A pension is the income you’ll need once you retire. Retirement often brings limited income, reliance on children, hardship, and difficulty covering expenses — which is exactly why planning for it today matters so much.
Provident funds and pension funds are common retirement plans used worldwide, typically offered by employers and governments as a benefit tied to a portion of your working income.
Beyond employer and government contributions, individuals can also invest voluntarily through a Voluntary Pension Scheme (VPS) — a pool of investments owned by participants and managed by a licensed Pension Fund Manager.
Investor Benefits
Why Invest In A Pension Fund
Choice Based On Risk Appetite
Select an allocation scheme that matches your investment horizon, risk tolerance and return goals.
Tax Credit
Get a tax credit on your contribution — up to 20% of taxable income, and up to 50% of last year’s taxable income.
Tax-Free Growth
Contributions and investment income accumulate tax-free in your sub-fund until retirement.
Tax-Free Lump Sum
Withdraw up to 50% of your accumulated balance free of tax when you retire.
Early Withdrawal On Disability
In case of early retirement due to a qualifying disability, full retirement benefits become available with approved medical evidence.
Continuity Across Jobs
Unlike provident and gratuity funds, your VPS account stays with you even if you change employers.
Portability
Switch your Pension Fund Manager once a year (21 days’ notice), and change your Allocation Scheme twice a year.
Professional Management
Your fund is managed by an experienced team with a proven track record.
Free Consultation
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Talk to us today and find the pension plan that fits your goals and your future.
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