If you want to maintain your current standard of living during retirement by making regular savings, this plan is perfect for you. Choose the funds that best suit your investment preference from our wide range of fund alternatives and receive professional portfolio management services. Plus, with a 30% government contribution, your savings will grow even more.
A special opportunity for those who plan their future today! With the private pension products offered by BESVIP Insurance, you can maintain your current standard of living during retirement. Take advantage of the diverse fund alternatives from Anadolu Hayat Emeklilik, choose the funds that best match your investment preferences, and securely grow your savings with professional portfolio management services.
Moreover, advance towards the future with stronger steps by multiplying your savings with the 30% government contribution advantage. Secure your future with BESVIP Insurance and Anadolu Hayat Emeklilik!
The minimum monthly contribution amount for this plan is 1,000 TRY. You can increase your savings by making higher payments.
You can make your contribution payments indexed to USD or EUR in monthly, quarterly, semi-annual, or annual periods via credit card, automatic payment instructions, or cash.
At the beginningNot Collected
According to the individual retirement regulations, we do not charge an 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, which varies according to the time elapsed since the start of your contract. We calculate the deduction amount by subtracting the total deductions made up to your departure date from five times 8.5% of the monthly gross minimum wage.
After the 60th monthNot Collected
If your Individual Retirement account remains with us for 5 years from the contract effective date, and in cases of departure due to death or disability, we do not apply an entry fee deduction.
Management expense deduction is a monthly deduction from your savings equal to one-twelfth of 6.5% of the gross minimum wage, from the beginning of your contract until the end of the 5th year. From the 6th year onwards, we do not collect management expense deductions.
If you do not make any payments to your individual retirement account within 3 months of the contribution date, we consider you as having paused the payments. In the event of a payment pause, we will collect an additional management expense deduction from your savings for each full month of the pause, at a rate equal to one-twelfth of 8.5% of the gross minimum wage.
The total amount of management expense deductions, additional management expense deductions, and entry fees for the relevant year of your contract cannot exceed 8.5% of the gross minimum wage on a monthly basis.
Note: We apply the gross minimum wage amounts as specified by the regulations. If we have not collected the management expense deduction and entry fee during the first 5 years of your contract, we will collect these amounts in the years following the 5th year of your contract.
Frequently asked questions about the Future Investment Plan are here.
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.
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.
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.
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 us for more information or to ask any questions about the Investing in the Future Plan.
