Investment at Garanti BBVA

Investment instruments that enable you to invest your savings


Garanti BBVA Mutual Funds are investment instruments that enable you to invest your savings in a portfolio of various capital market instruments such as repo, bonds and stocks. The mutual funds that are effectively managed by our professional fund managers diversify the risk and aim to maximize returns. Furthermore, you don’t have to open a separate account for your mutual fund transactions as you can perform them through your existing current accounts.

Through , Paramatik, 444 0 333 Garanti BBVA Customer Communication Center and Garanti BBVA branches, you can keep track of the daily performance of your mutual funds and carry out your transactions.

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  • Features

    Professional management: Your mutual funds are managed by Garanti Asset Management with expertise and experience. Our fund managers keep track of transactions such as maturities, dividend payments and coupon payments for you.

    Risk Diversification: Mutual funds diversify the risk by investing in different investment instruments such as repo, bonds and stocks and aim to maximize returns.

    Liquidity: You can sell your mutual funds anytime you want. If you wish, by taking advantage of our Cash Now service, you can immediately cash in your mutual funds that have a notification period, without having to wait out the period.

    Transparency: You can get daily, weekly and monthly information regarding the value of your mutual fund from newspapers and periodicals, and through Internet Banking, Paramatiks, 444 0 333 Garanti BBVA Customer Communication Center and our branches.

    Asset Protection: The assets that exist in a mutual fund belong to the shareholders of the fund. They are held in custody at Takasbank on behalf and account of the mutual fund. While a mutual fund is a legal entity, the assets of the fund is separate from the assets of the founder. Furthermore, in accordance with the Capital Market Law, the assets of the fund cannot be pledged, put up as collateral  and be levied by third parties. Mutual funds are audited by the Capital Markets Board and independent audit institutions.

    What should you take into consideration when investing in a mutual fund?

    • You should make your selection by taking the fund’s comparison criteria into consideration and track the performance of the fund comparatively with these criteria values.
    • In your mutual fund selection, you should also consider the market expectations.
    • When analyzing returns, you should always keep in mind that past performance does not guarantee future returns.
  • Taxation

    Effective since October 1, 2006, the taxation of the gains secured through mutual fund transactions has been changed within the scope of the temporary article no: 67 of the Income Tax Law. This is not a new taxation and calculation system, but rather a change in the collection method of the calculated tax.

    The New Tax System

    The scope of the withholding of tax at source (stoppage) applied since 2006 on the investment instruments over the investors’ gains will also include mutual funds as of October 1, 2006 (Income Tax Law, provisional article no: 67).

    With this implementation;

    • The gains that the investor secures by selling the fund participation certificate will be subject to a 10% stoppage tax. Therefore, the stoppage cut applied on a daily basis over the  value appreciation of the mutual fund portfolio has been isolated from the mutual fund.

    The stoppage tax which was;

    • 15% over the value appreciation of the fund portfolio, until July 22, 2006 
    • 10% over the value appreciation of the fund portfolio, from July 23, 2006 until September 30, 2006

     has been changed as;

    • 10% over the gains secured by the investor, since October 1, 2006.

    Advantages of The New Tax System

    • Fund Performance Measurement: Stoppage will be applied over the investor’s gains, not over the portfolio earnings. The change in the method of tax collection will have a positive impact on the fund earnings and will make the measurement of performance easier.
    • Not paying the tax within the fund: Shifting the stoppage tax outside the fund as of October 2006 will have a significant impact in terms of the fund’s earnings.
    • Convenience in Reporting and Calculation: The method of reporting and calculation of the stoppage tax in commercial transactions has become more clearer compared to the implementation in effect before October 1, 2006. 
    • Exemption: No stoppage tax will be due on gains secured through the sale of mutual fund participation certificates if at least 51% of the mutual fund portfolio consists of stocks on a continuous basis and the participation certificate is kept for more than 1 year before tit is sold.
    • Payment of the tax at the time of the sale: No tax will be due as long as the participation certificate held by the fund investor is not sold.

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