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. Can I change the pension company?

    Yes. If you are not happy with the pension plan you have chosen and the return generated through the pension investment funds, you may change your pension company whenever you wish after your 1 year is up with the pension company which you have entered into an agreement or 1 year after your last change of company.

  2. Devlet Katkısının Üst Sınırı Kaç TL ?

    Bir katılımcıya ödenebilecek devlet katkısı, yıllık brüt asgari ücretin %25'i ile sınırlıdır.

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