By Abdul Ghani
The Employees’ Old-Age Benefits Institution (EOBI) is managing a massive EOBI investment portfolio 2025 of Rs651.03 billion as of October 31, 2025, showing the scale of its efforts to secure workers’ pensions and retirement benefits, according to a document seen by this reporter.
Focusing on Stability in EOBI Investment Portfolio 2025
The portfolio relies heavily on fixed income securities, real estate, and equities to make sure employees’ pensions remain safe over the long term.
Fixed income investments make up the bulk, totaling Rs557 billion or 85% of the total. Most of this comes from Pakistan Investment Bonds (PIBs), valued at Rs497.12 billion.
Added profits from these PIBs stand at Rs37.49 billion. Market Treasury Bills (MTBs) contribute another Rs5.1 billion to the portfolio.
Investing in Real Estate to Diversify Assets
EOBI has Rs58.55 billion, or 9% of its total portfolio, spread across properties worth Rs42.36 billion and real estate projects at Rs16.20 billion.
These investments help diversify the portfolio, protect against inflation, and provide stability for the fund.
Exploring Equity Opportunities for Higher Returns
The institution holds Rs35.49 billion, or 6%, in stocks. This includes Rs27.14 billion in Available-for-Sale Equity and Rs8.35 billion in Held-for-Trading Equity.
While smaller than fixed income and real estate, these investments can bring higher long-term returns.
Projected Income and Secure Strategy for Future Growth
The total investment income projected for 2025 is Rs80.16 billion, reflecting the fund’s strong income potential and careful management.
EOBI continues to prioritize safety and growth, aiming to protect the retirement benefits of millions of workers across Pakistan. By keeping a diversified mix of assets, the fund is prepared to handle economic ups and downs while providing steady returns.
Author Profile
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Abdul Ghani is a sharp analyst focused on Pakistan's industrial transformation. His reporting reveals the textile sector's pivot from basic cotton to high-growth value-added apparel.
Ghani's work underscores the triumph of knitwear and garments in boosting exports, while warning policymakers to tackle energy costs to secure long-term global competitiveness.
