Vietcombank Fund Management Company (VCBF) is a joint venture between Vietcombank and Franklin Templeton Investments, one of the world’s leading investment management groups.
Established in 2005, VCBF follows a value investing philosophy based on fundamental analysis, supported by an experienced investment team and a client-first approach.
VCBF is qualified to provide voluntary supplementary pension fund management services under License No. 04/GCN-QLQHTBSTN issued by the Ministry of Finance on 03 March 2022.
VCBF has developed and implemented the VCBF Supplementary Pension Insurance Program in accordance with Decree No. 85/2026/ND-CP, enabling employers to provide long-term retirement benefits for employees through regular contributions, long-term asset accumulation, and applicable tax incentives.
It is a pension insurance program implemented through employers to help employees accumulate additional income for retirement, alongside the compulsory social insurance scheme.
Contributions are invested to grow in value over time and are recorded in each employee’s individual pension account. Entitlement to benefits is made in accordance with the program regulations and the participation agreement between the employee and the employer.
Employers and employees make contributions on a voluntary basis, as mutually agreed.
Assets are invested under a prudent investment strategy, targeting long-term growth.
Standard Chartered Bank and Vietnam Securities Depository and Clearing Corporation help ensure safety and transparency.
Employees receive benefit payments upon reaching retirement age or upon ceasing participation.
Deductible expense for Corporate Income Tax purposes, up to VND 5 million per employee per month.
Contributes to savings on compulsory insurance costs.
An effective for long-term talent attraction and retention.
Flexibility in designing contribution levels for employees.
Personal Income Tax deduction, up to VND 3 million per employee per month.
Attractive investment returns through financial investment and compounding.
Full entitlement to all accumulated assets, including contributions and investment returns.
Flexible withdrawals, in full or in part, tax-free.
Reduced investment risk through a portfolio with at least 50% allocated to Government Bonds.
Assets are supervised by the custodian bank and the Ministry of Finance.
Contributions can continue even after changing jobs.
Balancing long-term return growth with preservation of asset value.
Net of all fees
(as a percentage of the Fund’s Net Asset Value)
Preserving initial capital while generating regular income and increasing the asset value of the pension fund account.
Net of all fees
(as a percentage of the Fund’s Net Asset Value)
The expected returns stated above are for reference only, based on an assumed average compound investment return, and do not constitute a commitment to actual returns. Actual investment returns may fluctuate depending on market conditions.
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Employers and employees make monthly contributions.
Contributions are invested under a prudent investment strategy, targeting long-term growth.
Assets are independently custodied and supervised.
Employees receive supplementary pension payments upon retirement.
Savings on compulsory insurance costs.
*Illustration based on a company with 150 employees.
in annual cost savings.
estimated long-term benefit over 40 years from annual savings.
Personal Income Tax savings and long-term accumulation.
*Illustration based on a company with 150 employees.
in annual tax savings.
estimated long-term accumulation benefit over 40 years from tax savings.
Assuming a monthly contribution of VND 3 million, gross salary of VND 20 million per month, and an assumed return of 7.5% per year.
Total contributions to the fund: VND 1.44 billion
Estimated pension account value
Total contributions to the fund: VND 1.37 billion
Estimated pension account value
Figures are for illustrative purposes only, based on an assumed average compound investment return of 7.5% per year and do not guarantee future investment returns. The contribution level of VND 3 million per person per month and related Personal Income Tax incentives may change in accordance with official regulations from time to time.
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