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TML TÜRKİYE HAYAT VE EMEKLİLİK A.Ş. BİRİNCİ YAŞAM DÖNGÜSÜ EMEKLİLİK YATIRIM FONU Türkiye Hayat ve Emeklilik

Yaşam Döngüsü/Hedef Risk 5/7
 
 
 
+0.44% past month
Summary

TML primarily holds hisse senedi and is a high-risk fund (5/7). Over the past year it returned 31.0%; 0.85% below official inflation. With an annual 2.15% management fee, it trades in the Yaşam Döngüsü/Hedef Fon category. Launched in 2021, it manages 143M ₺ in assets across 5,049 investors. (Average position: ~28.2K ₺)

Risk 5/7
NOMINAL RETURN · 1Y
+31.0%
CPI 32.1%
USD 16.8%

Real -0.85% (after inflation), compared with TÜİK-CPI (32.1%).

Fund Size
143M ₺
Total portfolio value
Net Flow
-3.9M ₺
monthly net in/out
Management Fee
2.15%
Charged from the fund whether you gain or lose.
Max Expense Ratio
2.28%
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.
HS40.2%YFKP14.2%VİNT12.6%Mevduat (TL)10.7%TPP9.63%YHS8.51%
  • Hisse Senedi 40.2%
  • Yatırım Fonu Katılma Payı 14.2%
  • Vadeli İşlemler Nakit Teminatı 12.6%
  • Mevduat (TL) 10.7%
  • Takasbank Para Piyasası 9.63%
  • Yabancı Hisse Senedi 8.51%
  • Diğer 4.21%
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 +0.44%
3 Months -0.26%
6 Months +6.11%
YTD +13.8%
1 Year +31.0%
3 Years +224%
Holdings
  • Hisse Senedi 40.2%
  • Yatırım Fonu Katılma Payı 14.2%
  • Vadeli İşlemler Nakit Teminatı 12.6%

📋 Profile

ISIN code TRYVFEM00389
Founder TÜRKİYE HAYAT VE EMEKLİLİK A.Ş.
Portfolio manager firm PHİLLİP PORTFÖY YÖNETİMİ A.Ş.
Inception date 2021-12-28
Fund term SÜRESİZ
Independent auditor PwC BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş
Risk value 5
Volatility (1Y) 13.0%
Max Drawdown (1Y) -7.57% (Mar 2026)

⏱️ Settlement & Trading

Buy settlement T+1
Sell settlement T+2

📞 Contact

ContactLevent Mahallesi, Çayırçimen Sokağı Vakıfbank Apt. No:7, 34330 Beşiktaş / İSTANBUL
Tel0 212 310 37 00
Faks0 212 310 39 91
e-Posta[email protected]
Authorized contacts
Nesrin KAYĞUN MÜDÜR
02123103700 [email protected]
Müşteri İletişim Merkezi
08502022020 [email protected]

Fund Profile

What is the TML fund?

TML is a pension fund managed by Türkiye Hayat ve Emeklilik. It is offered through the Turkish pension (BES) system under the code TML, in the Yaşam Döngüsü/Hedef category.

How has the TML fund performed?

It returned 31.0% over the past year, in nominal terms. Adjusted for official inflation (TÜFE), its 1-year real return is -0.85%. Year to date it is 13.8%. Over 3 years it returned 224%.

What does the TML fund hold?

Portfolio allocation: Hisse Senedi 40.2%, Yatırım Fonu Katılma Payı 14.2%, Vadeli İşlemler Nakit Teminatı 12.6%.

What does the TML fund cost?

The annual management fee is 2.15%. Its total expense ratio is 2.28%.

How much withholding tax does the TML 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.