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UBL Retirement Savings Fund

UBL Retirement Savings Fund allows you to enjoy a financially independent, carefree life even after you stop working.

Why invest in UBL Retirement Savings Fund?

Flexible allocation schemes to match your needs
Avail attractive Tax benefits
Free Takaful Coverage
Start investing with Rs. 500

UBL Retirement Savings Fund is designed to offer you an easy and affordable means of growing your retirement savings in Money Market, Debt, Equity, and Commodity sub-funds, so you can live a financially independent and rewarding life after retirement. Our team can help you make a tailored pension plan. Get in touch with us to learn more about our retirement plan options that are perfect for individuals who want to enjoy a stress-free life after retirement.

Four fixed allocation plans, a life cycle plan, and a customized allocation plan are available according to your choice and risk appetite.

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.

Contact our team for more details about our pension plans.

Note: Any early withdrawal OR in excess of 50% withdrawal at OR after retirement will attract Withholding tax as per Income Tax Ordinance, 2001 (U/s 23A of Part 1 of The Second Schedule). Income from Income Payment Plans is also subject to income tax in the hands of Participant as per Income Tax Ordinance, 2001 w.e.f 1st July, 2022 as the exemption has been withdrawn through The Finance Act, 2022.

UBL Retirement Savings Fund

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

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Fund Information

Rs.500Minimum investment

Rs.500Minimum subsequent investment

Investment charges 3% of Net Asset Value

Management fee (annual) Up to 1.5% p.a. (URSF-CSF), (URSF-DSF), (URSF-MMSF); Up to 3% p.a. (URSF-ESF) of Net Asset Value

Fund ratingN/A

Trustee Fee (annual)

Up to 1 billion: Rs.0.3 million or 0.15% p.a. of Net Assets whichever is higher

1 billion to 3 billion: Rs.1.5 million plus 0.10% p.a. of Net Assets on amount exceeding Rs.1 billion

3 billion to 6 billion: Rs.3.5 million plus 0.08% p.a. of Net Assets on amount exceeding Rs.3 billion

Over 6 billion: Rs.5.9 million plus 0.06% p.a. of Net Assets on amount exceeding Rs.6 billion

Risk & Reward Potential

Medium

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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. 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)