JS Pension Savings Fund

JS Investments together with Standard Chartered and EFU Life offers JS Pension Savings Fund (JS PSF), a lifetime integrated retirement solution, that will help in planning a secure retirement solution and for the expected and unexpected events of life.

Product Summary
Fund Name	JS Pension Savings Fund
Eligibility	Any individual with a valid CNIC or NTN
Minimum Contribution	PKR 12,000/- per annum
Contribution Frequency	Monthly, Quarterly, Semi Annual or Annual
Payment Mechanism	Cheque, Bank Draft, Pay Order (crossed A/C payee only) or Auto-Debit
Allocation Scheme	Aggressive, Balanced, Conservative or Very Conservative
Retirement Age	Any age, between 60 to 70 years, of your choice
Early Retirement	Upon permissible disability, same benefits as per normal retirement
Free Insurance	Free accidental death and disability insurance of up to PKR 4 mn*
Optional Insurance	Life insurance, hospitalization and critical illness covers are available
Front end Load	3% on all contributions
Back end Load	None
Management Fee	1.5% on average net assets
Pricing	Daily (Published in newspaper or available on website)
Trustee	Central Depository Company of Pakistan
Auditors	Ernst and Young Ford Rhodes Sidat Hyder & Co
Risk Profile	Varies for every individual as per the selected "Allocation Scheme"
Regulator	Securities and Exchange Commission of Pakistan