Investment Advisory & SMA
Investment Advisory Services and Separate Managed Accounts for retirement funds, ensuring optimal allocation aligned with fund objectives and regulatory requirements.
🛡 Retirement Solutions
Retirement Fund Services
Comprehensive solutions for Retirement Funds, including Gratuity Funds, Pension Funds and Provident Funds — from investment advisory to accounting, administration, and regulatory compliance.
About Retirement Fund Services
We provide comprehensive solutions for Retirement Funds, including Gratuity Funds, Pension Funds, and Provident Funds. These services cover end-to-end fund management, regulatory compliance, and investment advisory.
Our team of experienced professionals ensures that retirement funds are managed in compliance with the applicable regulatory framework while maximising returns within the prescribed investment limits.
Our Services
End-to-end retirement fund management.
Fund Accounting
Comprehensive retirement fund accounting services, maintaining accurate records and financial statements for Gratuity, Pension, and Provident Funds.
Fund Administration
Complete retirement fund administration including member records management, benefit calculations, and disbursement processing.
Regulatory Compliance
Ensuring full regulatory compliance of retirement funds with SECP and applicable laws. Filing, reporting, and audit coordination.
Investment Criteria
Conditions for investment in listed equity securities
Retirement funds have specific conditions for investment in listed equity securities to ensure safety of funds:
- Minimum profitable operational record of immediate three preceding years
- Average dividend of not less than fifteen percent during two out of three preceding consecutive years
- Minimum free float not less than fifteen percent or fifty million shares, whichever is higher
- Breakup value equivalent or more than the par value of the shares
Please contact us for the list of stocks eligible for investments by retirement funds.
Rating Requirements
Minimum rating criteria for debt instruments
| Instrument | Listed/Unlisted TFCs, Sukuks | Debt Mutual Funds | Money Market |
|---|---|---|---|
| Rating | A with stable outlook | A with stable outlook | AA- |
Our Deliverables
What trustees receive.
- Analysis of your portfolio and rebalancing advice
- Communicating emerging investment opportunities
- Monitoring of advice through performance reviews
Fees
Fee Structure
| Service | Fee |
|---|---|
| Advisory | Higher of Rs. 42,000 or 0.2% of portfolio per annum |
| Separately Managed Accounts | Higher of Rs. 42,000 or 1% of portfolio per annum |
| Accounting, Administration and Regulatory Compliance | To be mutually agreed |