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Interest-Free Retirement Income Plan
You can get a pension after you qualify for retirement by determining the pension period or pension amount according to your repayment plan. When your total savings amount reaches 15,000 TRY, you are entitled to receive a pension. If you have more than one agreement, you can combine your other plans in the Interest-Free Katılım Emeklilik Income Plan when one of your agreements is entitled to retirement.
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Advantages
- You set the repayment amount, duration, and frequency.
- You can receive interim payments or stop your payments.
- You can make use of your savings with options that suit your needs.
Things to Know
- Your pension is paid either depending on the term or the amount. If you choose the term-dependent plan, your total savings will be divided by the payment year you specify, and the first-year pension amount will be calculated. Your first-year income is paid according to your preferred payment period. Every year, on the anniversary of the agreement, your savings on that day are paid by dividing the same by the remaining payment years and by calculating the amount of your pension to be paid in the relevant years. You set the regular income payment amount if you choose an amount-dependent payment plan. You will receive regular income payments until your retirement savings run out.
- The minimum pension you can receive in your retirement is 250 TRY.
- You can either keep your pension fixed or set it to be as high as the annual Consumer Price Index (CPI) increase rate or 3 points above the CPI increase rate on the anniversary of the agreement.
- You can receive your pension on a monthly, quarterly, or annual basis. You can change your repayment period up to 2 times a year.
- If you wish, you can receive repayments up to 5% of your savings amount twice a year, apart from your pension. You can leave the system at any time by taking all your savings.
- You can change plans 4 times and funds 12 times a year.
In Katılım Emeklilik ve Hayat A.Ş., you will receive services in accordance with the Interest-Free Insurance Concept and the principles of Interest-Free Insurance. In all of our products, your funds are used in investment instruments that comply with the principles of interest-free insurance.
Possible Savings Calculation
Let’s calculate the possible amount of savings you will get in your retirement.
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