Investment Funds

Through Investment Funds, you can increase your savings by minimizing risks.

What is an Investment Fund?

• An Investment Fund is based on the principle that your savings are managed by professional managers to be invested in various money and capital market instruments.
• You can co-invest in the investment instruments in the fund's portfolio with other people and get a share of the return.

Investment Fund Advantages

• You can trade in KSV, KLU, and KTV funds 24/7 within certain limits through Kuveyt Türk Participation Bank.
• These funds are managed by experienced managers who constantly follow the markets.
• To minimize risk, fund managers distribute the investments in the pool in a way that benefits shareholders.
• Investment Funds can be easily liquidated when necessary.
• Funds are divided into two different types in terms of flexibility and liquidity advantages:

 Open-ended Investment Funds allow you to liquidate investments with high liquidity easily.

 Closed-end investment Funds allow you to invest on the basis of real-time prices.

• Until 31.12.2023, a 0% withholding tax will be applied to earnings from all instruments except variable, mixed, Eurobond, external borrowing, foreign, hedge funds, and Investment Funds with foreign currency in their names. Our legal clients are not subject to withholding tax on Investment Funds.
• According to the regulation in the Corporate Tax Law, there is an exemption for the earnings obtained from the participation shares of Investment Funds that do not hold foreign currency-denominated assets and gold and other precious metals and other capital market instruments based on them in their portfolios.

Considerations When Investing in an Investment Fund

• Before investing, you can determine your return expectations by considering your needs. If you want to increase your income, save money, or contribute to your finances, it is in your best interest to take steps in line with your goals.
• You can thoroughly research the fund you intend to invest in. You can contact the institution that owns the fund for this purpose. 
• Focus on how much risk you can take when investing. Then, you can learn the risks of the fund you want to invest in and keep in mind that they may arise at any time.
• You should set a limit for yourself when investing in a fund. Knowing what to do in scenarios where the fund may lose or gain value will help you make rational decisions. For this, you can monitor the past performance of the fund you choose. You can obtain a chart showing how much the fund has earned monthly or annually from newspapers or ask your bank.
• You can make transactions through Kuveyt Türk Mobile, Internet Branch, and TradePlus to save time and energy.

Participation Funds Established and Managed by KT Portfolio

Daily Return and Low-Risk Funds

KTV - KT PORTFOLIO SHORT-TERM LEASE CERTIFICATES PARTICIPATION (TRY) FUND

• At least 80% of the total fund value is invested in short-term lease certificates issued by the domestic public and private sectors with the approval of the Advisory Board in participation accounts.
• It is a short-term lease certificate participation fund. The monthly weighted average maturity of the fund portfolio is 25-90 days.
• It is especially suitable for short-term investments since it can be traded with same-day value date.
• You can buy and sell the fund at any time without being bound by maturity.
• The risk level is low as it invests in fixed-income products.
• Risk Scale: 2

KSV - KT PORTFOLIO SHORT-TERM PARTICIPATION HEDGE (TRY) FUND

• At least 80% of the total fund value is invested in short-term lease certificates issued by the domestic public and private sectors with the approval of the Advisory Board in participation accounts.
• It is a short-term lease certificate participation fund. The monthly weighted average maturity of the fund portfolio is 25-90 days.
• It is especially suitable for short-term investments since it can be traded with same-day value date.
• According to CMB regulations, only qualified investors can trade.
• You can buy and sell the fund at any time without being bound by maturity.
• The risk level is low as it invests in fixed-income products.
• Risk Scale: 2

KLU - KT PORTFOLIO MONEY MARKET PARTICIPATION (TRY) FUND

• The total fund value is invested predominantly in short-term lease certificates and participation accounts issued by the domestic public and private sectors, especially in committed transactions based on lease certificates approved by the Advisory Board.
• Since it is a Money Market Participation Fund, the weighted average maturity of its portfolio calculated daily is a maximum of 45 days.
• It is especially suitable for short-term investments since it is possible to make transactions with same-day value dates.
• You can buy and sell the fund at any time without being bound by maturity.
• The risk level is low as it invests in fixed-income products.
• Risk Scale: 1

Stock Funds

KPC - KT PORTFOLIO PARTICIPATION STOCK (TRY) FUND (STOCK INTENSIVE FUND)

• At least 80% of the fund's total value is invested in domestic equities that comply with the principles of participation and are approved by the Advisory Board. A maximum of 20% is invested in domestic public and private sector lease certificates and participation accounts.
• The fund is suitable for those who wish to invest at least 80% in stocks included in the Participation Index.
• The fund is updated according to the analysis of experienced fund managers, committee decisions, model portfolios, and market developments.
• You can buy and sell the fund at any time without being bound by maturity.
• Risk Scale: 6

KTM - KT PORTFOLIO FIRST PARTICIPATION (TRY) FUND

• A minimum of 15% and a maximum of 80% of the total fund value is invested at variable rates in domestic stocks that comply with interest-free finance principles and are approved by the Advisory Board. At least 20% is invested in domestic public and private sector lease certificates and participation accounts.
• The fund is suitable for those who wish to invest in capital market products such as fixed-income lease certificates, participation accounts, etc., as well as stocks included in the Participation Index.
• The fund's content is updated according to the analysis of experienced fund managers, committee decisions, model portfolios, and market developments.
• You can buy and sell the fund at any time, regardless of maturity.
• Risk Scale: 4

KPU - KT PORTFOLIO SECOND PARTICIPATION STOCK (TRY) FUND (STOCK INTENSIVE FUND)

• At least 80% of the fund's total value is invested in domestic equities that comply with the principles of participation and have been approved by the Advisory Board. Besides, a maximum of 20% is invested in domestic public and private sector lease certificates and participation accounts.
• The fund targets a portfolio of companies determined to be traded at a discount based on fundamental analysis with solid growth potential in the coming years and suitable for long-term investment at a high discount to the net asset value.
• The content of the fund is updated according to the analysis of experienced fund managers, committee decisions, model portfolios, and market developments.
• You can buy and sell the fund at any time, regardless of maturity.
• Risk Scale: 6

Precious Metals Funds

KZL - KT PORTFOLIO SUPPORT TO RED CRESCENT GOLD PARTICIPATION FUND

• At least 80% of the total fund value is invested in gold and gold-based domestic capital market instruments approved by the Advisory Board; a maximum of 20% is invested in domestic public and private sector lease certificates and participation accounts approved by the Advisory Board.
• The fund is suitable for those who wish to invest in gold and gold-based capital market instruments.
• It provides a return parallel to gold prices within the framework of interest-free finance principles.
• You can have the opportunity to invest in GR Gold through Kuveyt Türk Participation Finance Institution.
• You can buy and sell the fund at any time without being bound by maturity.
• Risk Scale: 7

KUT - KT PORTFOLIO PRECIOUS METALS PARTICIPATION FUND

• At least 80% of the fund's total value is invested in precious metals (Gold, Silver, Palladium, and Platinum) and domestic capital market instruments based on precious metals; a maximum of 20% is invested in domestic public and private sector lease certificates and participation accounts approved by the Advisory Board.
• It is suitable for those who wish to invest in precious metals and capital market instruments based on them.
• The fund's content is updated according to the analysis of experienced fund managers, committee decisions, model portfolios, and market developments.
• You can buy and sell the fund at any time without being bound by maturity.
• Risk Scale: 7

Foreign Exchange Funds

KDL - KT PORTFOLIO FIFTH PARTICIPATION FREE (FOREIGN CURRENCY) FUND

• 100% of the total fund value is invested in foreign currency (USD) denominated participation accounts.
• According to CMB regulations, only qualified investors may trade in the fund.
• The fund is suitable for those who wish to invest their USD savings and cash flows in short-term, low-risk investments.
• You can buy and sell the fund at any time without being bound by maturity.
• Since it invests in fixed-income products, the risk of losing principal is very low.
• It is more advantageous than time deposit accounts with a 10% withholding tax for real persons and without a specific maturity limit.
• Transactions can only be realized through Kuveyt Türk Participation Financial Institution.
• Risk Scale: 1 (USD) - 7 (TRY)

KAV - KT PORTFOLIO SIXTH PARTICIPATION FREE (FOREIGN CURRENCY-EURO) FUND

• 100% of the total fund value is invested in foreign currency (Euro) denominated participation accounts.
• According to CMB regulations, only qualified investors may trade in the fund.
• The fund is suitable for those who wish to invest their EURO savings and cash flows in short-term, low-risk investments.
• You can buy and sell the fund at any time without being bound by maturity.
• Since it is invested in fixed-income products, the risk of loss of principal is very low.
• It is more advantageous than time deposit accounts with a 10% withholding tax for real persons and without a specific maturity limit.
• Transactions can only be realized through Kuveyt Türk Participation Financial Institution.
• Risk Scale: 1 (EURO) - 7 (TRY)

KTT - KT PORTFOLIO FOURTH PARTICIPATION FREE (FOREIGN CURRENCY) FUND

• At least 80% of the total value of the fund is invested in foreign currency (USD) denominated lease certificates and participation accounts issued by the public and private sectors with the approval of the Advisory Board.
• Only qualified investors may trade in the fund in accordance with CMB legislation.
• The fund is suitable for those who want to earn regular rental income in foreign currency by investing in medium and long-term lease certificates and participation accounts.
• You can buy and sell the fund at any time, regardless of maturity.
• Risk Scale: 3 (USD) - 7 (TRY)

Multi-Asset Funds

KCV - KT PORTFOLIO MULTI-ASSET PARTICIPATION FUND

• The fund portfolio is managed by taking macroeconomic data, statistical analysis, market conditions, and risk-return expectations into account.
• Portfolio diversification is ensured by actively managing the Multi-Asset management model and strategic asset allocation.
• Within the scope of the fund strategy, it aims to achieve medium and long-term returns by investing in money and capital market instruments by the principles of participation.
• The fund is suitable for those who wish to invest in capital market products such as fixed-income lease certificates, participation accounts, etc., as well as domestic and foreign stocks and precious metals included in the Participation Index.
• The content of the fund is updated according to the analysis of experienced fund managers, committee decisions, model portfolios, and market developments.
• You can buy and sell the fund at any time without being bound by maturity.
• Risk Scale: 5

Foreign Stock Issued Funds

KSR - KT PORTFOLIO SUSTAINABILITY PARTICIPATION FUND

• The total fund value is mainly invested in the stocks and lease certificates of domestic and foreign companies that give importance to the environment, society, and corporate governance in accordance with the ESG (Environmental, Social, Governance) criteria approved by the Advisory Board.
• It is suitable for those who want to invest in lease certificates and domestic and foreign stocks of companies that meet sustainability criteria.
• It is the first participation-based Mutual Fund where you can also invest in USD-denominated foreign shares and foreign lease certificates.
• The content of the fund is updated according to the analysis of experienced fund managers, committee decisions, model portfolios, and market developments.
• You can buy and sell the fund at any time without being bound by maturity.
• Risk Scale: 6

Funds for General Clients

Funds for Qualified Clients

Which Channels Can I Use to Transact for Investment Funds?

• You can make transactions related to Investment Funds from all banks and brokerage houses, especially Kuveyt Türk Participation Bank.
• You can use Kuveyt Türk Mobile, Internet Branch, and TradePlus to make transactions easily.

Frequently Asked Questions about Investment Funds