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The Government of Balochistan has launched the Balochistan Contributory Pension Scheme to create a more structured and sustainable retirement savings system for the employees of Government of Balochistan.
Within this framework, the JS Balochistan Pension Fund managed by JS Investments Limited helps employees secure their financial future by building long-term retirement income.
The Fund allows participants to grow their savings through regular contributions, which are strategically invested across a range of sub-funds, including Equity, Debt, Money Market, and Equity Index . in accordance with the investment allocation policy. This diversified approach helps balance risk while maximizing the potential for steady, long-term growth.
JS Balochistan Pension Fund (JSBPF) is a contributory pension fund managed by JS Investments Limited, asset management company rated AM1 PACRA. Established in accordance with the Government of Balochistan's Contributory Pension Scheme Rules 2025, the Fund is designed to help the employees of Government of Balochistan build long-term retirement savings and financial security. Contributions are professionally managed and invested across four diversified sub-funds, Equity Active, Debt, Money Market, and Equity Index to balance risk and generate sustainable long-term returns, providing participants with a reliable source of income after retirement.
The JS Balochistan Pension Fund (JSBPF) is exclusively available to eligible employees of the Government of Balochistan seeking a, secure, and long-term retirement savings solution. Eligible participants include all employees who have been recruited, absorbed, accepted, or transferred to the Government of Balochistan after the commencement of the Balochistan Civil Servants (Amendment) Act, 2025, and who qualify as "Eligible Persons" under the Balochistan Contributory Pension Scheme Rules, 2025.
At retirement, participants can withdraw up to 25% of their accumulated balance, while the remaining amount can be invested in annuity or periodic income plans.
Note: All investments in pension funds are subject to market risks. The value of investments may fluctuate and past performance is not necessarily indicative of future results. Tax credits and exemptions are subject condition as per section 63 of the Income Tax Ordinance, 2001. Income from annuity or income payment plans and withdrawals from the pension account may be subject to applicable taxes as per prevailing laws. As tax implications vary based on individual circumstances, investors are advised to consult their tax advisors. Participants are advised to read the Offering Document carefully to understand the investment objectives, policies, risks, and applicable charges and consult financial and legal advisor before making any investment decision.| Term Sheet JS Balochistan Pension Fund | |
|---|---|
| Fund Name | JS Balochistan Pension Fund |
| Currency | PKR |
| Sub Funds | Equity, Debt, Money Market, and Equity Index Sub-Funds, offering customized or lifecycle-based allocation |
| Takaful Coverage | As per the Offering Document |
| Investment Limit | No limit for investment |
| Tax Benefit | Tax credit available under the Income Tax Ordinance, 2001 |
| Withdrawal at Retirement | Up to 25% of accumulated balance; remainder invested in annuity or periodic income plans |
| Fund Manager | JS Investments Limited |
| Asset Management Rating | AM1 by PACRA |
| Auditor | Grant Thornton |
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