Best property types and locations for retirement income and security.
Why Real Estate?
In inflationary economies such as Turkey, real estate is one of the most reliable asset classes for preserving purchasing power. It provides both capital appreciation and monthly cash flow.
Rental Income Strategy
Acquiring one or more homes during your working years can help you supplement your pension with regular rental income in retirement.
Choosing the Right Location
Areas with high rental demand should be preferred. A university city (central Balıkesir), a tourist area (Edremit Bay) or a location near a major city are sensible choices.
The Long-Term Investment Advantage
Over the long term, property tends to hold its value against inflation, but capital growth varies widely by location and period. Holding for a long time reduces the impact of short-term fluctuations.
Tax Advantages
No capital gains tax arises on the sale of a home held for more than 5 years. For sales made before 5 years have passed, a capital gains exemption of 150,000 TL applies for 2026. For residential rental income, the 2026 exemption is 58,000 TL.
Liquidity Risk
Real estate may not sell quickly. For this reason, your portfolio should be diversified with other asset classes such as cash and equities.
