What Do We Offer

Each scheme has a set of permitted investment classifications that are used to maximize returns for the investor, along with a dedicated research team that specializes in associated asset classes. These categories have been assigned a maximum investment ceiling to ensure implementation of investment diversification.

Fixed-Income schemes are premised on a capital-preservation strategy with permissible investments consisting of money market instruments, high-rated fixed income instruments, FI placements and local and international bonds of high credit quality.

Apart from structured products, Faysal Asset Management offers Discretionary Portfolio Services where clients receive customized advisory and investment solutions with investor-specific Investment Policy Statements governing respective investment strategies (return, risks, constraints etc.).

Each client selects one of three investment strategies with pre-established multi-asset class investment limits. Within these limits, the client has the option to either opt for an optimal investment strategy or define a customized portfolio mix. The client will have the option to switch between the optimal portfolio (as prescribed by the firm) and the customized portfolio.

The three investment categories are based on the client’s risk appetite, namely (i) Low Risk (ii) Medium Risk and (iii) High Risk. Each category has a set of permitted investment vehicles that can be used to generate return for the investor. Investment vehicles within each category have been assigned a maximum investment ceiling to ensure implementation of investment diversification.
The Low Risk category is premised on a capital protected investment strategy with investment vehicles limited to money market instruments and high-rated short term fixed income instruments. The Medium Risk category expands into low beta local equities, long term fixed income instruments and capital protected mutual funds. The High Risk category broadens its scope further by encompassing derivatives, high beta local and international equities, foreign currency trading and Exchange Traded Funds (ETFs).

How do mutual funds earn money for investors?
Investors can earn money from their investment in two ways:
Dividend Payments: A fund may earn income in the form of dividends and interest on the securities in its portfolio. The fund then pays its shareholders nearly all of the income (minus disclosed expenses) it has earned in the form of dividends.
Capital Gains: If the market value of a fund’s portfolio increases after deduction of expenses and liabilities, then the net asset value (“NAV”) of the fund, thereby resulting in capital gains for investors