Which investments yielded the most income in November 2025? Real returns on financial investment instruments, according to the latest official data from TÜİK (December 8, 2025):
The highest monthly real return was achieved on deposit interest (gross) at 2.21% with deflation adjusted for the domestic producer price index (PPI) and 2.18% with deflation adjusted for the consumer price index (CPI).
Among investment instruments, domestic market government bonds (DIBs) provided a real return of 1.89%, the BIST 100 index 0.50%, and the US dollar 0.26%, while gold resulted in losses of 0.41% and the euro 0.45% for investors. In a CPI-adjusted deflation, DIBs provided a real return of 1.86%, the BIST 100 index 0.47%, and the US dollar 0.23% for investors. Gold bullion lost 0.44%, while the euro lost 0.48%.
Over the three-month period, gold bullion provided investors with the highest real return, 23.52% adjusted for the producer price index (PPI) and 21.53% adjusted for the consumer price index (CPI). Over the same period, the BIST 100 index was the investment instrument that caused the greatest losses for investors, losing 6.83% adjusted for the PPI and 8.33% adjusted for the CPI.
According to the six-month assessment, gold bullion provided investors with the highest real return, 23.30% adjusted for the PPI and 22.74% adjusted for the CPI. The US dollar, meanwhile, was the investment instrument that caused the greatest losses, losing 2.88% adjusted for the PPI and 3.32% adjusted for the CPI.
In the annual assessment, gold bullion delivered the highest real return.
In the annual assessment of financial investment instruments, gold bullion provided investors with the highest real return, 47.77% with producer price index (PPI) deflation and 43.44% with consumer price index (CPI) deflation.
During the annual assessment, with CPI deflation, the gross interest yield on deposits was 10.91%, on government bonds (DİBS) 5.79%, and on the euro 4.90%, while the US dollar lost 3.53% and the BIST 100 index 8.02% for investors. When adjusted for the consumer price index (CPI), the gross interest yield on deposits was 7.66%, on government bonds (DİBS) 2.69%, and on the euro 1.82%, while the US dollar lost 6.36% and the BIST 100 index 10.71% for investors.
While the nominal yield on deposits was the highest among short-term financial instruments in November 2025, the real yield was lower. The gross deposit rate provided investors with approximately 2.18-2.21% real income per month, and when assessed annually, approximately 7.7-10.9%, depending on the calculation method. In other words, real money did indeed grow, but the income growth was significantly eroded by inflation.
Meanwhile, the Alanya real estate market offers the opportunity to purchase apartments at prices below current construction costs. Given the current scarcity of new residential projects in the resort region, this investment has obvious potential. Contact us for a consultation on current opportunities for profitable real estate purchases on the Mediterranean coast.