Conventional
HBL Asset Management Limited offers a broad range of conventional solutions to suit your financial goals and risk appetite. We offer you the opportunity to choose from an assortment of asset classes, addressing your individual strategic investment approach, ranging from conservative to high-risk, as well as capital protected funds.
Shariah Compliant
Designed strictly in conformity with the rules of Islamic Shariah and under the guidance of our Shariah Advisors, HBL Asset Management Limited offers a variety of Shariah-compliant options to match your specific investment goals and risk appetite.
Conventional
Shariah Compliant
Frequently Asked Questions
What is a Mutual Fund?
Mutual fund is a pool of investment/savings of a number of investors who have a common financial goal. These funds are a diversified portfolio of financial instruments (equity, debt or money market) and the pool (total size of the fund) is invested in these markets to help meet investment objectives. The income earned through these investments (capital appreciation) is shared with the unit holders in proportion to the number of units owned by them. Mutual funds are a suitable investment for the common man as they offer an opportunity to invest in a diversified, professionally managed basket of securities.
What are the benefits of investing in a Mutual Fund?
The benefits of investing in mutual funds are as follows:
Professional Fund Managers – Your investment is managed by fund managers who have a high level of educational and professional credentials and appropriate investment managerial experience.
Diversification – Mutual funds aim to reduce volatility of returns and risk by diversification. They invest in a number of companies across a broad section of industries/sectors. With a small investment, an investor can achieve diversification that would otherwise not be possible if the investor invests directly in those securities.
Liquidity – Open-ended mutual funds are priced daily and can be redeemed anytime. This means that investors can redeem their holdings in mutual funds anytime.
Low Transaction Costs – Since mutual funds are a pool of money of many investors, the amount of investment made in securities is large. A small management fee is charged by the company, which if invested directly would cost an individual investor a lot.
Transparency – Prices of open-ended mutual funds are announced daily. The portfolio is also disclosed in the monthly Fund Managers Report.
Is my principal protected?
Should I invest funds that I will need shortly?
Probably not. Most people want assurance money they immediately need will be there when they need it. Mutual funds (except for money market funds) by their nature fluctuate in value and therefore may not be the most comfortable place for your emergency funds.
