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.

Retirement Plan for members of the Turkish Armed Forces

You realised your childhood dreams, now it is time for your retirement dream!

Retirement Plan for members of the Turkish Armed Forces;

  • Civil servants working within the organisation of the Turkish Armed Forces,
  • Staff of foundations conducting activities for the Turkish Armed Forces,
  • Staff working at subsidiaries and indirect partnerships of these foundations and their spouses and children at or above the age of 18,
may also benefit from the Retirement Plan for members of the Turkish Armed Forces.
By the Retirement Plan for members of the Turkish Armed Forces, you may choose the most appropriate funds among our wide range of fund alternatives, according to your investment preference, and you receive professional portfolio management services from İş Portföy Yönetimi (Portfolio Management) and benefit from the state subsidy.
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 the related calendar year.

Individual Accident Insurance Coverage:

When you are involved in the Retirement Plan for members of the Turkish Armed Forces, you shall benefit from the annual group individual accident policy coverage, on the condition that you pay your contribution amounts regularly. Insurance compensation amount shall be calculated as 150 times your monthly regular contribution amount and that amount shall be limited to TRY 20.000 .

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 the Retirement Plan for members of the Turkish Armed Forces.

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 preceeding 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 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 Retirement Plan for members of the Turkish Armed Forces 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.

If you prefer automatic as the payment method, it shall be sufficient that you fill in the automatic payment instruction forms of our contracted banks which are indicated below and deliver these​ forms to your Bank.

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

Entrance Fee :

In the Retirement Plan for members of the Turkish Armed Forces, an entrance fee in the amount of 4.25% 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 effective 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
4.25% 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 deduction and additional administration cost deduction within the period of contract.

Administration Cost Deduction:

We decrease the administration cost deduction, which can be charged in the amount of 8.5% of the monthly gross minimum wage according to the private pension legislation, down to 0% depending on the amount of contribution paid in the Retirement Plan for members of the Turkish Armed Forces.




If the total contribution amount paid within the first 5 years of the contract is
As of the 6th year
below TRY 12.000;
Not Charged
one-twelfth of 8.5% of the monthly gross minimum wage is charged
Not Charged
between TRY 12.000 (included) – TRY 24.000;
Not Charged
one-twelfth of 4.25% of the monthly gross minimum wage is charged
Not Charged
over TRY 24.000; it is not charged
Not Charged


Total Contribution Amount Paid: It is the total contribution amount paid as of the effective date of the account until the date when administration cost deductionshall be 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 administration cost deductionin the amount of one-twelfth of 8.5% of the monthly gross minimum wage shall be charged 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 private pension 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 Retirement Plan for Members of the Turkish Armed Forces; 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 January 1st, 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 Eurobond $ Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AH4- AHE Eurobond € 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 International Mixed Fund
0,00550 % daily (2,00 % annually)
0,00625 % daily (2,28 % annually)
AH8- AHE Conservative Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH9- AHE Balanced Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH0- AHE Aggressive Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AGE- AHE Alternative Income 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 Bonds Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AHL- Dynamic Balanced 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 Alternative Contribution Fund
0,00096 % daily (0,35 % annually)
0,001 % daily (0,365 % annually)