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Investment Products

Investment Products

Fibabanka offers a wide range of investment products to evaluate your savings in the most efficient manner depending on your needs, risk distribution and investment habits.

  • What Do Investment Products Offer?
  • Important Information

Fibabanka offers a wide range of investment products to evaluate your savings in the most efficient manner depending on your needs, risk distribution and investment habits.

Choose one of the most convenient investment products depending on your investment preference and start adding value to your money by stepping into the world of investments with Fibabanka.

Which Investment Products Can You Evaluate Your Money with?

1.1.Sweeping Account

Sweeping Account is a demand deposit account that adds value to your savings automatically in the Fiba Portföy A.Ş. Short-Term Debt Instruments Fund while making your payments.

Sweeping Account has all the features of your existing demand deposit account, and it carries out EFT, money order, credit card, bills and other regular payments automatically. It automatically utilizes your savings that are above a certain threshold in the Fiba Portföy A.Ş. Short-Term Debt Instruments Fund. Sweeping Account is a demand deposit account in TRY that liquidates funds at the time of payment and makes the payment as such.

In order to carry out payment orders through Sweeping Account, you have to select the TRY demand deposit account as Sweeping Account.

Payments Made

  • Regular payments such as rent, school payments, building fee
  • Bill payments (Electricity, water, natural gas, etc.)
  • Overdraft Account interest payments
  • Forward EFT payments
  • Forward Swift commissions
  • Insurance premium payments
  • Cheque payments (Bank customers)

You can open a Sweeping Account at our branches and through Internet Banking. Please check the fund amounts bought & sold and payment details via Fibabanka Internet Banking and Mobile Banking app.

1.2. Fund Deposit Package

With Fund Deposit Package, you can add value to your savings in time deposit with different rates and mutual funds with different rates and distributions. This package offers you several advantages such as special maturities and interest rates for your savings, diversification of mutual funds, risk distribution, low transaction fees, etc.

  • You can open a Fund Deposit Account for all your savings starting from TRY 5,000.
  • The maturities of time deposit accounts vary between 32 to 182 days.
  • Minimum 10% and maximum 50% of the package is utilized in a mutual fund within the scope of the package.
  • The deposit interest rates depend on the mutual fund that you choose, maturity of the time deposit, the relative proportions of the mutual fund and the deposit in the package.

Our main Fund + Deposit Packages are as follows. Click here for details.

  • Package 1:Fiba Portföy Money Market Fund + Time Deposit Account
  • Package 2: Fiba Portföy Short-Term Debt Instruments Fund + Time Deposit Account
  • Package 3: Fiba Portföy Debt Instruments Fund + Time Deposit Account
  • Package 4: Fiba Portföy Multi Asset First Variable Fund + Time Deposit Account
  • Package 5: Fiba Portföy Multi Asset Second Variable Fund + Time Deposit Account
  • Package 6: Fiba Portföy Gold Fund + Time Deposit Account
  • Package 7: Fiba Portföy Eurobond Fund + Time Deposit Account
  • Package 8: Fiba Portföy Equity Shares Fund + Time Deposit Account

1.3. Mutual Funds

Fiba Portföy mutual funds are investment instruments that evaluate your savings through a portfolio that is comprised of various capital market instruments such as repo, bonds and equity shares. Fiba Portföy A.Ş. has 8 different mutual funds.

Professional fund managers effectively manage our mutual funds that are targeted towards different risk profiles and they aim for the maximum return via risk management based on the best effort principle.

You can carry out your purchasing/selling transactions at all of our branches, via Fibabanka Internet Banking or 444 88 88 Telephone Banking.

The returns and contents of the funds can be reached from www.tefas.gov.tr and www.kap.gov.tr publicly.

FİBA PORTFÖY FUNDS

MONEY MARKET FUNDS

a. Fiba Portföy Money Market Fund (FIL)

Portfolio Structure: Invests in public and private sector debt instruments and money market instruments. Traded in Tefas platform.

Included Investment Instruments: Repo + Money Market + Deposit + Short-Term Public Bonds + Short-Term Private Sector Bonds

Risk Level: Very low (1/7)

Investor Profile: Customers seeking an alternative to overnight or short-term maturity deposit

Purchase Transaction Detail: Performed on the same day

Sale Transaction Detail: Performed on the same day

Purchase/Sale Status according to the Market Conditions: Always

Minimum Number of Stocks: 1,000 stocks and multiples thereof

*14:50 is the cut-off time. Trade offers to be done later than this hour may only be fulfilled based on the number of stock shares to be obtained after another customer's fund sales.

Fiba Portföy Short-Term Debt Instruments Fund (FPK)

Portfolio Structure: : Invests in short-term public and private sector debt instruments with an average maturity of 25-90 days. Traded in Tefas platform

Included Investment Instruments: Short-Term Private Sector Bonds + Short-Term Public Bonds + Repo + Money Market + Deposit

Risk Level: : Very low (1/7)

Investor Profile: Customers seeking to benefit from public and private sector bond opportunities alternative to overnight and short-term deposit

Purchase Transaction Detail: Performed on the same day

Sale Transaction Detail: Performed on the same day

Purchase/Sale Status according to the Market Conditions: Always

Minimum Number of Stocks: : 1,000 stocks and multiples thereof

*14:50 is the cut-off time. Trade offers to be done later than this hour may only be fulfilled based on the number of stock shares to be obtained after another customer's fund sales.

ABSOLUTE RETURN FUNDS

Fiba Portföy Debt Instruments Fund (FIT)

Portfolio Structure: Invests mainly in public and private sector bonds. Traded in Tefas platform.

Included Investment Instruments: Floating and Fixed Rate Private Sector Bonds + Public Debt Instruments + TRY Deposit

Risk Level: Low (2/7)

Investor Profile: Customers seeking to benefit from public and private sector bond opportunities alternative to overnight and short-term deposit

Purchase Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Sale Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Purchase/Sale Status according to the Market Conditions: Always

Minimum Number of Stocks: : 1,000 stocks and multiples thereof

MULTI ASSET VARIABLE FUNDS

Fiba Portföy Çoklu Varlık Birinci Değişken Fon (FCV)

Portfolio Structure: Invests in stocks, public and private debt instruments, repo, money market, foreign exchange based instruments and others. Traded in Tefas platform.

Included Investment Instruments: Floating and Fixed Rate Private Sector Bonds + Public Debt Instruments + Equities + TRY Deposit + Gold + Foreign Exchange Based Exchange Trade Funds + Other

Risk Level: Medium (3/7)

Investor Profile: Customers wishing to invest in the medium-long term maturity by flexibly utilizing the opportunities in the markets

Purchase Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Sale Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Purchase/Sale Status according to the Market Conditions: Always

Minimum Number of Stocks: : 1,000 stocks and multiples thereof

Fiba Portföy Multi Asset Second Variable Fund (FID)

Portfolio Structure: Invests in stocks, public and private debt instruments, repo, money market, foreign exchange based instruments and others. Traded in Tefas platform.

Included Investment Instruments: Floating and Fixed Rate Private Sector Bonds + Public Debt Instruments + Equities + TRY Deposit + Gold + Foreign Exchange Based Exchange Trade Funds + Other

Risk Level: Medium (4/7)

Investor Profile: Customers wishing to invest in the medium-long term maturity by flexibly utilizing the opportunities in the markets

Purchase Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Sale Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Purchase/Sale Status according to the Market Conditions: Always

Minimum Number of Stocks: : 1,000 stocks and multiples thereof

THEME FUNDS

Fiba Portföy Foreign Debt Instruments (Eurobond) Fund (FPE)

Portfolio Structure: Invests in stocks, public and private debt instruments, repo, money market, foreign exchange based instruments and others. Traded in Tefas platform.

Included Investment Instruments: USD-based public debt instruments + USD-based private sector debt instruments + USD deposit

Risk Level: Medium (4/7)

Investor Profile: Customers wishing to make Eurobond investment as an alternative to foreign currency deposit

Purchase Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Sale Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Purchase/Sale Status according to the Market Conditions: Always

Minimum Number of Stocks: : 1,000 stocks and multiples thereof

Fiba Portföy Gold Fund (FIB)

Portfolio Structure: Invests at least 80% (in TRY basis) of its portfolio in gold and gold-based capital market instruments. Traded in Tefas platform

Included Investment Instruments: USD-based public debt instruments + USD-based private sector debt instruments + USD deposit

Risk Level: High (5/7)

Investor Profile: Customers wishing to track the price of the gold in TRY basis

Purchase Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Sale Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Purchase/Sale Status according to the Market Conditions: Purchased/sold when there is a positive/negative forecast about gold

Minimum Number of Stocks: : 1,000 stocks and multiples thereof

c. Fiba Portföy Equity Shares Fund (Equity Intensive Fund) (FPH)

Portfolio Structure: Invests at least 80% (in TRY basis) of its portfolio in gold and gold-based capital market instruments. Traded in Tefas platform

Included Investment Instruments: USD-based public debt instruments + USD-based private sector debt instruments + USD deposit

Risk Level: Very High (7/7)

Investor Profile: Customers wishing to invest in equity shares

Purchase Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Sale Transaction Detail: T+1 (Business days between 00:01-13:00), T+2 (Business days between 13:01-00:00)

Purchase/Sale Status according to the Market Conditions: Purchased/sold when there is a positive/negative forecast about equity shares

Minimum Number of Stocks: : 1,000 stocks and multiples thereof

1.4. Government Bond / Treasury Bill

Investment advantages under the guarantee of the State are at Fibabanka.

  • They are debt securities issued by the Undersecretariat of Treasury within the domestic market.
  • They are issued as tenders or public offerings by the Republic of Turkey Undersecretariat of Treasury in order to meet the borrowing need of the state through the Central Bank of the Republic of Turkey.
  • The Government Domestic Debt Securities (GDDS) with less than 1 year of maturity are called Treasury Bills, while those with 1 year or more are called Government Bills.
  • At the time of the investment, the investors are aware of how much interest income they will earn after the maturity of Treasury Bills and Government Bonds and do not face a risk of losing from the capital if they wait until the end of the maturity.
  • During their maturity period, they can be traded in secondary markets and their liquidity varies depending on the nature of the issuance.
  • If they are desired to be liquidated prior to the end of maturity, returns may vary depending on the conditions of the market at that time.
  • Such products offer capital gain in times of interest rate falls. The capital gain is higher in long-term bonds.

1.5. Eurobond

Eurobond, namely the investment tools for individuals and companies that are traded in international markets wishing to make a long-term investment in foreign currency is at Fibabanka!

  • Eurobond is a foreign currency debt tool utilized by the Republic of Turkey Undersecretariat of Treasury in external borrowing. As they are traded over foreign currency, they are long-term and their maturity vary from 1 year to 30 years.
  • Eurobonds are generally issued in USD or EUR by the Republic of Turkey Undersecretariat of Treasury and traded as coupons. USD eurobond coupons are paid every 6 months and EUR eurobond coupons are paid once a year.
  • The United States Treasury Bills are taken as reference for Eurobonds in USD while for the Eurobonds in EUR, German Treasury Bills are taken as basis.
  • Being long-term maturity, they are traded in the secondary market and may be liquidated without waiting for the end of the maturity. In such cases, the market conditions at the time of the liquidity will apply.
  • As they are traded in international markets, they are susceptible to price fluctuations that may be caused both by domestic and international economic and political developments.

1.6. Equity Shares and Derivatives Market

Equity Share investments provide the opportunity to evaluate your money in public companies as a shareholder. You can benefit from the profits of the company that you are the shareholder of or you can liquidate your stocks via this risky but high-returning investment instrument. For detailed information, please click here.

1.7. Private Sector Bonds

You can invest in private sector bonds; one of the most popular investment instruments, by the Fibabanka privilege and securely evaluate your assets.

  • Debt securities issued by banks or other joint stock companies as long-term with over a year of maturity, discount or coupon are called "Private Sector Bonds".
  • In discount bonds, the issuer pays the nominal amount of the bond to the investor at the end of the maturity.
  • In coupon bonds, the investor is paid coupon return within certain periods (3 months, 6 months or 1 year) and capital payment over the maturity amount.
  • The interest rate taken as basis in those with variable interest is the bond interest. The additional interests paid offer the investors higher return opportunity.
  • Investors undertake the risk of the issuing institution.

1.8. Foreign Currency and Parity Transactions

Investors wishing to turn the increase and decrease between parities into return meet the Fibabanka guarantee.

  • Competitive pricing can be applied to all parities traded in global markets.
  • Foreign currency and parity transactions allow benefiting from momentary arbitrage opportunities in the market.
  • Order can be made for USD/EUR/GBP 100,000 and its equivalent.

1.9. Derivative Products

Derivative Products at Fibabanka offer the chance to earn more income from investment products by evaluating your assets.

Their return is based on the performance of the underlying asset (such as instrument, FX, interest) and they are derived from the return of the underlying asset.

Derivative Products are preferred by the investors who wish to be protected against future fluctuations in the markets, and also aim to profit from such fluctuations by taking a certain amount of risk.

1. Forward

Forward (Forward Purchase/Sale Transactions) indicates the agreements regarding the purchase or sale of a certain amount of asset such as FX or precious metal on a future date at a set price. Forward agreements oblige both parties to carry out the transaction at the price and amount specified in the agreement, irrespective of the current price of the asset that is the subject of the transaction in the market at maturity. Forward transactions may be used to be protected from the fluctuations in asset prices or they can also be used to profit from such fluctuations.

2. Options

Option agreements can be at a set maturity (European type) or during a certain amount of time (American type) and they grant the right to purchase or sell a certain amount of goods, economic or financial indicators, money or capital market instrument, commodities or FX that serve as the underlying asset to the option at a set price, in return for a certain amount of option premium to be given to the buyer of the option, however only obligating the seller to sell it upon the request of the buyer.

Option agreements grant a right to the buyer party, and give rise to a liability for the seller party. Option agreements can be structured in countless ways as long as the parties mutually agree on it. Such features enable options to be established using various underlying assets such as FX, Equity Shares, Index, Gold, Eurobond, Interest. Options can be chosen to be protected from risks such as currency rate, markets, interest risk, or they can be used to benefit from currency rate, equity prices, commodity prices, interest rates in line with the projections of the customers who have an insight on such subjects.

Option types are as follows:

  • Call Option: The call option agreement grants the right to the buyer of the option agreement to purchase a certain amount of the underlying asset on a certain date or before the date at a set price.
  • Put Option: The put option agreement grants the right to the buyer of the option agreement to sell a certain amount of the underlying asset on a certain date or before the date at a set price.

3. DCD

It is basically an FX put option structured as a deposit. It is a product that has a higher return compared to the deposit against the risk of repayment of the capital in a different currency. In DCD transactions, the customer assumes a risk in line with the market expectations and aims to sell to the bank the right to purchase or sell a certain currency at a set maturity and price, thereby increasing the deposit income.

4. Swap

"In finance markets, “Swap” means the exchange of FX, interests or instruments or cash flows pertaining to them, in other words the payment liabilities, at a set maturity or during a certain period of time. The subject matter of Swap transactions may be several assets such as foreign exchange, precious metals, interests, equity shares or bill/bonds. Primary Swap transactions are as follows:

FX Swap;

They are forward transaction agreements to swap one currency with another and returning the swapped capitals after a certain amount of time. In FX Swap transactions, the swapped amounts in the beginning of the transaction are returned on the date of maturity based on the currency rates/parities stated in the agreement. In other words, FX Swap is the combination of a spot foreign currency transaction made on the date of the agreement and a complementary forward transaction in the reverse direction. (If the first transaction is a spot purchase, a forward sales agreement is signed on the maturity date; if the first transaction is a spot sale, then a forward purchase agreement is signed on the maturity date.)

IRS – Interest Rate Swap

It is the sum of the transactions through which interest flows calculated via various methods over a certain period are swapped in order to protect the customers from the interest risk arising from the fluctuations in interest rates or to profit from the changes in interest rates.

XCCY Swap – Cross-Currency Swap

It is created by combining Interest Rate Swap and FX Swap. This type of transaction aims to protect the customers against both exchange risks arising from their liabilities/receivables and interest risks. In other words, the customer has the option to convert the liability/receivable in a certain currency into another one.

5. Structured Products

Structured products offer unlimited return and risk profiles and they are created by combining several derivative products or the concurrent utilization of deposit or bond/bill products along with derivative products. Therefore, the investors can create special structures tailored to their own expectations and needs..

Before choosing a mutual fund, we need you to understand the purpose, strategy and possible risks of the fund. The risk-return status of the fund that you are interested in and the products invested in by the fund should be in parallel with your risk-return expectations..

You should keep in mind that you are taking a risk by investing in a mutual fund. Remember that the value of the investment instruments purchased by the fund may go down in value as well as go up.

Generally, there is no guarantee for investment instruments including mutual funds to maintain the return achieved in the past period also for the next period.

The information, comments and advice shared here should not be considered as investment consultancy. Investment consultancy service is provided by authorized institutions by taking into consideration the risk and return preferences of the individuals. The remarks and advice here are of general nature. Such advice may not comply with your risk and return preferences. Therefore, making investment decisions solely based on the information shared here may cause unexpected results.

The information on our website is for general purposes. Making investment decisions solely based on the information here may cause unexpected results.

Click here for information on the Mutual Funds Fund Management Fees.

Click here for the Provisions of the Legislation that Professional Customers Cannot Benefit From.

Click here for the Principles Regarding the Method of Carrying Out the Order, Trade-in and Liquidation.

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