Investment Objective

NIT Pension Fund aims to provide participants with a savings vehicle geared for retirement planning and providing decent returns through investments in its various sub-funds.

About the Fund

NIT Pension Fund, a Voluntary Pension Scheme (VPS) is the best provider of saving solution to fulfill your aim of a happy retirement. The main goal is to allocate a part of your income for your retirement and invest them to grow. NIT Pension Fund has sub-funds through which your contributions are invested in the underlying sub-funds namely NIT Equity Sub-Fund, NIT Debt Sub-Fund, NIT Money Market Sub-Fund and NIT Commodity Sub-Fund based on the allocation scheme selected.

Equity Sub-Fund: Invests in equity to attain long-run capital gain and dividend income which resulted in attractive returns with exposure to the volatility of the stock market.
Debt Sub-Fund: Invests in Fixed Income instruments, such as T-Bills, PIBs, TFCs & CP having best credit rating and liquidity.
Money Market Sub-Fund: Invests primarily in short term Money Market instruments, such as Bank deposits and T-Bills, to provide a consistent and regular profit stream.
Commodity Sub-Fund: Invests in commodities especially gold future contracts through PMEX. It provides investors with high returns as it invested 70% exposure in gold contracts.

Benefits At a Glance

• Personalized Investment: Choose an allocation scheme based on your investment goals and risk and return objectives.
• Tax Credit: Avail up to 20% savings in taxes.
• Tax-Free Growth in Investment: Investment contributions and profits are accumulated tax-free until your retirement.
• Retirement Planning: Choose your retirement age, between 60 to 70 years, or 25 years since your first contribution to a pension fund, whichever is earlier.
• Tax-Free early disability retirement: Avail full benefits in case of early retirement due to severe disability/illness that prevents you from working.
• Tax-free Lump sum withdrawal: At retirement, option to withdraw up to 50% of the accumulated balance, free of tax.
• Monthly/Annuity Plan Option: At retirement, maintain your lifestyle by receiving a regular income stream from your accumulated balance by buying an Approved Annuity Plan or Approved Income Payment Plan.
• Pension Fund Continuity: Your VPS investment is not affected by changing jobs.

Why Saving is necessary for your Retirement?

After working hard your whole life, an enjoyable and peaceful retirement with your loved ones is what you deserve. However, an unplanned retirement can lead to financial difficulties and dependence on your loved ones. To maintain your lifestyle, spend time with your loved ones and catching up on all the things you missed while working, you need to start planning for your retirement now. The earlier you start saving, the more you will have when you retire.

Are You Planning To?

• Save and Invest for a specific objective
• Have Regular Monthly Income Stream
• Save for your retirement benefit
• Grow wealth in the long term perspective
• Keep your capital preserved with attractive returns
• Perfect Investment Strategy for your Savings

Value Added Services

• Experience & Dynamic Relationship Manager
• Free SMS and Email Notifications on all transactions
• Real Time access facility through Online services & mobile application

Features of NIT-PF

Competitive Returns - Low Management Fee - Professional fund management expertise - Risk diversification
Ease of redemption

Risk Meter

Low Moderately Low Moderate Moderately High High

Fund Facts

Fund Type

Open Ended Voluntary Pension Scheme (VPS)

Fund Inception

June 19, 2015

Fund Size

1,140 Million as of March 31, 2025

Minimum Investment

Rs. 1,000/-

Allocation Schemes

Specified allocation (high, medium, low and lower volatility)

Lock-in Period

No Lock-in period (Subject to applicable tax on pre-retirement withdrawal as per law)

Load

Front End Load: 0% - 3%
Back End Load: NIL

Management Fee

On average Annual Net Assets of each Sub-Fund:
Equity 0.75%, Debt 0.50%, Money Market 0.50% and Commodity 0.50%

Eligibility

Pakistani having valid Computerized National Identity Card (CNIC) or National Tax Number (NTN)

Non-Resident Pakistani having valid National Identity Card for Overseas Pakistani (NICOP)

Employer on behalf of their employees

Auditors

GT Anjum Rahman, Chartered Accountants

Trustee

Central Depository Company (CDC)

Asset Manager Rating

AM1 by PARCA (24-05-24)
AM1 by VIS (01-01-25)

Allocation Scheme	Suitability	Equity and / or Index Sub-Fund	Debt Sub-Fund	Money Market Sub-Fund	Commodities Sub-Fund
High Volatility	Long term horizon and high-risk ability/return objective	Min 40%	Min 20%	Nil	Max 25%
Medium Volatility	Medium term horizon and moderate risk ability / return objective	Min 20%	Min 40%	Min 10%	Max 15%
Low Volatility	Short to medium term horizon and low-risk ability/return objective	Min 0.5%	Min 60%	Min 15%	Max 05%
Lower Volatility	Investors nearing retirement age and very low-risk ability/return objective	Nil	Min 40%	Min 40%	Nil
Customized Allocation Scheme	Depending on risk preference / return objective and time to retirement	0%-100%	0%-100%	0%-100%	0%-100%

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