Al Ameen Annual Newsletter 2014

By the Grace of Allah Almighty, the outgoing year 2014 has been a tremendous one for Al Ameen Funds.

It is of great pride to share with you that UBL Fund Managers has achieved yet another milestone as it has been assigned a Management Rating of AM2+ by JCR –VIS which is the highest in the industry denoting High Quality Management. We are currently managing assets of Rs. 21 Billion (as of December 31, 2014) in our Islamic funds.

We would like to extend our thanks to you for the

for managing your investments and will Inshallah

products and services in the future.

From CEO Desk

Al Ameen Islamic Financial Services (Pvt) Limited a wholly owned subsidiary of UBL Fund Managers Limited has

located on Main Khayaban-e-Ittehad, Phase 2.

We invite you to come visit us and discuss your investment plans with the investment advisors.

The address is: Sifthiya Tower, Plot No. 17-E, Khayaban-e-Ittehad, Phase-II, DHA (Opposite Bata). Tel: 35319115-30

call 0800-00026 | sms AMEEN to 8258 | visit www.AlAmeenFunds.com

MANAGED BY UBL FUND MANAGERS LTD. (AM2+ By JCR-VIS)

UBL Fund ManagersLimited, Awarded Top Corporate Excellence Award 2014 in the Financial Sector by Management Association of Pakistan



Al-Ameen Shariah Stock Fund(Formerly UBL Shariah Stock Fund)

1-Year Return

29.70% 174.03% 133.17%

Al-Ameen Islamic Retirement Scheme FundEquity Sub Funds

Debt Sub Funds

Money Market Sub Funds

52.14% 236.73% -

5.91% 8.06% -5.52% 7.58% -

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Al-Ameen Islamic Asset Allocation Fund(Formerly UBL Islamic Asset Allocation Fund)

15.97% N/A N/A

Al-Ameen Islamic Cash Fund

Al-Ameen Islamic Principal Preservation Fund – I

(Formerly UBL Islamic Cash Fund)

(Formerly UBL Islamic Retirement Savings Fund)

6.72% N/A N/A

Al-Ameen Islamic Sovereign Fund(Formerly UBL Islamic Sovereign Fund)

6.53% 26.95% 23.34%

Al-Ameen Islamic Agressive Income Fund(Formerly Al-Ameen Islamic Income Fund)

12.53% 45.9%

19.57%

16.88% 16.32%

16.45% 16.43%

11.40%

7.12%

7.48%

8.23% 26.52%

3-Year Absolute ReturnJan 2011 till Dec 2014

We successfully launched three more funds from our principal preservation series in 2014. The performance of our previously launched funds has been as follows:

(Formerly UBL Islamic Principal Preservation Fund - I)

Al-Ameen Islamic Principal Preservation Fund – II(Formerly UBL Islamic Principal Preservation Fund - II)

Jan 2014 till Dec 2014

Fund FundBenchmark Benchmark

27.59% 26.06%

-1.32% -

3.84% -1.32% -

N/A N/A

N/A N/A

N/A N/A

5.73% 8.10%

5-Year Annualized ReturnJul 2009 till Jun 2014 CAGR

Fund Benchmark

18.14% 18.61%

36.01% -

7.97% -7.19% -

16.05% 12.42%

6.71% 7.06%

9.29% 7.39%

5.79% 8.09%

Since Inception Return

Fund Benchmark

1-Year Return Jan 2014 till Dec 2014

Fund Benchmark

23.28% 22.48%

19.84% 18.32%

CAGRSince Inception Return

Fund Benchmark

For details refer to Annexure A

For details refer to Annexure A

In spite of considerable political uncertainty, bad law and order situation and a challenging macroeconomic environment, 2014 proved to be a good year.

improvement during second half of 2014. Decline in international commodity prices, especially oil prices, has come as a welcome development for oil importing countries like Pakistan. It has lowered expectations regard-

from multilateral institutions like IMF, WB and ADB and success in raising money from foreign investors through privatization of state owned enterprises and issuance of international bonds and sukuks has favorable implications for foreign exchange reserves and

government’s reliance on domestic borrowing has been reduced.

We expect the stock market to perform well during CY 2015 due to various factors. Declining returns on income generating securities lower the opportunity cost of stock market investments. Higher expectations of GDP growth should translate in higher revenue growth for businesses. Improving

prices are expected to lead to higher growth in

Returns on Money Market and Income funds are also expected to improve going forward with the stabilization of yields on Ijara Sukuks as a result of the steps taken by SBP.


Al Ameen Funds has joined facebook where we plan to share information about investment opportunities, provide product updates, share our favourite Islamic quotes and lots more!

So please like our page by visiting:

We look forward to your suggestions and feedback on how to make our presence on facebook meaningful.

www.facebook.com/alameenfundspk

Online Services

SMS Services

Check your account information online and make transactions via the Internet. No forms, no delays!

To subscribe sms ONLINE to 8258

Get your account information on your phone and make transactions via SMS. Fast and easy!

To subscribe sms REG to 8258


Al-Ameen Shariah Stock Fund Long-term (3 to 5+ yrs)

IslamicVoluntaryPensionScheme

IslamicFund of FundsScheme

IslamicEquity

IslamicAggressiveFixed Income

Islamic PlanUnderlying Funds:AISF & ASSF

Islamic PlanUnderlying Funds:AISF




IslamicIncome Fund

IslamicMoney MarketFund

AA (JCR-VIS)

AA Minus (JCR-VIS)

BBB+ (JCR-VIS)

N/A

N/A

N/A

N/A

N/A

Not yet rated

Not yet rated

Not yet rated

MFR-4 STAR (JCR-VIS)1 Yr Average

IslamicAsset Allocation

Investment DurationScheme Name Best Suited For Fund Category Fund Rating

Salaried individuals, Business owners

Al-Ameen Islamic Asset Allocation Fund

Medium-term (1 - 3 yrs)


DISCLAIMER: ALL INVESTMENT IN MUTUAL FUNDS ARE SUBJECT TO MARKET RISKS. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF THE FUTURE RESULTS. PLEASE READ THE OFFERING DOCUMENT OF THE UNDERLYING FUNDS AND SUPPLEMENTAL OFFERING DOCUMENT OF THE PLAN TO UNDERSTAND THE INVESTMENT POLICIES AND RISKS INVOLVED. PRINCIPAL PRESERVATION ONLY APPLIES TO UNITHOLDERS WHO HOLD THEIR INVESTMENT TILL MATURITY.

Al-Ameen Islamic Cash Fund Short-term (6 months to 1 yr)

Business owners, Retirees

Al-Ameen Islamic Sovereign Fund Medium to Long-term(2 to 5 years)

Business owners, Retirees

Al-Ameen Islamic Aggressive Income Fund

Medium to Long-term(2 to 5 years)

Business owners

Al-Ameen Islamic Children Savings Plan

Long-term(3 to 5+ yrs)


Al-Ameen Islamic Mahana Munafa Plan

Long-term (3 to 5+ yrs)

Retirees

Al-Ameen Haj Savings Plan Medium to Long-term(2 to 5 years)

Salaried individuals, High Net Worth clients

Al-Ameen Islamic Wealth Builder Plan


Salaried individuals, High Net Worth clients

Al-Ameen Islamic Equity Builder Plan


Salaried individuals, Business owners, High Net Worth clients

Al-Ameen Principal Preservation Series

Term Based (2 years)

Salaried individuals, Business owners, High Net Worth clients

Al-Ameen Islamic Retirement Savings Fund

Long-term Salaried individuals, High Net Worth clients

(Formerly UBL Shariah Stock Fund)

(Formerly UBL Islamic Cash Fund)

(Formerly UBL Islamic Sovereign Fund)

(Formerly Al-Ameen Islamic Income Fund)

(Formerly UBL Islamic Children Savings Plan)

(Formerly UBL Mahana Munafa Plan - Islamic)

(Formerly UBL Haj Savings Plan)

(Formerly UBL Wealth Builder Plan)

(Formerly UBL Equity Builder Plan)

(Formerly UBL Principal Preservation Series)

(Formerly UBL Islamic Retirement Savings Fund)

(Formerly UBL Islamic Asset Allocation Fund)



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Disclosure per SECP’s SCD Circular No. 16, 2014

Documents

Al Ameen Annual Newsletter 2014