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CFD QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş. DIŞ BORÇLANMA ARAÇLARI EMEKLİLİK YATIRIM FONU QNB Sağlık Hayat Sigorta ve Emeklilik

Dış Borçlanma Araçları Risk 6/7
 
 
 
+0.55% past month
Summary

CFD primarily holds döviz kamu i̇ç borçlanma aracı and is a high-risk fund (6/7). Over the past year it returned 26.3%; 4.43% below official inflation. With an annual 1.85% management fee, it trades in the Dış Borçlanma Araçları Fonu category. Launched in 2019, it manages 196M ₺ in assets across 1,054 investors. (Average position: ~186K ₺)

Risk 6/7
NOMINAL RETURN · 1Y
+26.3%
CPI 32.1%
USD 16.8%

Real -4.43% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
196M ₺
Total portfolio value
Net Flow
-11.5M ₺
monthly net in/out
Management Fee
1.85%
Charged from the fund whether you gain or lose.
Max Expense Ratio
1.91%
Annual cap for all expenses.
Withholding
%5–15
Varies by exit condition.
Withholding — By Exit Condition
  • 10 yıldan az kalıp ayrılma %15
  • 10 yıl+, emeklilik hakkı kazanmadan ayrılma %10
  • Emeklilik, vefat veya maluliyet nedeniyle ayrılma %5
Charged on the gain, upon exit from the system.
DKİBA60.4%ÖSDBA28.5%
  • Döviz Kamu İç Borçlanma Aracı 60.4%
  • Özel Sektör Dış Borçlanma Aracı 28.5%
  • Yabancı Kamu Borçlanma Aracı 5.04%
  • Takasbank Para Piyasası 3.90%
  • Yatırım Fonu Katılma Payı 0.98%
  • Vadeli İşlemler Nakit Teminatı 0.77%
  • Diğer 0.41%
Purchasing Power
₺ TÜFE
Period
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Nominal Return · —
—
Unit-share return for the selected period. Pick a benchmark on the chart for purchasing power.
Return
1 Month +0.55%
3 Months +3.32%
6 Months +7.74%
YTD +8.91%
1 Year +26.3%
3 Years +136%
5 Years +635%
Holdings
  • Döviz Kamu İç Borçlanma Aracı 60.4%
  • Özel Sektör Dış Borçlanma Aracı 28.5%
  • Yabancı Kamu Borçlanma Aracı 5.04%

🎯 Declared Strategy

Comparison benchmark: %60 BIST-KYD KAMU EUROBOND USD (TL) + %15 BIST-KYD KAMU EUROBOND EUR (TL) + %10 BIST-KYD OSBA EUROBOND USD (TL) + %10 BIST-KYD REPO (BRUT) + %5 BIST-KYD 1 AYLIK MEVDUAT USD

📋 Profile

ISIN code TRYFNEM00212
Founder QNB SAĞLIK HAYAT SİGORTA VE EMEKLİLİK A.Ş.
Portfolio manager firm QNB PORTFÖY YÖNETİMİ A.Ş.
Inception date 2019-10-10
Fund term SÜRESİZ
Independent auditor GÜNEY BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.
Risk value 6
Volatility (1Y) 4.46%
Max Drawdown (1Y) -3.36% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+3

📞 Contact

ContactBarbaros Mah. Kardelen Sok. Palladium Tower No:2 Kat:28-29 34746 Ataşehir/İstanbul, Türkiye
Tel02164680300
Faks02164112848
e-Posta[email protected]
Authorized contacts
Şeref DURNA Grup Müdürü
0(212)-336 7300 [email protected]
Elif BİLMEZ Birim Müdürü
0(216)-468 0300 [email protected]
Özlem UKAL Müdür Yardımcısı
0(216)-468 0300 [email protected]
Yiğit KARAMAN Müdür Yardımcısı
0(216)-468 0300 [email protected]
Müşteri İletişim Merkezi -
0850 222 0 860 [email protected]

Fund Profile

What is the CFD fund?

CFD is a pension fund managed by QNB Sağlık Hayat Sigorta ve Emeklilik. It is offered through the Turkish pension (BES) system under the code CFD, in the Dış Borçlanma Araçları category.

How has the CFD fund performed?

It returned 26.3% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -4.43%. Year to date it is 8.91%. Over 5 years it returned 635%.

What does the CFD fund hold?

Portfolio allocation: Döviz Kamu İç Borçlanma Aracı 60.4%, Özel Sektör Dış Borçlanma Aracı 28.5%, Yabancı Kamu Borçlanma Aracı 5.04%.

What does the CFD fund cost?

The annual management fee is 1.85%. Its total expense ratio is 1.91%.

How much withholding tax does the CFD fund carry?

Withholding is charged on the gain and ranges %5–15, depending on how you exit:

  • 10 yıldan az kalıp ayrılma %15
  • 10 yıl+, emeklilik hakkı kazanmadan ayrılma %10
  • Emeklilik, vefat veya maluliyet nedeniyle ayrılma %5

Rates are estimates; consult your tax advisor about your own situation.

Not investment advice

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1Y return
The information here is for informational purposes only and is not investment advice. Past performance does not guarantee future results. Source: TEFAS.