You can participate in the Special Pension Plan monthly with 1.145 TL and up contribution.

You can also pay your contribution payments on a monthly, quarterly, 6-month or annual basis.

You will be entitled to retirement at the age of 56, provided that you have been in the system for at least 10 years from the date of your entry to the private pension system.

There is no entry fee at the initial stage of the Special Pension Plan.

About Private Pension System Plan

Special Pension Detailed Information

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 in the relevant fiscal year 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 entrance fee.

**GMWA to be implemented in the first 6 months of 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.

Administrative Expenses Fee

Based on contract year since contract has been effective:

For the 1st year 80 TL

For the 2nd year 40 TL

For the 3rd year 40 TL

For the 4th year 40 TL

For the 5th year 40 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 Special Pension Plan is 1.145 TL.

**GMWA: It is the monthly amount of gross minumum wage to be applied in the year related fiscal year for each contract year.

*** Private Pension investment funds founded by Katılım Emeklilik and Hayat A.Ş are managed by Q invest Portfolio Management.