Help & Advice

Are my savings secure? What happens if the pension company encounters financial troubles?

Your savings in the Private Pension System are completely secured. The pension investment fund assets purchased with the contribution payments that you have made are held in custody at Takasbank. The assets of the pension company and the pension investment fund assets are separate. In accordance with the Law No: 4632 on Private Pension Savings and Investment System, article 17, Fund assets cannot be pledged, put up as collateral, be levied by third parties and included in the bankruptcy estate.
Necessary legal regulations have been introduced to ensure the security of the Private Pension System. The Pension Supervision Center monitors the operations of pension companies on daily basis. Additionally, the whole system is overseen by the Treasury Department and the CMB.
You can reach the legislation regarding Private Pension through

  1. How often can I change the distribution of the contribution amounts among the funds within the pension plan?

    In the Private Pension System, there are pension plans as products, and pension investment funds within each pension plan.

  2. Who is Garanti Asset Management?

    Operating since 1997, Garanti Asset Management is a 100% subsidiary of Garanti Bank A.Ş. The company provides investment fund management and corporate portfolio management services.

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