💰 Tax Credit
Save up to 20% of your tax liability by investing to the full limit. Investment amount is restricted to 20% of taxable income per year.
🏦 Investment Strategy
Kifayah Strategy of Pension Funds (SoPF)
A simple way to invest in Pension Funds. Any Pakistani can open an Individual Pension Account (IPA) with an AMC of their choice and we will facilitate the investment process.
About Strategy of Pension Funds
Pension Funds are managed by renowned Asset Management Companies (AMCs). With Kifayah Strategy of Pension Funds (SoPF), we actively manage your plans between Shariah-compliant money market and equity sub-funds based on our research, timings, and current situation of the economy to provide the best optimised return.
Kifayah provides a simple way to invest in Pension Funds. Any Pakistani can open an Individual Pension Account (IPA) with an AMC of their choice and we facilitate the investment process.
Key Benefits
Why invest in Pension Funds?
📈 Tax-Free Gains
The Fund is not charged with any taxes throughout the investment tenure — tax-free gains accumulate in your account over the period.
🔄 Flexible Contributions
Invest monthly, annually, or at any other frequency. Multiple sources: self, employer provident fund transfer, or employer scheme.
🛡 Free Takaful
AMCs offer free Takaful coverage to pension fund investors, providing an additional layer of protection.
🔁 Change Fund Manager
If performance is not satisfactory, you may change Fund Manager without redeeming your investment.
🎯 Retirement Benefits
Retire between 60-70 years. Up to 50% tax-free withdrawal on retirement.
Performance
Fund Performance Highlights
Pension funds are intended for long-term wealth accumulation, ideally doubling every five years. So far, all clients of Kifayah Invstment are satisfied, as performance has consistently exceeded expectations. With additional investments, this continues to build a strong retirement fund.
Investor Advantages
Invest at no cost to you.
Investments in Pension Fund through our platform gives the following advantages at no cost to our investors:
- Unbiased advice
- Tax Credit
- Access to our research
- Free for investors (our service fee is paid by respective fund manager)
How to Become Our Client?
- Contact us
- Finalise Investment Policy Statement
- Sign up our agreement
Our Deliverables
- Active portfolio management
- Active rebalancing of portfolio to maintain stock allocation, smoothing investment returns and keeping at par with the risk tolerance
- Communicating emerging investment opportunities
- Reporting on performance as per benchmark
Fee Structure
| Strategy | Fee |
|---|---|
| Kifayah Strategy of Stocks (SoS) | 1% of portfolio on achievement of 15% gross profit target. |
| Kifayah Strategy of Dividend Stocks (SoDS) | 1% of portfolio on achievement of 15% gross profit target. |
| Minimum Investment | Rs. 3 million |