Göndereceğiniz her bir SMS, Avea ve Turkcell aboneleri için 0,50 kr.; Vodafone aboneleri için 0,40 kr. olarak ücretlendirilecektir. Ücretlendirmeye KDV ve ÖİV dahildir. Operatörün SMS ücretinde değişiklik yapma hakkı saklıdır.

Housewives Pension Plan

We continue make positive discrimination in favour of women!

It is very important for our women to feel themselves safe economically, whether or not they have any social security protection. Based on this idea, we have started a pioneering application in private pension industry and designed a plan special for our women only. Because, we focus on providing the women with the opportunity to be confident about the future.

By this Pension Plan which all women planning to invest for their future, may benefit from, we continue to be company which they prefer and trust the most.

By the Housewives Pension Plan, you may choose the most appropriate funds among our wide range of fund alternatives, according to your investment preference, you receive professional portfolio management services from İş Portföy Yönetimi (Portfolio Management) and benefit from the state subsidy.

We invite all women who are willing to do something today for their future, to examine our plan.

What are my advantages?

State Subsidy:

You may benefit from the advantage of state subsidy at the rate of 25% of the contribution amounts you pay regularly or by a lump-sum payment. Total state subsidy to be provided in a calendar year may not exceed 25% of the annual total gross minimum amount of fees determined for related calendar year.

For detailed information regarding state subsidy please click on.

Contribution Amount Payment Guarantee:

In case of loss of life or full and permanent disability of the spouses of our married participants who are involved within the scope of Housewives Pension Plan and who pay regular contribution amount; contribution shares for the period to be determined by deducting the period from the beginning date of your agreement until occurrence of said incident, from the period of 10 years; shall be regularly paid by our company.

The same implementation shall be made if our single participants suffer full or permanent disability, as well.

Investment Consulting:

You may shape your investment decisions by the "Investment Consulting Bulletin" prepared by İş Portföy Yönetimi (İş Portfolio Management) within the scope of Housewives Pension Plan.

Free emergency ambulance and health consulting services:

In emergency cases, you may benefit from the land ambulance and health consulting services provided by S.O.S. International Ambulans Servisi (Ambulance Service) A.Ş. Costs of these services shall be met by our company. Besides, it is sufficient for you to benefit from these services, just to pay at least one contribution amount within the preceding one year period.

In cases not considered within the scope of emergency cases, you may benefit from the ambulance service with a discount at the rate of 20% and in all cases whether or not considered within the scope of emergency cases, your first degree relatives may benefit from the ambulance service with such 20% discount. For the list of cases considered within the scope of emergency, please click on.

Discount at contracted health institutions:

If you encounter any health problem, you may apply to our contracted health institutions and may benefit from discounted prices. To examine the list of our contracted health institutions, please click on.

You can get Social Security Consultation.

By using this service, which we only provide to our private pension customers, you can direct all the questions you may have on the social security system for yourself and your loved ones, to our consultants.

To fill out the Social Security Consultation form please click.

How much do I have to pay?

You may participate in the Housewives Pension Plan by paying a minimum monthly contribution amount of TRY 169.

You may make your contribution payments as indexed to US Dollars or Euro; in monthly, quarterly, semi annual or annual terms; by credit card, automatic payment instruction or in cash.

Can I have detailed information about entrance fee, deductions and funds?

Entrance Fee:

In the Housewives Pension Plan, an entrance fee in the amount of 8.5% of the monthly gross minimum wage is charged.

The entrance fee amount that is charged in the beginning can be paid in advance or in three installments. The installment option can be preferred in the event that the regular contribution fee is paid by credit card.

In the event that you withdraw from the company, the entrance fee that will be deducted from your savings as the deferred entrance fee shall vary according to the period of time you have remained in the company as of the effective date of the contract. In the event that you remain for 5 years in our company as of the signature date of the contract and also in case of withdrawals due to death or disability, we do not charge any entrance fee.


In the beginning
In case of withdrawal between 0 - 60 months
In case of withdrawal after the 61st month
8.5% of the Monthly Gross Minimum Wage
8.5% of the Monthly Gross Minimum Wage x 5 – (Total of deductions charged until the date of withdrawal *)
Not charged


*Total of deductions refers to the total amount of deductions of entrance fee, administration cost deductionand additional administration cost deduction within the period of contract

Administration Cost Deduction:

Administration cost deductionis not charged within the first year you remain in the Housewives Pension Plan.

Administration cost deduction is deducted monthly from your savings as of the 2nd year of your contract until the end of the 5th year as an amount of one-twelfth of 8.5% of the monthly gross minimum wage. Following the 6th year and on, no administrative expenses fee is charged.

If you do not make any payments to your account within the 3 months following the contribution payment date, you will be considered to have discontinued your payments. In the event that you pause your payments, additional administrative cost in the amount of one-twelfth of 8.5% of the monthly gross minimum wage shall be deducted from your savings for each month you do not make your payment as long as the period you pause to pay.

The total of the administration cost deduction, additional administration cost deductionand entrance fee charged in the related year of the contract shall not exceed 8.5% of the monthly gross minimum wage for each year.

* Gross minimum wage costs are charged according to the procedure stated in the legislation. In the event that there is administrative expenses fee and entrance fee that is not paid within the first five years of the contract, it shall be collected in the years following the fifth year of the contract.

Fund Total Cost Deduction:

According to the private pension legislation it is set that companies can charge fund total cost deduction (fund operation cost deduction and saving, auditing, operation expenses, etc. related to funds) based on the fund net asset value to pay for expenses related to pension investment funds.

In the Housewives Pension Plan; fund operating cost and total fund expenses fee are applied in the rates provided in the table below from each pension investment fund.

Fund total cost deduction shall be refunded to your account at specific rates according to the year of the contract.* Refund operation shall be applied at a rate of 2.5% as of the 6th year of the contract. Between the 7th and the 14th years of the contract, the refund rate valid in the previous year is increased 2.5 points for each year. Following the 15th year and on, 25% rate is applied permanently. Refund operation shall start as of 1st January 2021.

*Refund shall not be applied for the amount below 1.1% of the available saving as of the date of calculating the deduction.



Name of the Fund
Fund operating costs deduction
Fund total costs deduction (Maximum)
AH1 - AHE Bond Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AH2 - AHE Money Market Fund
0,00275 % daily (0,99 % annually)
0,003 % daily (1,09 % annually)
AH3 - AHE First Debt Instruments Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AH4 - AHE Second Debt Instruments Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AH5 - AHE Equity Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH6 - AHE Developed Countries Flexible Fund
0,00550 % daily (2,00 % annually)
0,00625 % daily (2,28 % annually)
AH8 - AHE Conservative Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH9 - AHE Balanced Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH0 - AHE Dynamic Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AGE - AHE Participation Standard Fund
0,00550 % daily (2,00 % annually)
0,00625 % daily (2,28 % annually)
ABE - AHE BRIC Plus Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AHC - AHE Private Sector Debt Instruments Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AHL - AHE Aggressive Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
ATK - AHE Standard Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AEA - AHE Gold Fund
0,00296% daily (1,07% annually)
0,003% daily (1,09% annually)
ATE - AHE Isbank Subsidiaries Index Fund
0,00520% daily (1,89% annually)
0,00525% daily (1,91% annually)
AET - AHE Contribution Fund
0,00096 % daily (0,35 % annually)
0,001 % daily (0,365 % annually)
AER - AHE Participation Contribution Fund
0,00096 % daily (0,35 % annually)
0,001 % daily (0,365 % annually)