Retirement
14 articles tagged “Retirement”
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.
Garanti BBVA Emeklilik Katilim Review (2026): The Best-Documented Window
Named scholars, five years of published icazet certificates, and the only OKS fee table in Turkey you can actually read: all six katilim funds at 0.85%. The window done right, with one structural catch.
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.
Katilim OKS Plans Compared (2026): Garanti Printed a Price, Everyone Should
Three providers compete for your workplace's interest-free auto-enrolment mandate. Only one publishes its fund fee: 0.85% on all six funds. The comparison employers actually need, 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.
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.
OKS Auto-Enrolment Explained: The 60 Days That Decide Your Workplace Pension
Turkey's workplace pension enrols you automatically and gives you 60 days to decide. Here is how OKS works in 2026: the halved 500 TL bonus, the 1.09% fee cap, and how to keep it interest-free.
KJM Returned 139% in 2025. Here Is Why You Should Not Chase It
A katilim fund beat all 394 pension funds on BEFAS last year. The number is real, the lesson is not the one the headlines sold, and chasing it now is how good years create bad investors.
Retirement Income Without Interest: How to Get Paid in the Decumulation Years
Accumulating halal savings is a solved problem in Turkey. Turning them into a monthly income without touching interest is the harder half, and the toolkit is smaller but real. Here is how it works.