Karachi, November 11, 2025: Lucky Investments Limited today announced the launch of
the Lucky Islamic Pension Fund (LIPF) — a Shariah-compliant, professionally managed
savings solution designed to help individuals build long-term financial security through
disciplined and ethical investing.
The launch marks an important milestone in Pakistan’s growing Islamic finance landscape,
aligning with the government’s broader vision of transitioning to a fully Islamic financial
system by 2028. It also reinforces Lucky Investments’ commitment to creating inclusive
financial products that combine market performance with faith-based principles.
Bridging Faith and Financial Security
The Lucky Islamic Pension Fund offers investors a unique opportunity to save systematically
for their post-retirement years while ensuring that their investments adhere strictly to Islamic
principles. The Fund will invest in Shariah-compliant equities, Sukuk, Islamic money market
instruments, and other approved avenues, with the objective of balancing growth and stability
over the long term.
Speaking at the launch ceremony, Mohammad Shoaib, CFA, Chief Executive Officer of
Lucky Investments Limited, said:
“With the Lucky Islamic Pension Fund, we are not just launching a new financial product —
we are creating a pathway for dignity and independence in retirement. Every individual
deserves the peace of mind that their savings are both financially sound and ethically
Grounded.”
He added that the Fund reflects Lucky Investments’ long-standing vision of connecting capital
with conscience.
“We believe that saving for the future should not come at the cost of one’s beliefs. This Fund
is designed to help investors grow their wealth in a manner that aligns with their values —
responsibly, transparently, and with long-term impact.”
Responding to a Growing National Need
Pakistan’s population is aging steadily, yet formal pension coverage remains low. A significant
portion of the workforce, particularly in the private and informal sectors, reaches retirement
without structured savings. Islamic pension funds have emerged as a crucial tool for addressing
this gap — offering a blend of disciplined savings, tax incentives, and faith-based investment
Integrity.
The Lucky Islamic Pension Fund seeks to make this opportunity accessible to a broader range
of savers, including young professionals, self-employed individuals, and small business
owners. By investing even modest monthly amounts, participants can accumulate meaningful
retirement savings over time, ensuring financial independence when it matters most.
Structure and Investment Approach
The Fund will offer four investment sub-funds — Equity, Debt, Money Market,
and Gold — allowing participants to choose or combine portfolios that match their risk
appetite and life stage. Each sub-fund will be managed according to the highest standards of
Shariah compliance, under the supervision of our Shariah Advisor.
All contributions and investment activities will be monitored under a transparent governance
framework, consistent with Lucky Investments’ focus on investor protection, integrity, and
long-term value creation.
A Step Toward Financial Inclusion and Prosperity
The introduction of the Lucky Islamic Pension Fund also reflects a broader shift toward
responsible financial inclusion in Pakistan. By combining the principles of Islamic finance with
the discipline of long-term investing, the initiative seeks to help citizens take greater control of
their financial futures.
Mr. Shoaib noted:
“As our economy evolves, it is vital that we build systems that allow people to retire with
security, not dependency. Islamic pensions are not just about savings — they are about
restoring confidence, empowering individuals, and strengthening the social fabric.”
He added that Lucky Investments remains committed to innovation in faith-based investing,
aiming to expand its range of Shariah-compliant solutions across mutual funds, savings
plans, and pension offerings.
About Lucky Investments Limited
Lucky Investments Limited, a group company of Yunus Brothers (Lucky) Group, is a full-
fledged Islamic Asset Management Company. Yunus Brothers Group is known for its integrity,
innovation and governance throughout Pakistan. Lucky Investments inherits the same
principles and competencies from the Group and is led by best-in-class team of investment
professionals with decades of relevant experience.
Muhammad Shoaib, CFA, known as pioneer of Islamic asset management in Pakistan, is co-
founder and CEO of Lucky Investments Limited. With over three decades of track record, he
is renowned for his instrumental role in shaping Pakistan’s capital markets and Islamic finance
sector. The renowned Shariah Scholar, Mufti Muhammad Hassaan Kaleem, is the Shariah
Advisor of Lucky Investments.
Lucky Investments has already launched four funds in a short span of six months with current
AUM size of over Rs. 100 billion.
Lucky Investments’ vision is to be the premier choice for Shariah-compliant investments,
fostering sustainable growth with integrity, innovation, and investor trust.
CONTACT US
LUCKY INVESTMENTS LIMITED
Address: Ground Floor, Finance & Trade Centre (FTC),
Shahrah-e-Faisal, Karachi, Pakistan.
UAN: 111-LUCKY1(582-591)
Email: info@luckyinvestments.com.pk
Website: www.luckyinvestments.com.pk
Disclaimer: Participants and prospective participants are advised in their own interest to
carefully read the contents of this offering document in particular the risk factors mentioned in
clause 8.10 and warnings in clause 15 before making any investment decision.
The product herein above has been approved by our Shariah Advisor, Mufti Muhammad
Hassaan Kaleem, whose registration reference number is (SECP/IFD/SA/002).
