Automatic participation limit in BES increased in 2026
The scope of automatic participation in the private pension system was expanded and contribution limits were increased.
The scope of automatic participation in the private pension system (BES) has been expanded. With the new regulation, contribution limits have also been updated.
New Edit
As of 2026:
- Automatic enrollment scope has been expanded to workplaces with 5 or more employees
- Minimum contribution rate increased from 3% to 4%
- State contribution ceiling increased to 35%
- Withdrawal period reduced from 2 months to 1 month
Number of Participants
Currently:
- Total number of BES participants: 16.8 million
- Automatic enrollment: 8.2 million
- Voluntary participation: 8.6 million
- Total fund size: 420 billion TL
Fund Performances
The average return of BES funds in 2025 was 38%. Stock funds provided the highest return.
Expert Review
Pension experts state that increasing the automatic participation limit will significantly increase retirement savings in the long term.
Sigortada Bugün'un BES ve hayat sigortası editörü. Bireysel emeklilik sistemi, hayat sigortası ürünleri ve devlet katkısı mekanizmalarını mercek altına alarak tasarruf bilincine katkı sağlıyor.
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