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UBL Balochistan Pension Fund

Pension ka Ameen!

Why invest in UBL Balochistan Pension Fund?

Competitive Returns
Avail attractive Tax benefits
Takaful Coverage (As per Offering Document)
No limit for investment

Government of Balochistan has introduced the Balochistan Contributory Pension Scheme to provide a structured retirement savings solution for its civil servants. Under this framework, the UBL Balochistan Pension Fund (UBLBPF), managed by UBL Fund Managers Limited, offers long-term financial security and post-retirement income.

The Fund enables employees to build retirement savings through regular contributions and investments across multiple sub-funds, including Equity, Debt, Money Market, and Equity Index, providing diversification and risk management.

Contact our team for more details about our pension plans.

UBL Balochistan Pension Fund is ideal for GoB employees who want to:

Build long-term retirement savings through joint contributions by the Government and employee

Invest in diversified asset classes based on risk appetite
Choose customized or lifecycle-based allocation plans
Avail tax benefits under the Income Tax Ordinance, 2001
To avail tax credit on their investment.

* At retirement, participants can withdraw up to 25% of their accumulated balance, while the remaining amount can be invested in annuity or periodic income plans.

Note: All investments in pension funds are subject to market risks. The value of investments may fluctuate and past performance is not necessarily indicative of future results. Tax credits and exemptions are subject to change as per the provisions of the Income Tax Ordinance, 2001. Income from annuity or income payment plans and withdrawals from the pension account may be subject to applicable taxes as per prevailing laws. Participants are advised to read the Offering Document carefully and consult their financial, tax, or legal advisor before making any investment decision.

UBL Balochistan Pension Fund

Need more information about the fund? Here’s what you need to know.

Contact

UBL-Al-Ameen Funds WhatsApp Business Account

Fund Information

Rs.No LimitMinimum investment

Rs.No LimitMinimum subsequent investment

Investment charges Nil of Net Asset Value

Fund ratingN/A

Expense Ratio

Up to PKR 10 billion: 0.75 % p.a. (MMSF); 0.75% (DSF) 1% (EISF) 1.75% (EASF)

Up to PKR 20 billion: 0.70 % p.a. (MMSF); 0.70% (DSF) 0.95% (EISF) 1.70% (EASF)

Up to PKR 30 billion: 0.60 % p.a. (MMSF); 0.60% (DSF) 0.85% (ESF) 1.60% (EASF)

Greater than PKR 30 billion: 0.50 % p.a. (MMSF); 0.50% (DSF) 0.75% (EISF) 1.50% (EASF)

Risk Profile

Allocation Plan	Risk Profile (Product & Investor)	Risk of Principal Erosion
Customized Plan with 100% in Money Market Sub Fund	Very Low	Principal at Very Low Risk
Lifecycle Plan (for age 60 years & above)	Low	Principal at Low Risk
Lifecycle Plan (for age between 50-59 years). Customized Plan with 0% -20% Equity Active Sub Fund aggregate exposure	Medium	Principal at Medium Risk
Medium Volatility Plan. Lifecycle Plan (for age between 51-60 years). Customized Plan with 26% – 50% Equity & Commodity Sub Fund aggregate exposure	High	Principal at High Risk
High Volatility & Life Cycle Plans (up to the age of 50 years). Customized Plan with more than 50% Equity & Commodity Sub Fund aggregate exposure	High	Principal at High Risk

The minimum subsequent investment from any Bill ID (Kuickpay/1 Bill) & for raast investment ID is Rs. 5,000.

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All investment in Pension funds are subject to market risks. Past performance is not indicative of future results. Please read the consolidated Offering Document to understand the investment policies and the risks involved. Section 63, 23A & C (Part 1 of 2nd Schedule) of Income Tax Ordinance, 2001 govern taxation of Pension schemes. Please consult your Tax Advisor before making any investment decision. Use of name and logo of UBL Ameen / UBL Bank as given above does not mean that they are responsible for the liabilities/obligations of Al-Ameen Funds / UBL Fund Managers or any investment scheme managed by them. UBL Funds may share commission out of management fee earned to the sales teams of the Company or its distributor(s) earned on his/her/their own investment(s)