Fund Type
Balanced pension fund
Investment Objective
Long-term growth primarily from equity price appreciation and bond yields.
Asset Allocation
At least 50% of the fund's total asset value is invested in Government Bonds (including investments in government bonds through mutual fund units).
Up to 50% of the fund's total asset value is invested in mutual fund units other than bond funds (such as equity funds, balanced funds, etc.).
Benefits
For Employers
- A solution for building HR policies to attract and retain employees;
- Flexible in setting contribution amounts and timeframes;
- Reduce social insurance and health insurance costs;
- Corporate income tax deductible (up to 3 million VND/employee/month).
For Employees
- Benefit from retirement asset investments;
- Secure assets for retirement;
- Attractive investment returns through diversified financial assets and the power of compound interest;
- Minimize risk as at least 50% of the fund's assets are invested in government bonds, with the remaining 50% diversified across various open-ended funds;
- Option to withdraw in full or in part;
- Ability to continue contributions even after changing jobs;
- Personal income tax exemption (up to 1 million VND/employee/month).
