Bes
10 articles tagged “Bes”
Katilim BES in 2026: Interest-Free Retirement After the State Match Cut
The state match on BES contributions fell from 30% to 20% in January 2026, and the OKS bonus was halved. What the new math means for katilim savers, who the five real providers are, and where the fees hide.
Katilim Emeklilik Review (2026): The Flagship of Interest-Free Pensions
Twenty katilim funds, named scholars, published icazet certificates, a signed annual compliance report, and the fund that beat all 394 rivals in 2025. Also: fee schedules that take real digging. The full review.
Bereket Emeklilik Review (2026): Rural Reach, Thin Disclosure
Turkey's first interest-free pension company reaches savers through nearly 1,600 agricultural cooperatives, runs an all-katilim 10-fund shelf, and will not tell you who sits on its sharia committee. Reviewed.
Turkiye Hayat Katilim Plans Review (2026): The Zero-Fee Contract Nobody Advertises
The state pension giant sells the widest-access katilim BES in Turkey, and quietly, the best-priced one: bring 25,000 TL and the management deduction disappears. The Temel and Saglam Temel plans, dissected.
Anadolu Hayat Katilim BES Review (2026): A Certificate for Everything
No provider documents its katilim line like the Is Bankasi group's pension arm: a downloadable icazet certificate for every plan and every one of seven funds, plus child and armed-forces variants nobody else bothers with.
The Best Katilim BES Plans in Turkey (2026), Compared Without Mercy
Five providers sell interest-free BES contracts. One deletes the management fee entirely, one publishes certificates for everything, one names nobody. The plan-by-plan arithmetic, verified August 2026.
How to Start a Katilim BES in 2026: The Step-by-Step Guide
Opening an interest-free pension in Turkey takes an afternoon. Doing it well takes this checklist: plan selection, deduction schedules, fund allocation and the 20% match, walked through step by step.
How to Use BEFAS to Upgrade Your Katilim Pension (2026)
Your BES contract does not limit you to your provider's funds. BEFAS lets any saver buy any company's katilim funds, including 2025's table-topper. The mechanics, the rules and the discipline.
Zakat on Stocks, Funds and BES in Turkey (2026): A Working Method
Katilim equities, participation funds, gold funds, BES balances: how Turkish investors calculate zakat on portfolio wealth. The trader-versus-holder distinction, the fund look-through problem, and the pension question, handled honestly.
The BES State Match Cut to 20%: What Actually Changed in 2026
Turkey cut the BES state contribution from 30% to 20% this year. Here is the arithmetic, the cap, how katilim plans handle the match, and why fees just became the most important line in your contract.