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Individual Retirement​

The individual pension system is a savings system that allows you to make regular savings starting today to provide an additional income during your retirement period.

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General Information

Individual Pension System

The individual pension system is a savings system that allows you to make regular savings starting today to provide an additional income during your retirement period. If you reach the age of 56 and remain in the system for at least 10 years, you will receive additional income during your retirement. When you become eligible for retirement, you can withdraw your savings in a lump sum, regularly based on a repayment plan you define, or purchase an annual income insurance product.

Within the framework of your retirement plan, you have the right to choose the fund you want to invest in, select the level of risk you desire, and change your choices up to 12 times a year. Your savings are managed by professional fund managers in retirement investment funds.

Indıvıdual Retirement for Under 18s

As of July 2021, you can also include your children under 18 in the system as participants, contribute on their behalf, and receive a 30% state contribution payment for the contributions made. Since the participant child is under 18, the contract is signed by the legal representative and the child is enrolled in the Individual Pension System.

With the contribution payment protection guarantee in the 'My First Pension' plan, if one of the parents passes away, MetLife continues to pay the minimum amount defined in the plan until the participant child reaches the age of 18.

Since 2013, you can increase your savings by receiving a 30% state contribution on the contribution payment amounts paid. The total annual state contribution for all owned individual pension contracts cannot exceed 30% of the annual gross minimum wage.

Positive Plan Retirement Plus Plan My First Pensionary Retirement
Start saving for your retirement with the Positive Plan from today. Add value to your future with the Retirement Plus Plan. My First Pensionary for our children's future.
The minimum monthly contribution amount for this plan is 150 TL. The minimum monthly contribution amount for this plan is 1,000 TL or 100 TL with an initial deposit of 20,000 TL. The minimum monthly contribution amount for this plan is 150 TL.
Contribution Payment Protection Guarantee
In the event of the death of the payer who is a parent, MetLife covers the minimum contribution payments defined in the plan for the child until they reach the age of 18.
Education Support Assistance Service
From career coaching to psychological counseling, child health and medical consultation services, and hobby clubs, you can obtain support for your child with a range of benefits.
Joining Fee
8.5% of the gross minimum wage is collected in 4 equal installments. For contracts that have not completed 5 years in the system for transfers and exits; the joining fee and management expense deduction made until the participant's departure date are deducted from the upper limit of the total deduction that can be made within the 5-year period.		 Joining Fee
None! For contracts that have not completed 5 years in the system for transfers and exits; the joining fee and management expense deduction made until the participant's departure date are deducted from the upper limit of the total deduction that can be made within the 5-year period.		 Joining Fee
An amount equal to 8.5% of the gross minimum wage is collected in 4 equal installments. For contracts that have not completed 5 years in the system for transfers and exits; the entry fee and management expense deduction made until the participant's departure date are deducted from the upper limit of the total deduction that can be made within the 5-year period.
Management Expense Deduction
No management expense deduction is applied in the first year of the contract. A fixed amount corresponding to 8.5% of the gross monthly minimum wage for each year between the 2nd and 5th years is collected at the beginning of the contract year by deducting it from the accumulations. From the 6th year of the contract onwards, no deductions are made under entry fees and management expenses.		 Management Expense Deduction
None!		 Management Expense Deduction
No deduction is applied for the first year of the contract. For each year between the 2nd and 5th year, a fixed amount equivalent to 8.5% of the gross monthly minimum wage is collected from the accumulated savings at the beginning of the contract year. From the 6th year of the contract onwards, no deductions are made within the scope of entrance fees and management expenses.
  • 30% Government Contribution
  • 4 times a year, the right to change plans
  • 12 times a year, the right to change funds
  • Ability to make payments on a monthly, quarterly, semi-annual, or annual basis
  • With all plans, you can invest your savings in the investment fund of your choice at MetLife.