اردو

Turn Taxes into Savings with Al-Ameen Islamic Retirement Savings Fund

Al-Ameen Islamic Retirement Savings Fund is a Shariah-compliant pension plan, specifically crafted to provide a simple and cost-effective way to grow your savings, helping you achieve financial independence and a fulfilling retirement.

Key Features:

Al-Ameen Islamic Retirement Savings Fund (AIRSF) is ideal for investors who want:

To save towards your retirement in Shariah Compliant mode 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

	AIRSF-Equity Sub Fund	AIRSF-Debt Sub Fund	AIRSF-Money Market Sub Fund
High Volatility	75%	25%	0%
Medium Volatility	40%	45%	15%
Low Volatility	15%	65%	20%
Lower Volatility	0%	50%	50%

Fund Performance Highlights

	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14
AIRSF – Debt	203.5%	149.2%	116.2%	100.8%	91.3%	75.5%	63.8%	59.3%	52.4%	47.4%	39.7%
AIRSF – Money Market	193.0%	142.0%	108.9%	93.7%	85.2%	69.4%	58.1%	53.0%	47.1%	42.6%	34.9%
AIRSF – Equity	1167.1%	604.7%	605.0%	692.9%	478.7%	419.0%	532.1%	635.6%	463.9%	373.7%	225.5%

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

Disclaimer: All investment in pension funds are subject to market risks. Past performance is not necessarily indicative of future results. Please read the Consolidated Offering document to understand the investment policies, taxation, free takaful cover and risks involved. Sections 63 and 23A/C (of 2nd Schedule) of Income Tax Ordinance, 2001 govern taxation of pension schemes.
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income tax in the hands of Participant as per Income Tax Ordinance, 2001 w.e.f 1st July, 2022 as the exemption has been withdrawn through The Finance Act, 2022.