Vision Voluntary Pension Fund

This is an investment mechanism for the medium and long term that allows saving discipline with the target of consolidating a capital to enjoy a tranquil and safe future, with an ideal complement to the mandatory pension established by Colombian law. You can make come true your family's projects and yours.

Voluntary Pension Fund

The contribution that the affiliate chooses to make can be periodical or systematic, occasional or for a single time, in tune with the personal financial plan. For the institutional or company plans, the amount and frequency corresponds to what is established by the sponsor entity.

The affiliates and the sponsor entities have an Investment Platform integrated by the Stable Portfolio, the Open Alternatives and the Closed Alternatives.

Grades: S2AAAF(COL)
Regarding market risk, the qualifier assigned “S2(col)”, which means that the sensibility of the fund in case of interest rate variations and other risk factors is moderate.
Natural persons

When you make contributions to the Vision Voluntary Pension Fund, you can take resources to diverse portfolios according to the risk profile. The saved money can be invested in Colombian fixated income titles, colombian stock, real estate, international stock, among others.

Besides obtaining profitabilities in the long term, the contributions to a voluntary pension will allow you to obtain several benefits. On one hand, you can diminish the source tax and the annual income tax. On the other hand, the profitabilities that you obtain through the fund will be a non taxable income.

These benefits will be permanent as long as you comply with the next rules: 1) The contributions must remain 10 years in the Voluntary Pension Fund. 2) If you withdraw contributions, these must be used for housing acquisition.

Legal persons
  • Companies can sponsor the saving plans of their workers and make contributions via Vision Voluntary Pension Fund, with the purpose of upgrading their work and pensional welfare.
  • The company contributions can be conditioned, so the sponsors define the requisites that must be fulfilled so the workers can benefit from such contributions.
  • Companies have tax breaks in the income tax and in CREE, as well as working benefits, when they structure company plans in the Vision Voluntary Pension Fund.



Vision Global Real-estate

This alternative allows to invest in ETF, stock and mutual funds exposed to the main real-estate markets in the world.

Risk profile:
High risk
Permanence term:
90 days
Minimum investment:
1.000.000 COP
The Vision Global Real-estate Open Alternative mainly invests in ETF, stock and real-estate mutual funds such as REET (ETF that invests in USA, Japan, UK, France, Australia among others), VNQ (ETF that invests in USA), VNQI (ETF that invests in real-estate outside of USA) among others.acciones y fondos mutuos inmobiliarios, tales como el REET (ETF con inversiones en Estados Unidos, Japón, Reino Unido, Francia, Australia, entre otros), VNQ (ETF con inversiones en Estados Unidos), VNQI (ETF con inversiones inmobiliarias por fuera de Estados Unidos), entre otros.
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