E-meklilik Plan

Steer your future with a single click!

Steering your future has never been this easy! You can swiftly and easily insure your future by joining the Private Pension System with a single click, without having to go to the branch.

Contribution: TRY 235 each month 


Advantageous contribution

You can start saving for your future right now by paying only TRY 235 contribution each month.

TRY 100 from you and TRY 25 from the government

25% government contribution is one of the unique advantages of the Private Pension System. In private pension system, every TRY 100 you pay becomes TRY 125.

Retirement with the most bonus points!

You can transfer the bonus points you’ve collected in your Bonus Card, to your private pension account to save even more.

Flexibility to switch plans and funds!

You can switch to a new private pension plan 4 times during the year, and invest your savings in a plan you deem a better fit for your requirements. To boot, you can choose the funds to invest your savings in, and change the fund distribution 6 times a year.

You control the payments

Private pension plans offer flexible payment options. You can increase your monthly contributions, reduce it to the minimum contribution level of your pension plan and even halt your payments, any time you want.

Withholding benefit!

The return on most investment instruments are taxable; yet the return on the private pension funds is not taxable as long as you remain in the system. Should you leave the system, on the other hand, withholding would apply on the basis of the time you spent in the system.

Important Details

Deferred Entrance Fee

We certainly don’t want to see you go, but should you leave the system or transfer your agreement to another provider in the first 5 years, the total management service fee (Gross Minimum Wage * 8.5% * 5) we had withheld for the 5 years will be charged out of your overall savings at the time of exit, as the exit fee.

Management Fee

In cases an amount equal to the overall minimum contribution figure payable through a year (minimum contribution figure for the plan * 12) is left unpaid, 8.5% of the gross minimum wage as announced during the calendar year shall be deducted off the savings at the beginning of the second year of the contract, as management fee. On each year of the contract, the relevant plan will be checked with reference to the current minimum contribution figure; the said deduction will remain applicable in subsequent years as well, in case the payable amount is left unpaid.