Fund Size in BES Exceeded 2.4 Trillion Lira

The Individual Retirement System (BES) and the Automatic Participation System (OKS) continue to play a pioneering role in helping Türkiye achieve its long-term savings goals. Recent data announced by the Retirement Monitoring Center (EGM) shows that the total fund size of both systems has reached 2 trillion 401 billion 481.7 million lira. The total number of participants in the system reached a record level, standing at 18 million 52 thousand 474. These figures confirm that citizens' trust in the system for accumulating savings for the future is increasing. Aimed at ensuring individuals maintain their welfare levels during retirement, the system also provides billions of lira in resources to the national economy.

Looking solely at the Individual Retirement System (BES), the number of participants reached 10 million 304 thousand 546 as of the first half of the year. The total size of participant funds and state contributions in this area reached 2 trillion 248 billion 252.7 million lira. Another important indicator of the system's success is that the number of people who have retired from BES so far has risen to 487 thousand 118. These data prove that the system is established not just as a savings tool, but as a robust structure securing the future of millions of people. The fact that the system, which started in 2003, is about to complete its 23rd year is the biggest proof that it has become a deep-rooted and reliable structure.

The Automatic Participation System (OKS) is also operating quite effectively in the strategy to increase the country's savings rate. According to the data for the first six months of the year, the total size of OKS, including employee fund amounts and state contributions, reached 153 billion 229 million lira. In this context, the number of participants registered in the system was recorded as 7 million 747 thousand 928. In the combined picture of the two systems, 2 trillion 116 billion 113 million lira of the total fund consists directly of money saved by participants. The remaining portion of 285 billion 368.7 million lira consists of contribution funds provided by the state through the system.

The interest in the system and the rate of increase in funds during the first half of the year also demonstrated a remarkable momentum. Having closed the year 2025 with 17 million 935 thousand 495 participants and a fund size of 2 trillion 163 billion 164.7 million lira, the system experienced a visible leap in just a short period of six months. During this six-month period, the total fund amount in BES and OKS increased by 238 billion 317 million lira, achieving an impressive growth performance of 11 percent. In the same period, 116 thousand 979 new participants were included in the BES pool, and the rate of increase in the number of individuals in the system was realized as 0.7 percent. This steady growth reveals that despite economic fluctuations, citizens are turning towards long-term investment instruments.

Within the scope of the Individual Retirement System's vision for future generations, accounts opened for children also constitute one of the main dynamics of growth in the system. Thanks to the implementation introduced in Haziran 2021, children under the age of 18 are encouraged to be voluntarily included in the system. As of the first half of the year, the fund size of participants under the age of 18 reached 100 billion 713.9 million lira, of which 80 billion 611.5 million lira consists of funds saved by families. While there are 1 million 718 thousand 943 children in the system, the fact that the highest participation occurs in the zero age group indicates that parents tend to secure their children's future starting from infancy. The addition of another 15 billion 730.5 million lira to children's BES piggy banks in the last six-month process proves that the societal reception of this special practice is increasing day by day.