2025 into 2026 as well. With our digitalization efforts and customer-oriented innovative products, we aim to increase our market share in participation insurance. In 2026, we will raise the bar not only in financial growth but also in service quality.”