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ISLAMABAD, Nov 19 (APP):The Employees’ Old-Age Benefits Institution (EOBI) has reported a total investment portfolio of Rs 651.03 billion as of October 31, 2025.
The portfolio composition mentioned in a document available with Wealth Pakistan highlights a strong focus on fixed income securities, real estate, and equity investments, aiming to ensure long-term financial security for employees’ pensions and retirement benefits.
According to the breakdown provided in the official presentation, fixed income investments account for the lion’s share of the portfolio, totalling Rs557 billion, or 85% of the total value.
This category primarily consists of Pakistan Investment Bonds (PIBs), which alone constitute Rs497.12 billion of the total portfolio.
Additionally, the portfolio includes accrued profits from PIBs valued at Rs37.49 billion, along with Market Treasury Bills (MTBs), which make up Rs5.1 billion.
Real estate investments form another substantial segment, amounting to Rs58.55 billion, or 9% of the overall portfolio. This is distributed across real estate properties (Rs42.36 billion) and real estate projects (Rs16.20 billion). The real estate investments play a key role in the diversification strategy, providing a hedge against inflation and contributing to the overall stability of the fund.
Equity investments make up a smaller, yet significant, portion of the portfolio, with Rs35.49 billion or 6% allocated to various stocks.
This includes Available-for-Sale Equity worth Rs27.14 billion and Held-for-Trading Equity of Rs8.35 billion. Despite their relatively small proportion, equity investments offer an opportunity for higher returns in the long term.
The total investment income projected for 2025 stands at Rs80.16 billion, a promising indicator of the fund’s future income-generating potential.
The EOBI’s investment strategy continues to emphasise safety and long-term growth, aiming to secure the retirement benefits of millions of workers across Pakistan. By maintaining a diversified portfolio, EOBI ensures that its funds are well-positioned to weather economic fluctuations while delivering reliable returns.