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AM2++ Rating ‘High Management Quality’ (by JCR- First AMC in Pakistan to
VIS) offer CPPI-based product
Lipper Fund Award in the First AMC in First AMC in Pakistan to get the
category of Best Performing Pakistan to receive Corporate Excellence Award
Islamic Equity & Islamic two Awards at the Twice from Management
Income Funds Globally P@SHA ICT Awards Association of Pakistan
MBA
Usama Bin Razi Fund Manager – Fixed Income Passed CFA Level 2 10+ Years
BE Computer Systems
Fund Name
Peer Group Benchmark Peer Group
UBL Funds Benchmark UBL Funds
Average Average
UBL Asset Allocation Fund 5.76% 8.35% -1.14% 37.23% 31.12% 23.13%
Al‐Ameen Islamic Asset
6.21% 8.35% -0.67% 33.32% 31.84% 24.01%
Allocation Fund
*Returns of Funds with equity exposure are absolute returns
* Returns are till October 31 2017
Fund Name
Peer Group Benchmark Peer Group
UBL Funds Benchmark UBL Funds
Average Average
UBL Government
4.77% 5.98% 5.80% 8.66% 6.21% 8.07%
Securities Fund
Al-Ameen Islamic
3.70% 4.62% 3.16% 5.01% 5.49% 4.87%
Sovereign Fund
UBL Income Opportunity
3.98% 6.02% 5.97% 6.84% 6.72% 7.82%
Fund
Al-Ameen Islamic
3.99% 5.26% 5.19% 6.15% 6.08% 6.78%
Aggressive Income Fund
*Returns of Funds for more than a year are on morning star methodology
* Returns are till 31 October 2017
USDPKR 3.7%
Inflation 8.0%
1 Yr T-Bills 8.7%
NSS 10.5%
Gold 13.7%
KSE-100 22.0%
0% 5% 10% 15% 20% 25%
Source: KSE, SBP, NCEL & UBL Research
24%
22.03%
19%
14.01%
14%
13.70%
9% 10.34% 10.45%
9.65%
8.66% 5.68%
4% 2.43%
2.32%
1.63% 3.67%
0.64%
-1%
-4.35%
-6%
Nominal Rates of Return (p.a.) Real Rates of Return (p.a.)
Source: SBP, KSE, Reuters, Savings.gov.pk
Monthly Rate of
10 years 15 years 20 years 25 years 30 years
Investments Returns (p.a.)
Total
120,000 180,000 240,000 300,000 360,000
Contribution
Total
180,000 270,000 360,000 450,000 540,000
Contribution
Note: This calculation is for informational purposes only and should not be construed as an offer or solicitation to buy or sell investment products.
The information presented is in summary form and does not substitute for professional advice. The information does not take into account your
personal needs and financial circumstances and you should consider whether it is appropriate for you. Growth rates are assumed to be consistent
throughout the time periods for simplicity and illustration purposes, while this may not be the case in reality where returns are market-driven. The
examples do not purport to represent the performance of any security or investments.
Disclaimer: All investments in mutual funds & pension funds are subject to market risks. Past performance is not necessarily indicative of future12
results. Please read the Offering Document(s) to understand investment policies and risks involved.
Section 2
Investment Avenues in Pakistan
Investment Avenues in Pakistan
Example : National Savings Schemes & Banks
NSS Products:
Defense Saving Scheme : 1- 10 Yrs Fixed Term
Special Saving Scheme : 6-months - 3 Yrs Fixed Term
Regular Income Scheme : 4 – 5 Yrs Fixed Term
Behbood Saving Scheme : 4 - 10 Yrs Fixed Term
Bank Products:
Pool of investments
Fund
Returns
Managers
Generate
Invests in
Securities
Diversification
Economies of Scale
Liquidity
Fast Withdrawals
Choices of schemes
Tax Advantages
©2017 UBL Fund Managers. All rights reserved. 20
Mutual Funds
Managed By Asset Management Company
Investment
Redemption
NBFC Rules - SECP has formulated the legal structure for Mutual
Funds in Pakistan, which has inherent checks and balances to
public media)
©2017 UBL Fund Managers. All rights reserved. 30
Investor Protection
The Trustee
CDC has been the most active Trustee service provider for Asset
Management companies in Pakistan (over 90% of the funds are have CDC
as their Trustee)
E-profile E-Profile
update Update
www.UBLFunds.com
©2017 UBL Fund Managers. All rights reserved.