Multi Funds

Explore flexible investment options designed to match your risk profile, age, and retirement goals.
Choose the Multi-Fund structure that best suits your financial needs and secure your future with confidence.

Select your preferred Fund type

The Multi-Fund Structure allows contributors to choose a fund that aligns with their risk appetite, age, and retirement goals.
Each fund has a defined investment strategy and eligibility criteria.

Fund I – High Risk / High Return (Optional)

  • Designed for contributors with a higher risk tolerance seeking potentially higher returns.
  • Equity Exposure: Minimum of 20% and maximum of 75% in variable income instruments (e.g., equities).
  • Eligibility:
    • Contributors aged 49 years and below.
    • Must opt in through a formal request.

Fund II – Medium Risk / Medium Return

  • Offers a balanced portfolio with moderate risk and return potential.
  • Equity Exposure: Minimum of 10% and maximum of 55% in variable income instruments.
  • Eligibility:
    • Default fund for contributors aged 49 years and below.
    • Contributors from Fund III may switch to this fund upon formal request.

Fund III – Moderate Risk (Pre-Retirement Fund)

  • Designed for contributors nearing retirement, focusing on capital preservation with moderate growth.
  • Equity Exposure: Minimum of 5% and maximum of 20% in variable income instruments.
  • Eligibility:
    • Mandatory for contributors aged 50 years and above.

Fund IV – Low Risk (Retiree Fund)

  • Focused on capital preservation and stable returns for retirees.
  • Equity Exposure: Typically 0%, with a maximum of 10% at the Fund Manager’s discretion.
  • Eligibility:
    • Exclusively for retirees.

Key Notes

  • "Variable income instruments” refer mainly to equity investments, which carry higher risk but offer potential for higher returns.
  • Switching between funds (where permitted) requires a formal request and must comply with regulatory guidelines.
  • Your choice of fund should reflect your risk tolerance, age, and retirement goals.
FeatureFund IFund IIFund IIIFund IV
Risk ProfileHigh Risk / High ReturnMedium Risk / Medium ReturnModerate RiskLow Risk
Target InvestorsYounger contributors with high risk appetiteGeneral contributors seeking balancePre-retirement contributorsRetirees
Age Eligibility49 years and below (optional)49 years and below (default)50 years and aboveRetirees only
Entry RequirementFormal request requiredDefault fundMandatory for eligible age groupMandatory for retirees
Equity (Variable Income) Exposure20% – 75%10% – 55%5% – 20%0% – 10% (at manager's discretion)
Investment ObjectiveMaximize long-term growthBalanced growth and stabilityPreserve capital with moderate growthPreserve capital and ensure stable income
Volatility LevelHighModerateLow to ModerateVery Low
Switching OptionAllowedAllowedCan switch to Fund II (with request)Not applicable (retirees)
NPF Pensions

Multi-Fund Structure Consent Form

MULTI-FUND STRUCTURE

Please select your preferred Fund class. Your funds will be invested in line with the applicable portfolio.

Fund I: Optional fund with the highest risk/return profile. Requires 20%–75% exposure to variable income instruments and is available to contributors aged 49 years and below through formal request.

Fund II: Medium risk/return profile with 10%–55% exposure to variable income instruments. Designed for contributors aged 49 years and below.

Fund III: Moderate risk/return profile designed for contributors aged 50 years and above, with 5%–20% exposure to variable income instruments.

Fund IV: Low risk/return profile strictly for retirees, with up to 10% exposure to variable income instruments at the Fund Manager's discretion.

ATTESTATION / INDEMNITY

I hereby confirm that I have read and understood the information regarding the Multi-Fund Structure. I have selected my preferred Fund class and I am aware that my funds will be invested in line with the applicable portfolio. By this, I indemnify NPF Pensions Ltd from any liability directly or indirectly resulting from the performance of the investment which I have opted for.

How It Works

Getting started is simple and straightforward.

1

Complete our simple application form

2

Provide required documentation

3

Make your initial contribution

4

Start growing your retirement savings