PENSION FUND CONCEPT

PENSION FUND CONCEPT

  • New financial instrument
    A new type of benefit that allows Enterprise and Employees to jointly contribute to increase the Employee’s retirement income

  • Managed by investment experts
    The pension account will be managed by a team of experienced investment experts of DCVFM

  • Flexible design
    Pension program can be designed and customized to meet requirements of the enterprise

DRAGON CAPITAL PENSION

As the first Supplemental Pension Program in Vietnam, Dragon Capital Pension is operated by Dragon Capital and has been assessed and licensed by the Ministry of Finance

DCVFM has been granted with the voluntary supplemental pension fund management services license No. 01/GCN-QLQHTBSTN on May 15. 2019 by the Ministry of Finance

BENEFITS FOR EMPLOYER

BENEFITS FOR EMPLOYER

Enhance Employee Benefits

An opportunity to improve employee benefits package of the company

Maximize the Efficiency of HR Expenses

Fund certificates are refunded if the vesting conditions are not fulfilled

Corporate Income Tax Benefit

VND 3 Million/ employee/ month

A Comprehensive Management Solution

Online DC Pension Portal

FULLY CUSTOMIZABLE

Enterprises are fully active in designing their own pension program, based on the actual needs for talent compensation

AVAILABLE PENSION FUNDS

3 pension funds are designed to suit different the risk appetite and investment needs.

Thịnh An

Higher risks for higher returns

  • Age < 36
  • Participation ≥ 25 years

Phúc An

Balanced between risks and returns

  • 36 < Age ≤ 50
  • Participation < 25 years

Vĩnh An

Conservative and low-risk investment

  • Age ≥ 51
  • Participation ≤ 10 years

HOW TO PARTICIPATE

Contact the consultation team

Develop the pension program based on Enterprise’s requirements

Enterprise signs the Framework contract with Dragon Capital

Employee registration and contribution

Find out more

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS

Dragon Capital Pension is implemented based on the current legal regulations, which are Decree 88/2016/ND-CP, issued on July 1, 2016 on the HTBSTN program and Circular 86/2017/TT- The BTC dated August 15, 2017 guides a number of articles of Decree 88/2016/ND-CP.

DCVFM is certified by the Ministry of Finance to be eligible to provide voluntary supplemental pension fund management services. Dragon Capital Pension and its financial funds are established and operated in accordance with the law on voluntary supplemental retirement funds. Fund participants' contributions will be managed separately from DCVFM's assets at the Custodian Bank of each fund and under the supervision of the Custodian Bank in accordance with the law. The fund management company only performs fund management and investment operations. Therefore, in the event that DCVFM goes bankrupt, the assets of the fund/fund participants at the financial funds under Dragon Capital Pension managed by DCVFM will be completely unaffected.

Participating enterprises only need to sign a Contract with DCVFM. Employees, who participate under the Employer’s Pension Scheme will sign the Participation Agreement with their Employer and complete the account opening process through the DC Pensions Portal online.

DCVFM does not require the Enterprise to determine the minimum number of employees to participate or the time to jointly contribute with the Employees. Enterprise can change the program design, pause or stop contributing during the participation period, depending on their needs and subject to agreement with the participating employees.

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