Individual Pension System (IPS)

A Regular Savings Model Securing Your Financial Future

Maintaining workplace life standards into retirement years requires disciplined and accurate financial planning today. The Individual Pension System (IPS) is a long-term, secure personal savings model supported by government incentive mechanisms. As FND Insurance, we prepare customized pension plans to alleviate your future financial anxieties and grow your savings through professional fund management processes. Thanks to our Ankara-based expert staff and strategic partnerships with Turkey’s strongest life and pension companies, we build a financial roadmap fully aligned with your personal income balance and future goals.

The most attractive and verifiable advantage of the system is the government contribution incentive, which directly adds value to your savings. For every contribution paid, government support at rates determined by legal regulations is added to your account, giving your savings financial momentum right from the start. In the IPS plans you join under the guidance of FND Insurance, you can set monthly, quarterly, or annual payment periods that do not strain your budget, and you can revise your investment tiers upward or downward at any time based on changing life circumstances.

Professional Fund Management and Flexible Investment Options

Savings collected in the Individual Pension System are invested in funds matching your risk perception and return expectations by licensed portfolio management companies supervised by the Capital Markets Board (CMB). Depending on your financial reflexes, fund baskets can be created with conventional (interest-bearing), interest-free (participation), gold, foreign currency-indexed foreign debt instruments, or equity-weighted assets. As FND Insurance, we closely monitor market dynamics and economic developments to guide you in utilizing your right to change your fund distribution several times a year free of charge in the most rational way.

The system is built on the principles of transparency and security; all your savings and government contribution amounts are kept in accounts registered in your name at Takasbank and monitored under government guarantee. When your retirement period arrives, you can receive your accumulated total capital either as a lump sum or collect it as a regular lifelong salary by converting it into an annuity. We stand by you with our analytical precision and transparent service principles to place your tomorrows under financial security, gain a savings habit, and benefit from government incentives at the maximum limit.