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Investment Funds

What is an Investment Fund?

An investment fund is an investment vehicle based on the principle of managing savings collected from investors by professional portfolio managers in order to invest in various money and capital market instruments. 

Each investor becomes a unitholder  by purchasing fund participation units representing a fraction of the portfolio owned by the fund.  Investment fund fund participation units are instruments that grant the investor fractional ownership in the fund’s portfolio.

What are the Advantages of Investment Funds?

  • Your savings are managed by professional portfolio managers who continuously monitor the markets, saving you time.
  • Risk is reduced through portfolio diversification across various types of securities held in the investment fund’s portfolio. These investment instruments include:
    • Lease Certificates
    • Participation Accounts
    • Equities (Stocks)
    • Gold and Other Precious Metals
    • Other Non-Interest-Bearing Money and Capital Market Instruments
  • They provide access to international instruments that are otherwise difficult for individual investors to access.
  • Capital gains/value appreciations in the fund portfolio are reflected daily in investors' accounts and can be easily converted into cash.

Frequently Asked Questions

How to purchase an investment fund?

By opening an investment account through our bank’s branches or mobile banking, you can execute buy-sell transactions for investment funds compliant with participation banking principles.

Is there a commission on investment fund purchases?

No commission is charged for buying or selling investment fund units.

How are investment funds taxed?

Capital gains realized by individual investors from the purchase and sale of fund participation shares are subject to a withholding tax rate of 17.5%. For legal entities, no withholding tax applies.

Gains derived from equity-intensive funds traded on TEFAS are exempt from withholding tax, regardless of whether the holder is a real or legal entity.

Realized profit is calculated based on the FIFO (First In, First Out) principle, and withholding tax is deducted over this profit amount.

Investors are not required to pay tax unless they redeem/sell their fund units.

Is there a limit on investment fund purchases?

For funds with a settlement period, a minimum purchase limit of TRY 100 applies.  Additionally, specific limit parameters may apply to the particular fund you wish to purchase.

Where can I track investment fund prices, returns, trading hours, and analytics?

You can track detailed information regarding all funds at www.tefas.gov.tr.

Can I cancel my investment fund orders?

You can submit your investment fund order cancellation requests via Mobile & Internet Banking until the order cancellation cut-off time. 

Cancellation cannot be performed for orders exceeding the cut-off time. 

Order cancellations can be processed via Mobile Banking by navigating to Investments – Investment Fund Transactions – My Investment Fund Orders.

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