Private Pension System (BES)
Secure Your Future Starting Today
Life moves fast… We’re constantly busy with work, responsibilities, and family. But at some point, a question arises in all of our minds: “What will happen in the future?” The best way to confidently answer that question is by planning your future today.
The Private Pension System (BES) allows you to turn your small savings into a secure and comfortable future. You can make regular payments, have your money managed by professionals, and enjoy government contributions. This way, you can look to the future with peace of mind.
When you retire, imagine not relying only on a basic pension, but instead having a second income thanks to your savings. Spend time with your loved ones, travel, and live life the way you want — it all starts with a smart step today.
BES is your safety net, your investment, and your freedom. You control how much to contribute, when to pause or increase it. And the government adds 30% on top of your contributions — supporting your savings.
It doesn’t require a high income — BES is flexible and accessible. Your future is in your hands.
What is the Private Pension System?
BES is a state-supported long-term savings and investment system. You make regular contributions, which are managed by expert fund managers. When you retire, you receive these savings as an additional income.
One of its biggest advantages is the 30% government contribution. If you save 1000 TL, the government adds 300 TL — significantly growing your future savings.
With BES, small regular steps today lead to a secure and independent retirement tomorrow.
Why Should You Choose BES?
Life expectancy is increasing, but retirement income doesn’t always match the cost of living. BES creates a second income stream and financial freedom for your future.
- Government Contribution: 30% extra on what you invest.
- Professional Fund Management: Your savings are managed by experts to maximize returns.
- Flexibility: You can change, pause, or increase your payments anytime.
- Tax Advantages: Enjoy tax benefits when withdrawing your savings at retirement.
- Regulated & Secure: The system is monitored by SPK and EGM to protect your money.
How Does BES Work?
You make monthly contributions, which are invested in funds you choose — based on your risk preference:
- Low-Risk Funds: More stable, lower returns.
- Medium-Risk Funds: Balanced risk and reward.
- High-Risk Funds: Potentially higher returns over time.
You can change your fund allocation at any time as your goals evolve.
When Can I Withdraw My Money?
You can access your money anytime, but to fully benefit from the system, you must:
Stay in the system for at least 10 years and be 56 years old.
At that point, you can choose to receive your money all at once or in monthly payments — the most efficient way to enjoy full returns and bonuses.
If you exit earlier, you may lose some of the government contributions and face deductions — but your invested funds are always safe and working for you.
Who Can Join BES?
Anyone over 18 years old can join the Private Pension System. No special conditions are required. It’s your personal path to financial security.
Even children under 18 can now benefit! Parents can open a BES account for their children, helping them build a strong financial foundation early in life.