"The State Contribution Rate in BES has been Reduced to 20%, What Should the Investor Do?"

BES State Contribution Rate Reduced to 20%

Significant changes have occurred regarding the state contribution rate provided under the Individual Retirement System (BES). From now on, the state contribution rate applied to Turkish Lira payments made to individual retirement accounts will be 20%. Previously, this rate was at 30%, making it an important source of income for investors.

New Regulation and Implementation Date

This change in state contribution will come into effect on January 1, 2026. According to the new regulation, excluding contributions made by employers, the rate applied to the contributions made by individuals participating in the individual retirement system has been determined to be 20% in Turkish Lira. This situation signifies an important change for individuals investing in the retirement system.

Additional State Contribution Opportunities

In addition, provided that employees do not exercise their right of withdrawal, the additional state contribution amount given once at the time of entry into the system has been set at 500 Lira. This extra contribution aims to help investors increase their savings.

Evaluation for Investors

The intense changes made in the individual retirement system necessitate that investors reassess their strategies. The decrease in state contribution will affect investment returns, making it crucial for investors to create a clear plan. Investors should review their own contributions and make future plans in accordance with these changes.

In conclusion, these changes occurring in BES should be taken into account to validate individual retirement plans, and new strategies must be developed.