اردو

Turn Taxes into Savings with UBL Retirement Savings Fund

UBL Retirement Savings Fund is designed to offer you an easy and affordable way to of grow your retirement savings in Money Market, Debt, Equity, and Commodity sub-funds, so you can live a financially independent and comfortable post-retirement life.

Key Features:

UBL Retirement Savings Fund (URSF) is ideal for investors who want:

To save towards retirement with as low as Rs. 500/- initial and subsequent contributions only.
To invest a lump sum amount or invest periodically.
To invest in different asset classes to have a diversified portfolio.
To avail tax credit on their investment.
To transfer the balance from recognized Provident /Gratuity/Superannuation Funds.
Free Takaful Coverage.

Asset Allocation Schemes

	Equity Sub Fund	Debt Sub Fund	Money Market Sub Fund	Commodity Sub Fund
High Volatility	70%	20%	0%	10%
Medium Volatility	40%	45%	15%	0%
Low Volatility	15%	65%	20%	0%
Lower Volatility	0%	50%	50%	0%

Fund Performance Highlights

	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14
URSF – Debt	334%	255%	206%	182%	166%	132%	115%	106%	97%	76%	47%
URSF – Money Market	244.4%	182.6%	142.2%	122.6%	111.1%	89.4%	75.5%	68.2%	60.9%	53.8%	43.4%
URSF – Equity	1317.2%	636.6%	631.1%	709.2%	487.4%	444.2%	560.5%	654.0%	479.5%	381.6%	226.0%
URSF – Commodity	143.8%	81.2%	60.6%	52.4%	56.1%	24.2%	14.4%	13.0%	14.2%	0.4%	3.3%

Note: Click here to calculate your retirement savings and find out how much retirement savings will be worth in the future.

Or Click here to use our Goal based retirement savings calculator to find out how much you need to save periodically to achieve your retirement goal.

Disclaimer:

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 and 23A & C (Part l 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 Bank Ltd as given above does not mean that it is responsible for the liabilities/obligations of UBL Fund Managers or any investment scheme managed by it.