Housewives Pension Plan

Why Should I Choose?

Housewives should also have retirement security and look to the future with confidence. By saving with the Housewives Pension Plan, you can achieve financial comfort in your retirement.

Benefit from a 30% government contribution.
Receive your savings either as a lump sum or as a regular pension income upon retirement.
Shop with a 30% discount on İş Kültür Publishing’s online store.
Secure your contribution payments with the contribution payment guarantee in case of your spouse’s death or total and permanent disability, or if you are single, in case of your own total and permanent disability.
Let professional portfolio managers handle your savings.
Guide your investments with the Investment Advisory Bulletin prepared by İş Portfolio Management.
Access social security consultancy services whenever you need them.
In emergencies, take advantage of the land ambulance and health consultancy services offered by S.O.S. International Ambulance Service Inc. for free. Additionally, enjoy a 30% discount on ambulance services for yourself in non-emergency situations and for your first-degree relatives in both emergency and non-emergency situations.
Receive discounted services at contracted healthcare institutions.

Contribution Payment Guarantee

With the premium payment coverage, we continue to make contributions for your child’s future, even if you are not there, by paying the contributions on behalf of your child for up to 10 years.

With this coverage, in the event of the death or total and permanent disability of the parent after the start of the individual pension contract, the contribution payments made on behalf of your child are secured.

The monthly contribution amount covered is the minimum contribution defined under the “My Child’s Pension Plan” as of the date of death or total and permanent disability. If there is an increase in the minimum contribution of the plan, payments are made based on the new amount.

Only participants of individual pension contracts who regularly pay contributions under the “My Child’s Pension Plan” and who have made at least one contribution payment in the last 12-month period of the contract retroactively from the date of death or total and permanent disability can benefit from this coverage.

Under the Premium Payment Coverage, the contributions corresponding to the period from the date the individual pension contract comes into effect to the date of the parent’s death or total and permanent disability, are covered regularly by Anadolu Hayat Emeklilik A.Ş. for the remaining period after deducting the period corresponding to the contributions required to be paid until that date, from the 10-year period.

To benefit from this coverage, the “My Child’s Pension Plan Coverage Claim Form” must be filled out and submitted to Anadolu Hayat Emeklilik A.Ş. along with the required documents. To claim coverage due to total and permanent disability, a document obtained from official health institutions showing that total and permanent disability has occurred according to the conditions specified in the social security legislation must be submitted.

To benefit from the coverage, the participant’s parent must not have a pre-existing condition that would result in death or total and permanent disability before the individual pension contract comes into effect, and death or total and permanent disability must occur within the contract period.

No payment will be made under the Premium Payment Coverage if the person paying the contribution on behalf of the participant is not the participant’s parent. The premium payment coverage becomes invalid if the participant is legally of age or declared of age.

Anadolu Hayat Emeklilik A.Ş. reserves the right to make changes to the content and conditions of this additional benefit.

How much is the monthly entrance fee?

The minimum monthly contribution amount for this plan is 850 TL. You can increase your savings by paying a higher amount.

You can make contribution payments indexed to USD or EUR; with monthly, quarterly, semi-annual, or annual periods; and via credit card, automatic payment instructions, or cash.

Detailed Information on Entrance Fee, Deductions and Funds

Entry Fee

InitiallyNot Collected

According to the individual retirement legislation, we do not collect the initial entry fee at the start of the contract.

Between 0-60 monthsCollected

If you terminate your account within the first 60 months, a deferred entry fee will be deducted from your savings. The amount of this deduction varies depending on the time elapsed since the start of your contract. We calculate the deduction amount by subtracting the total deductions made up to your termination date from five times 8.5% of the gross minimum wage per month.

After the 60th monthNot Collected

If your individual retirement account remains with us for 5 years from the effective date of the contract and in cases of separation due to death or disability, we do not apply an entry fee deduction.

Management Expense Deduction

Management expense deduction; is a monthly deduction of one-twelfth of 6.5% of the gross minimum wage from your savings, applied until the end of the 5th year of your contract. Starting from the 6th year, we do not collect management expense deductions.

If you do not make any payments to your individual retirement account within 3 months following the contribution date, we consider you to have suspended payments. In case of a payment suspension, we collect an additional management expense deduction from your savings for each full month of suspension, equal to one-twelfth of 8.5% of the gross minimum wage.

The total of management expense deductions, additional management expense deductions, and entry fee deductions for the relevant year of your contract does not exceed 8.5% of the gross minimum wage per month.

Note: We apply gross minimum wage amounts as specified by legislation. If we have not collected management expense deductions and initial entry fees during the first 5 years of your contract, we will collect these amounts in the years following the 5th year of your contract.

Fund Total Expense Deduction

According to individual retirement legislation, retirement companies can make a fund total expense deduction (fund management expense deduction and expenses related to fund custody, auditing, transaction costs, etc.) from the net asset value of retirement investment funds to cover the fund’s expenses.

For each retirement investment fund in the "Child's BES Plan," we apply fund management expenses and total expense deductions at the rates listed in the table below.

Fund Name	Fund Management Expense Deduction	Fund Total Expense Deduction (Maximum)
Bono Fund (AH1)	% 0.00510 daily (% 1.85 annual)	% 0.00525 daily (% 1.91 annual)
Money Market Fund (AH2)	% 0.00275 daily (% 0.99 annual)	% 0.003 daily (% 1.09 annual)
First Public External Debt Instruments Fund (AH3)	% 0.00510 daily (% 1.85 annual)	% 0.00525 daily (% 1.91 annual)
Second Public External Debt Instruments Fund (AH4)	% 0.00510 daily (% 1.85 annual)	% 0.00525 daily (% 1.91 annual)
Equity Fund (AH5)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)
Developed Countries Variable Fund (AH6)	% 0.00550 daily (% 2.00 annual)	% 0.00625 daily (% 2.28 annual)
Cautious Variable Fund (AH8)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)
Balanced Variable Fund (AH9)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)
Aggressive Variable Fund (AH0)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)
Participation Standard Fund (AGE)	% 0.00521 daily (% 1.90 annual)	% 0.00525 daily (% 1.91 annual)
S&P 500 Fund Basket Fund (ABE)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)
Gold Fund (BGL)	% 0.002877 daily (% 1.05 annual)	% 0.00300 daily (% 1.09 annual)
Private Sector Debt Instruments Fund (AHC)	% 0.00510 daily (% 1.85 annual)	% 0.00525 daily (% 1.91 annual)
Aggressive Variable Fund (AHL)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)
Standard Fund (ATK)	% 0.00510 daily (% 1.85 annual)	% 0.00525 daily (% 1.91 annual)
Gold Participation Fund (AEA)	% 0.00296 daily (% 1.07 annual)	% 0.00300 daily (% 1.09 annual)
İş Bankası Participation Index Fund (ATE)	% 0.00520 daily (% 1.89 annual)	% 0.00525 daily (% 1.91 annual)
Sustainability Equity Fund (BHS)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)
Technology Sector Equity Fund (BHT)	% 0.00605 daily (% 2.20 annual)	% 0.00625 daily (% 2.28 annual)

Note:

We refund the fund total expense deduction we apply according to specific rates based on the year of your contract (we do not refund for amounts below 1.1% of your savings as of the calculation date).
We apply a refund rate of 2.5% starting from the 6th year of your contract.
Between the 7th and 14th years of your contract, we increase the refund rate from the previous year by 2.5 percentage points each year.
From the 15th year onwards, we apply a fixed refund rate of 25%.
The refund process began on January 1, 2021.
When determining the refund rate, we will consider the entire period during which your contract has been valid since January 1, 2013.

Frequently Asked Questions

Here you can find the questions about the Housewives Pension Plan.

What is the Individual Pension System?

The Individual Pension System (BES) is a savings and investment system that allows you to make regular contributions from today to maintain your standard of living during retirement, supported by government contributions.

Who can join the Individual Pension System?

Anyone can join the Individual Pension System. With the regulation that came into effect on May 25, 2021, even those without legal capacity can benefit from the advantages of the individual pension system through their legal representatives.

If I can retire from the Social Security Institution, why should I choose the individual pension system?

The pension you receive from the Social Security Institution may not be sufficient to maintain your standard of living during retirement as you did while working.

To address this need, the Individual Pension System (BES) comes into play. BES is not an alternative to the mandatory social security system but a complementary system that aims to provide additional income during your retirement and increase your standard of living.

Additionally, the Individual Pension System offers a unique government contribution advantage not found in any other investment tool, with a government contribution of 30% of every contribution you make added to your account.

Can I transfer the premiums paid to the Social Security Institution and the rights I have earned from there to the individual pension system?

BES is not an alternative to the social security system; it is a complementary system. Joining BES does not affect your relationship with the Social Security Institution. Payments made to the social security system and BES are independent of each other, and it is not possible to transfer your rights and entitlements between the systems.

Contact Form

+90 532 379 17 05

For women without social security or who want to invest in their future