About Mutual Funds

Mutual Funds are investment vehicles that allow you to put your savings to work by investing in a portfolio consisting of a variety of capital market instruments such as Repo, Bonds or Equities. Mutual Funds' portfolios are dynamically managed by professional fund managers according to a prescribed strategy so as to disperse risk and maximize returns.

You don't need to open a separate account to trade in Mutual Funds. You can buy and sell funds using any Current/Checking Account that you may have.

The performance of our Mutual Funds can be tracked on a daily basis and you can buy and sell funds conveniently by using Online Banking, Phone Banking (444 0 333 Alo Garanti), Garanti Paramatik ATMs or by visiting Garanti branches.

The advantages of Mutual Funds

Professional Management

Effective management of your investments demands expertise and experience. GarantiBank's Mutual Funds are managed by Garanti Asset Management. Our professional fund managers keep track of all the details such as term, dividend, coupon payments for you so that all you have to do is watch your money grow.

Diversified Risk Exposure

Mutual Funds invest in different instruments such as Repo, Bonds or Equities according to a prescribed strategy so as to disperse risk and maximize returns.

Liquidity

Whenever you wish you can convert your Mutual Funds to cash by selling them. You can also take advantage of our "Cash Now" service to convert Mutual Funds that have a notification period into cash immediately.

Transparency

Daily, weekly and monthly information about the value of your Mutual Funds is available at any time at garanti.com.tr, 444 0 333 Alo Garanti, Garanti Paramatik ATMs and Garanti branches.

Protection for your assets

The assets of a Mutual Fund belong to the fund's shareholders. They are held by Takasbank, a custodian bank, in the name and on the account of the Mutual Fund. A Mutual Fund is a legal entity and its assets are segregated from those of its founders. Under the Capital Markets Law, a Mutual Fund's assets may not be pledged, put up as surety or distrained by third parties. The assets of a Mutual Fund in other words are protected by law. Mutual Funds are audited by CMB and by independent auditors.

What should you be careful about when investing in Mutual Funds?

• When choosing a Mutual Fund to invest in, the most important thing you should take into consideration is how much risk you're willing to accept. The second issue is liquidity: some investors want to have immediate access to their money all the time while others are willing to wait a few days.
• When making your choice, you should also take funds' "benchmark criteria" into account as well and compare a fund's performance with those criteria.
• When making your choice, you should consider your expectations about what markets are likely to do in the future.
• When analyzing a particular fund's returns, you should always remember that past performance is never a guarantee of future performance.

Types of Mutual Funds

In Turkish law there are two types of Mutual Funds, which are called "Type A" and "Type B".
Type A Mutual Fund is one that maintains a portfolio at least 25% of which always consists of Equities.
The other funds are defined as "Type B" Mutual Fund.

Type A Equity
Funds Type B Bond
& Bill Funds Money Market
(Liquid) Funds