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Valuable Savings Plan

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Valuable Savings Plan

Add value to your future today with Katılım Emeklilik’s Valuable Savings Participation Plan.

You can join the plan by paying 12,000 TRY for one time as the initial contribution and then with a monthly contribution of 3.275 TRY; you can save quickly for your retirement without any interruptions and management expense deductions for your contribution payments. You will be entitled to retire after reaching the age of 56, provided that you have been in the system for at least 10 years since entering the personal pension system.

Advantages

Benefit from 20% government contribution that is not available in any other investment.
Receive your savings collectively or as a regular salary as you wish.
You can choose the payment plan that best suits your budget.
You get more savings with interim payments.
No suspension fees and management expenses are received.

Things to Know

You can apply for the Valuable Katılım Emeklilik Plan at Albaraka Türk and Kuveyt Türk branches.
You can participate in the Valuable Savings Plan with an initial contribution of 12,000 TRY, so you can quickly start using your savings in the funds.
If you leave before the end of the 5th year of the agreement, the deferred participation fee shall be charged. For each contract year, from the total amount corresponding to the period until the end of the 5th year to the leaving date and the amount corresponding to 8.5% of the Monthly Gross Minimum Wage to be applied in the relevant calendar year, the portion not deducted as a management fee and/or suspension deductions and/or participation fee in cash shall be deducted from the savings as the deferred participation fee. MGMW to be applied in the relevant calendar year of the leaving date shall be taken into account in the calculation of the deduction for the uncollected years.
You can increase your contribution according to your income level and expectations, and you can increase your savings with additional contribution payments.
You can make your payments from a bank account or credit card.
There is no management expense deduction in the Valuable Saving Katılım Emeklilik Plan.
In order to retire in the Personal Pension system, you must stay in the system for at least 10 years and complete the age of 56. If you wish, you can use your retirement right at a later date and continue to save with the same advantages.
You can use your savings in Katılım Emeklilik* mutual funds. You make the fund distribution yourself, or you can choose from our fund suggestions that are suitable for you.

*Personal pension mutual funds established by Katılım Emeklilik ve Hayat A.Ş. are managed by Albaraka Portföy Yönetimi A.Ş., KT Portföy Yönetimi A.Ş., and QInvest Portföy Yönetimi A.Ş.

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.

* MGMW (Monthly Gross Minimum Wage)