VPS Simulator

What is your current age.?

How much do you wish to invest today?

What is your current gross monthly salary including all benefits?

On average what % increment do you expect in your annual salary over the years?

At what age do you expect to retire?

Please check the box if you want to invest only up to taxable amount

What % of your salary do you wish to contribute in NAFA Pension Fund?

What % of your accumulated balance in NAFA Pension Fund, do you wish to transfer to Income Payment Plan?

Select one of the following:

Scenarios	Expected rate of return	Inflation adjusted rate
Scenario 1	6%	3%
Scenario 2	8%	4%
Scenario 3	10%	5%

Summary Results

Key Results

	Total Amount Invested
	Accumulated Savings at Retirement
	Inflation adjusted terminal value of contributions
	Amount withdrawn at Retirement as per your preference
	50% Amount withdrawn at Retirement (tax free)
	Monthly installment from an Income Payment Plan if amount withdrawn is as per your preference**
	b)	Monthly installment from an Income Payment Plan if amount withdrawn is 50% of accumulated savings**

Other Results

	Period of investment in NAFA Pension Fund (years)
	Cumulative Tax Saving
	Future Value of Tax Credit *
	Last Drawn Monthly Salary
	Savings available for Income Payment Plan
	Savings available for Income Payment Plan if 50% amount is withdrawn
	Monthly Pension as % of Last Drawn Salary if amount withdrawn is as per your preference **
	b)	Monthly Pension as % of Last Drawn Salary if amount withdrawn is 50% of Accumulated Savings**

Note: All amounts are in Pakistani Rupees.

* Assumed to be invested each year at the above selected scenario return.

** For Income Payment Plan of 15 years, 100% of amount transferred from Accumulated Savings at retirement is invested at above assumed rate of return with drawdown of all principal and profit earned in equal monthly instalments.

Disclaimer:
NAFA Pensions Fund Simulator is not verified by any third party. The Simulator calculates accumulated amount at retirement and monthly pension, on the basis of inputs given by the user. The calculation of tax credit are based upon salaried individuals tax rates as per FY 2024-2025 tax rates, which to the best of the NBP Fund Management Ltd, the Pension Fund Manager, understanding is correct, however no claim is made on the accuracy of tax credit. Investors/ Participants are expected to seek independent advice so as to determine the tax saving from investment in Voluntary Pension Schemes (VPSs). The growth in value of contributions is dependent upon scenario assumed, which are subject to various risks including market, credit and liquidity risks. Investors are required to read the Offering document of NAFA Pension Fund and /or NAFA Islamic Pension Fund, before considering to invest in Pension Funds. NBP Funds is an approved Pension Fund Manager under Voluntary Pension System Rules 2005. This simulator is only for illustration purpose, no claim is made on the accuracy of the results, and the Company can not be held liable for any kind of error.

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VPS Simulator Summary Results

Assumptions

% Per Year Return assumption over savings horizon

	Expected rate of return

	Inflation adjusted return
	Debt Sub Fund
	Money Market Sub Fund

Inputs
	Age at which contribution in VPS started
	Indicated Retirement Age
	Initial investment at time of joining VPS
	Monthly salary at time of joining VPS
	Last year's monthly salary
	Annual salary increment expectation (%)
	Allocation Scheme selected
	% of your salary contributed in NAFA Pension Fund?
	a)	% Accumulated savings transferred to Income Payment Plan (as per your preference)
	b)	% Accumulated savings transferred to Income Payment Plan (default)	50

Key Results

Other Results

	Total Amount Invested
	Accumulated Savings at Retirement
	Inflation adjusted terminal value of contributions
	a)	Amount withdrawn at Retirement as per your preference
	b)	50% Amount withdrawn at Retirement (tax free)
	a)	Monthly installment from an Income Payment Plan if amount withdrawn is as per your preference**
	b)	Monthly installment from an Income Payment Plan if amount withdrawn is 50% of accumulated savings**

	Period of investment in NAFA Pension Fund (years)
	Cumulative Tax Saving
	Future Value of Tax Credit *
	Last Drawn Monthly Salary
	a)	Savings available for Income Payment Plan
	b)	Savings available for Income Payment Plan if 50% amount is withdrawn
	a)	Monthly Pension as % of Last Drawn Salary if amount withdrawn is as per your preference **
	b)	Monthly Pension as % of Last Drawn Salary if amount withdrawn is 50% of Accumulated Savings**

Note: All amounts are in Pakistani Rupees.

* Assumed to be invested each year at the above selected scenario return.

Disclaimer:
NAFA Pensions Fund Simulator is not verified by any third party. The Simulator calculates accumulated amount at retirement and monthly pension, on the basis of inputs given by the user. The calculation of tax credit are based upon salaried individuals tax rates as per FY 2022-23 tax rates, which to the best of the NBP Fund Management Ltd, the Pension Fund Manager, understanding is correct, however no claim is made on the accuracy of tax credit. Investors/ Participants are expected to seek independent advice so as to determine the tax saving from investment in Voluntary Pension Schemes (VPSs). The growth in value of contributions is dependent upon scenario assumed, which are subject to various risks including market, credit and liquidity risks. Investors are required to read the Offering document of NAFA Pension Fund and /or NAFA Islamic Pension Fund, before considering to invest in Pension Funds. NBP Funds is an approved Pension Fund Manager under Voluntary Pension System Rules 2005. This simulator is only for illustration purpose, no claim is made on the accuracy of the results, and the Company can not be held liable for any kind of error.

Allocation Scheme	Equity Sub Fund	Debt Sub Fund	Money Market Sub Fund
i) High Volatility	min 65%, max 80%	min 20%, max 35%	0%
ii) Medium Volatility	min 35%, max 50%	min 40%, max 55%	min 10%, max 25%
iii) Low Volatility	min 10%, max 25%	min 60%, max 75%	min 15%, max 30%
iv) Lower Volatility	0%	min 40%, max 60%	min 40%, max 60%
v) Customized	min 0%, max 100%	min 0%, max 100%	min 0%, max 100%
vi) Life Cycle	(max) 0%	(min) 40%	(min) 40%
18 - 30 years	75%	20%	5%
31 - 40 years	70%	25%	5%
41 - 50 years	60%	30%	10%
51 - 60 years	50%	30%	20%
61 years and above	Nil	50%	50%

What is your expected annual return of the respective sub-schemes over your working years?
Equity Sub Fund	Debt Sub Fund	Money Market Sub Fund
%	%	%

VPS Simulator

VPS Simulator

Select Allocation Scheme

VPS Simulator

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