With the Comfy Pension Plan, start saving from today without forcing your budget with payments starting from 190 TL per month, and relax in your retirement.
Your savings increase with the 30% state contribution. You will be entitled to your retirement by completing the age of 56 provided that you have been in the system for at least 10 years from the date of entry into the private pension system.
There is no entry fee at the initial stage of Comfy Pension.
In case of quiting before the 5th year of the contract, the delayed entrance fee will be charged. For each contract year, the amount corresponding to 8.5% of GMWA to be implemented shall be deducted from the total amount corresponding to the period until the end of the fifth year of the contract, the uncollected portion and / or the prepaid portion are deducted from the accumulation as delayed entry fee.
**GMWA to be implemented in the related fiscal year of seperation date is taken into consideration when calculating the deductions for uncollected years.
No delayed entry fee will be collected from those who have completed the fifth year, or seperated from the plan either due to death or disability, or using their right for retirement.
***Your savings in the private pension system will be directed to the funds you will set. If you wish, you can choose the available fund distribution, and if you wish, you can make a choice among the fund distributions that we offer in the plan according to your preference.
Based on contract year since contract has been effective:
For the 1st year GMWA * 8,5% TL
For the 2nd year GMWA* 6% TL
For the 3rd year GMWA* 6% TL
For the 4th year GMWA* 6% TL
For the 5th year GMWA* 6% TL
will be collected.
The deduction amounts deducted from the accumulation in the plan shall not exceed the annual and 5 year deduction upper limits specified in the legislation.
The deductions to be made during the contract year will be applied at the maximum rates specified in the legislation. Regarding the amount of AEF to be taken from accumulation;
The first deduction from the accumulation will be deducted from the accumulation within the first year of the contract following the funding of the contribution. The deductions defined in the plan for the following years will be deducted from the accumulation within the relevant contract year.
In case deductions to be taken from accumulation in the plan cause the total accumulation to go down below TL 0, the amount that cause to go down below TL 0 cannot be collected. The amount that is not collected will be collected in the related contract year when there is available balance.
*The minimum contribution rate varies depending on the inflation rate every year. The amount for 2022 in the Comfy Pension Plan is 190 TL.
**GMWA equals monthly amount of gross minumum wage in the relevant calendar year for each contract year.
*** Private Pension investment funds founded by Katılım Emeklilik and Hayat A.Ş are managed by Qinvest Portfolio Management