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  • Anadolu Hayat Emeklilik

For those who want their child to start life one step ahead

With monthly payments starting from 600 TL, secure your children's future today with the private pension product for those under 18 years of age. As your child grows up, let his/her savings grow with him/her. Moreover, with the advantage of 30% state contribution!

Securing your child’s future is the best way to provide them with a solid financial foundation! With the individual pension product offered by BESVIP Insurance, you can make regular savings for your children under 18, ensuring they have a more advantageous start in life.

Utilize the diverse fund options from Anadolu Hayat Emeklilik to make the most of your savings. As each year passes, your child’s savings will grow, strengthening their financial independence. Additionally, you’ll have the opportunity to further increase your savings with the 30% government contribution. Now is the perfect time to make the best investment for your child and give them a bright future!

Anadolu Hayat Emeklilik

Why Should I Choose?

Make regular savings to contribute to your child's future and ensure their financial security. With IPS for My Child, you can reach big savings from a young age.

  • Pay no entry fee.

  • Grow your savings even more with a 30% government contribution.

  • Secure contribution payments on behalf of your child in case of the parent’s death or total and permanent disability with the contribution payment guarantee.

  • Let your savings be managed by professional portfolio managers.

  • Access social security consultancy services whenever you need them.

  • Enjoy a 30% discount on purchases made on behalf of your child from İş Kültür Publishing’s online store.

  • Strengthen your investments with the Investment Advisory Bulletin prepared by İş Portfolio Management.

  • 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.

  • Earn discounts on Anadolu Sigorta products.

  • Receive discounted services at contracted healthcare institutions.

  • Take advantage of additional benefits and services to secure your child’s future.

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.

Touch the Future of Both Your Child and Nature...

“My Child’s Pension Plan” brings hope to nature for your child’s future.

Did you know that while securing your child’s future today with our “My Child’s Pension Plan,” you are also supporting nature education for middle and high school students?

As Anadolu Hayat Emeklilik, while securing the future of children today with the “My Child’s Pension Plan,” we also support the TEMA Foundation. In this way, we contribute to the nature education efforts conducted by the foundation to strengthen the ecological literacy skills of middle and high school students.

Through ecological literacy training, children and young people get to know the living creatures in nature more closely and become aware of how their daily choices affect nature, enabling them to develop solutions.

Within the scope of our collaboration, we supported the implementation of nature education and activities aimed at raising more than 10,000* children and young people across Turkey, who are familiar with, love, and protect nature by gaining knowledge about soil, water, air, biodiversity, and climate change.

Secure your child’s future with the “My Child’s Pension Plan” and contribute to a sustainable future!

For more information: https://www.tema.org.tr/bagis-ve-destek/kurumsal-isbirliklerimiz/is-birligi-projelerimiz

*As of 31.12.2022, we have supported the participation of 10,217 children and young people in nature education.

How much is the monthly entrance fee?

The minimum monthly contribution amount for this plan is 600 TL. You can increase your savings by making higher payments.

 

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

Detailed Information on Entrance Fee, Deductions and Funds

At the beginningNot Charged

According to individual pension regulations, we do not charge the initial entry fee at the start of the contract.

Between 0-60 monthsCharged

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 date of your contract. We calculate the deduction amount by subtracting the total deductions made up to your withdrawal date from five times the 8.5% of the gross minimum wage.

After the 60th monthNot Charged

If your Individual Pension account remains with us for 5 years from the contract's effective date, and in cases of withdrawal due to death or disability, we do not charge an entry fee.

Management expense deduction; is a monthly deduction from your savings, amounting to one-twelfth of 6.5% of the gross minimum wage from the start of your contract until the end of the 5th year. From the 6th year onwards, no management expense deduction is applied.

If you do not make any payment to your individual pension account within 3 months following the contribution payment date, we consider you to have paused your payments. During the pause, we charge an additional management expense deduction for each full month of the pause, amounting 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 cannot exceed 8.5% of the gross minimum wage per month.

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

According to individual pension regulations, pension companies may apply total fund expense deductions (fund management expenses and expenses related to custody, auditing, transaction costs, etc.) on the net asset value of pension investment funds.

For each pension investment fund in the "Child Pension Plan," we apply fund management expenses and total fund expense deductions as shown in the table below.

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

Note:

  • We refund the total fund expense deduction applied, within certain rates according to the year of your contract (We do not apply a refund for amounts less than 1.1% of your existing savings as of the deduction calculation date).
  • The refund is applied at a rate of 2.5% from the 6th year of your contract.
  • Between the 7th and 14th years of your contract, we increase the previous year’s refund rate by 2.5 percentage points each year.
  • From the 15th year onwards, we apply a fixed refund rate of 25%.
  • The refund process started on January 1, 2021.
  • When determining the refund rate, we will consider the entire duration of your contract from January 1, 2013, onwards.

Frequently Asked Questions

Here are the answers to the most frequently asked questions about IPS for My Child.

Yes. According to the Law No. 7319, which came into effect on May 25, 2021, amending the Insurance Law and Other Related Laws and a Decree Law, it is now possible to open a private pension account for individuals under 18 years of age.

Yes. Individuals under 18 years old can benefit from state contribution advantages under the same conditions as other participants.

A private pension account for individuals under 18 years old can be opened through their legal representatives. Legal representatives can be the child's guardian or trustee.

Since there have been no changes to the Law No. 4632 in this regard, the state contributions, minimum stay period, and retirement conditions applicable to private pension agreements remain valid for agreements involving children as well.

Contributions can be made by individuals other than the legal representatives, provided that permission is granted by the legal representatives. These individuals can be registered as "contributing person on behalf of the participant" in the agreement.

Contact Form

You can contact us to get information about IPS for My Child and to send your questions.

    +90 532 379 17 05
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