The Individual Retirement System (BES) is growing as one of the most preferred savings tools in Türkiye. In addition to the 30 percent state contribution in BES, Katılım Emeklilik offers a great savings opportunity with small contributions as the company that offers the most interest-free fund options. The company has recently attracted attention with its successful performance, especially in gold and precious metal funds.
In the Individual Retirement System (BES), it is possible to create a strong savings in the long term even with small contributions. As Katılım Emeklilik, the savings process becomes much more advantageous and accessible with attractive opportunities such as interest-free investment funds and the system's 30 percent state contribution. With this approach, Katılım Emeklilik aims to encourage wider masses to participate in BES and contribute to the increase in Türkiye's savings rates.
Katılım Emeklilik General Manager Ayhan Sincek made the following comment on the subject: “We believe that BES is a powerful financial tool not only for big savers but also for everyone who wants to save in small steps. We support our customers in achieving their financial goals with our interest-free investment principles, various fund options and state contribution advantage.
Savings Exceeding 1 Trillion TL in BES
As of 2025, the total fund amount of participants in the Individual Retirement System (BES) has exceeded 1 trillion 136 billion TL. 412,3 billion TL of this amount is evaluated in interest-free funds and 723,8 billion TL in interest-bearing funds. 19 billion TL of state contribution funds are also included in the interest-free BES. The total number of participants in companies has reached 9 million 692 thousand people, and the number of contracts has reached 11 million 992 thousand. These figures show that trust and interest in the interest-free retirement system is increasing.
Interest-free and Reliable Savings Options
Katılım Emeklilik offers investors a wide range of choices with 19 different individual retirement funds managed entirely based on interest-free principles. Katılım Emeklilik, which is the company that provides the most fund alternatives in interest-free individual retirement plans, has further reinforced this leadership with the addition of two new funds to its portfolio, KSH - Technology Sector Participation Retirement Investment Fund and KFE - Participation Fund Basket Retirement Investment Fund. The funds provide investors with the opportunity to balance their portfolios and achieve long-term gains by diversifying according to their risk profile and return expectations. The new funds in particular have been met with interest by investors who want to benefit from the growth potential in the technology sector and evaluate different funds together.
Strong Performance in Gold and Precious Metal Funds
According to April 2025 data, despite the fluctuations in global markets, Katılım Emeklilik's KEF (Gold) fund provided a remarkable return of 36,50 percent, while the KJM (Precious Metals) fund gained 28,78 percent in value, providing significant gains to its investors.
Ayhan Sincek said, “Our gold fund rose to sixth place among fourteen retirement investment funds across Turkey. This is an indication of our expertise and strategies in fund management. We provide long-term value growth in these assets, which are seen as safe havens for our investors.”
