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Faysal Savings Growth Fund

Funds Overview


In line with its investment objectives, funds will be invested in a range of liquid money market and debt instruments. The investment portfolio will primarily comprise of PIB’s, Bank Deposits, Treasury Bills, debt securities (TFCs, sukuks etc) , Certificates of Investments, Spread Transactions and any other security or instruments that may be allowed by SECP.

Brief Terms of FSGF are presented below


Fund Type Open Ended
Category Income Scheme
Risk Profile Low
Stability Rating AA-(f) (PACRA)
Launch Date May 12, 2007
Custodian/Trustee Central Depository Company of Pakistan (CDC)
Auditor Deloitte Yousuf Adil
Management Fee 1.50%
Front end Load Up to 2% of NAV
Back end Load Nil
Min Subscription Type A PKR. 5,000/- & Type B PKR 50,000/-
Benchmark Six months KIBOR rates
Pricing Mechanism Forward
AMC Rating AM3 (JCR-VIS)

Key Benefits


Encashment without any penalty
Invest with as low as Rs. 5,000 (Type A) and Rs. 50,000 (Type B)
Competitive returns as compare to the bank deposit
No minimum holding period of investment
Salaried / Non-salaried Investors can avail tax credit on their investment under section 62 of Income Tax Ordinance 2001 – subject to holding of investment for 24 months from investment date

FSGF Performance


Year Dividend Payout Fund's Annual Yield Benchmark's Annual Yield
FY 2006-07 1.25% 10.42% 9.39%
FY 2007-08 10.00% 9.97% 10.13%
FY 2008-09 12.75% 12.74% 13.38%
FY 2009-10 10.95% 10.98% 12.44%
FY 2010-11 10.40% 11.01% 13.34%
FY 2011-12 10.75% 11.14% 12.33%
FY 2012-13 7.85% 8.67% 9.88%
FY 2013-14 8.57% 8.81% 9.76%
FY 2014-15 12.85% 12.81% 6.61%
FY 2015-16 7.80% 7.75% 6.50%
FY 2016-17 5.75% 5.99% 6.10%
FY 2017-18 4.75% 4.90% 6.35%

Investment Objective & Strategy


In line with its investment objectives, funds will be invested in a range of liquid money market and debt instruments. The investment portfolio will primarily comprise of PIB’s, Bank Deposits, Treasury Bills, secured and unsecured listed or privately placed debt securities, Certificates of Investments, Spread Transactions and any other security or instruments that may be allowed by SECP.

Investment Committee

Mr. Khaldoon Bin Latif CEO
Mr. Ayub Khuhro CIO
Mr. Syed Shahid Iqbal SR. Fund Specialist - Fixed Income
Mr. Furqan Miriwala Head of Compliance & Internal Audit (Non-voting)
Mr. Mohammad Qasim Manager Risk

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