Investment Products

Yapı Kredi offers a wide range of mutual funds designed in accordance with different risk and return preferences. The investment strategies of each fund are differentiated among equity markets, government bonds and money markets.

Mutual Funds

Yapı Kredi offers a wide range of mutual funds addressing to different risk and return preferences. Mutual fund types is written below:

• Money Market Umbrella Fund
• Fixed Income Umbrella Fund
• Equity Umbrella Fund
• Balanced Umbrella Fund
• Participation Umbrella Fund
• Rare Metals Umbrella Fund
• Fund Basket Umbrella Fund
• Variable Umbrella Fund
• Capital Protected Umbrella Funds
• Hedge Umbrella Funds

As of Friday, 9 January 2015, Turkish Electronic Fund Buy and Purchase Platform (TEFAS) founded by Takasbank, has been put into practice. Together with the initiation of the Platform, the funds of other institutions can be bought or sold by our investors while the funds of our bank can be bought or sold by other fund distributors. For more detailed information about the Platform, the web site https://www.tefas.gov.tr/ prepared by Takasbank can be visited.

Fund Based Investment Products

Fund Purchase by Credit Cards

You can give regular or single fund purchasing order with your Yapı Kredi credit card or demand deposit account.

You can give the fund buying instruction by credit cards through branches, Internet Banking and 444 0 444 Telephone Banking.

Managed Fund Account

The Managed Funds Account is an investment product in which 3 different Fund Packets are included, each containing the Mutual Funds of Yapı Kredi, with different risk and yield potential and at various rates.

• Packet 1: Having low risk preference and suitable for investors evaluating their investments in medium term treasury bills or bills and bond funds and aiming at yield with active management.
• Packet 2 : Suitable for investors investing in medium to long term bills/bonds or bills and bond funds, also intending to benefit from the yields in stock market under suitable market conditions and aiming at a yield over alternative investment tools in the medium and long run.
• Packet 3 : Suitable for investors intending to benefit from the yield opportunities in stock market, aiming at high yield in the long run and not avoiding taking risk.

Working Account

With the Working Account, your money is invested automatically in mutual fund(s) from the moment you make a deposit into your demand deposit account until you need the cash. The Working Account checks your demand deposit account daily and invests the amount between the Bank’s lower and upper limits on your behalf by purchasing Yapı Kredi Asset Management Working Account Short-term Bonds and Bills Fund.

You can withdraw as much cash as you have in your Working Account anytime you wish. When you withdraw cash, your fund term is automatically terminated. According to your instructions, the Working Account performs all of your banking transaction such as credit card, bill, or regular payments (rent, installment and so on) on time by using a sufficient amount of funds.

Working account transactions can be done through branches, Internet Banking and 444 0 444 Telephone Banking.

Kartopu (Personal Accumulation Account)

"Kartopu" invests your money in mutual funds automatically in accordance with your risk profile and investment preferences. Depending on your choice of mutual funds in which the investment will be made, Kartopu account provides purchasing investments funds and saving them, in the name of you or your loved ones regularly in accordance with your instruction you shall give relating to your Yapı Kredi credit card or demand deposit account.

You can either invest in “Ilk Param”* (Personal Accumulating Account) accumulating for your children, acquaintances, relatives and/or give as a gift card for your loved ones.

You can give regular fund purchasing order with Kartopu or Ilk Param with your Yapı Kredi credit card or demand deposit account. Ilk Param and Kartopu ordering and selling transactions for your own account can be done through branches, Internet Banking and 444 0 444 Telephone Banking. Ilk Param and Kartopu ordering and selling transactions for your loved ones can just be done through branche and Internet Banking.

Ilk Param (Personal Accumulation Account)

“Ilk Param”* is a long term savings account, which shall grow up together with your child with every step of him/her. It invests your money in mutual funds automatically in accordance with your risk profile and investment preferences. Depending on your choice of mutual funds in which the investment will be made, Ilk Param account automatically invests the balance within your current account in these funds.You can invest in Ilk Param accumulating for your children, acquaintances, relatives and/or give as a gift card for your loved ones.

You can give regular fund purchasing order with Ilk Param with your Yapı Kredi credit card or demand deposit account. Ilk Param ordering and selling transactions for your own account can be done through branches, Internet Banking and 444 0 444 Telephone Banking. Ilk Param ordering and selling transactions for your loved ones can just be done through branche and Internet Banking.

Please consult your branch for more information about Yapı Kredi mutual funds and fund based investmen products.

Discretionary Portfolio Management

Yapi Kredi offers financial solutions to individual and institutional investors with respect to their risk appetite and pursues to establish long term relationships with its customers in management of custom-tailored portfolios by suggesting creative solutions based on asset distribution and financial consultancy.

Portfolio Advisory

Yapı Kredi offers portfolio advisory service designed to develop customized investment plans for customers who wish to have information and recommendations with respect to the developments in financial markets and who are in need for professional wealth management support. Yapı Kredi gives support to these customers in decision making in capital and financial markets with its active position in the capital markets and experienced staff by taking customers' long and short term financial goals, risk appetite and cash requirements into consideration.

Other Investment Alternatives

Equities: Equities are risky and very volatile capital market instruments, therefore, investing in equities requires a close follow up of financial markets. You can utilize our expertise and invest in equities quoted on ISE (İstanbul Stock Exchange) through our branches, Call Center and Internet Banking.

Warrants: Warrants are risky capital market instruments. Investors can make a lot of money with warrants, can also suffer considerable losses. They are categorized as derivative financial instruments. Every warrant is linked to an underlying asset. The performance of the underlying is reflected in the price of the warrant. You can utilize our expertise and invest in warrants quoted on ISE (İstanbul Stock Exchange) through our branches, Call Center and Internet Banking.

Turkdex: The Turkish Derivatives Exchange (Turkdex) where futures and options contracts which are based on currencies, indexes, bonds, interest rates, and commodities are traded. It’s located on İzmir. You can utilize our expertise and invest in trading contracts quoted on Turkdex through our branches, Call Center and Internet Banking.

Treasury Bills & Government Bonds: ou can purchase TL and FX denominated Treasury Bills and Government Bonds issued by Turkish Government through our branches and internet banking..

Eurobonds: You can purchase Eurobonds of Turkish Government through our branches and internet banking.

Pioneer Funds: Pioneer Funds invest in equities, long-term treasury bills and government bonds all over the world that gives you the advantage of keeping in line with global trends in the global financial markets. There are 16 Pioneer funds in which you can invest* through Yapı Kredi branches.

US Citizens are not allowed to invest in Pioneer Funds due to the related regulations.