Retirement
11 articles tagged “Retirement”
Islamic Funds vs Mudarabah Savings vs National Savings for Retirement (2026)
Three halal rails carry Pakistani retirement money: Shariah-compliant funds and VPS, Mudarabah bank deposits, and National Savings' Sarwa accounts. We compare how each pays, what each costs and which fits each age.
Pak-Qatar Family Takaful Review (2026): Plans, Charges, Surplus and Claims
Pakistan's first and largest dedicated family takaful operator reviewed on its own documents: plan list, Wakalah and allocation charges, surplus actually paid out, claims paid, ratings and the Shariah board.
Retirement Planning for Pakistanis (2026): The Halal Complete Guide
Most Pakistanis retire without a meaningful pension. Here is how to build a halal retirement plan in 2026: what EOBI covers, how Islamic VPS works, and where to start.
Voluntary Pension Schemes in Pakistan (2026): The Complete Islamic VPS Guide
How VPS accounts work in Pakistan: sub-funds, allocation schemes, the Section 63 tax credit, withdrawal rules at 60 to 70, and the seven Islamic pension managers compared.
Section 63 Tax Credit Explained (2026): How VPS Contributions Cut Your Pakistani Tax Bill
Section 63 of the Income Tax Ordinance gives VPS contributors a credit worth their average tax rate on up to 20% of taxable income. How it works, who qualifies, and the fine print.
Meezan Tahaffuz vs Alhamra Islamic Pension (2026): The Two Biggest VPS Funds
Meezan Tahaffuz holds Rs 47.31 billion with a gold sub-fund and free takaful cover. Alhamra's equity sub-fund has compounded over 2,100% since 2007. Same fees, very different extras.
Is VPS Halal? Pakistan's Islamic Pension Question (2026)
Islamic VPS funds are halal per mainstream scholars: sub-funds hold only screened assets under named Shariah boards, and the Section 63 tax credit is a tax reduction, not interest. The evidence.
VPS vs Bank Term Deposits for Retirement in Pakistan (2026)
Islamic term deposits feel safe and familiar. A VPS locks money away but pays a tax credit and grows tax-free. Which one deserves your retirement savings? A direct comparison.
Is EOBI Pension Halal? (2026)
EOBI is a compulsory state benefit scheme, and scholars generally permit receiving statutory pensions. The concern is how the fund invests. What is known, what is not, and the scholarly positions.
Retirement Options for Overseas Pakistanis (2026)
Roshan Digital Accounts, Islamic Naya Pakistan Certificates, VPS accounts on a NICOP and diaspora home finance: how overseas Pakistanis can build retirement assets back home, halal.
Atlas vs ABL Islamic Pension (2026): The Two Cheapest VPS Options Compared
Atlas charges no front-end load and 0.20-1.25% actual fees but did not print FY26 returns cleanly. ABL publishes returns but hides its pension AUMs. Cheap comes with trade-offs at both.