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WELCOME TO Faysal Funds (Faysal Asset Management Limited)

Faysal Funds (Faysal Asset Management Limited) is a subsidiary of Faysal Bank Limited (FBL). FBL is holding 99.99% shares of Faysal Funds. Faysal Funds was incorporated in Pakistan under the Companies Ordinance, 1984 on August 6, 2003 as an unlisted public limited company and is licensed by the Securities and Exchange Commission of Pakistan to carry out asset management and investment advisory services.

Faysal Funds is an Investment Manager that delivers structured and customized professional investment solutions to its domestic and international clientele. Our endeavors are directed towards facilitating our clients with investing in multiple asset categories to diversify risk in a prudent manner, while capitalizing on the ever-shifting financial and real-economy dynamics within Pakistan as well as across international waters to generate that coveted investment alpha.

Schemes Classifications

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 as applicable for a particular category. The types of schemes available in Faysal Fund’s product suite are:

  • Equity Scheme
  • Asset Allocation Scheme
  • Income Scheme
  • Sovereign Income Scheme
  • Money Market Scheme
  • Capital Protected Scheme
  • Fund of Fund Scheme
  • Voluntary Pension Scheme

Portfolio Services

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.).

Investment Strategies

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.

Investment Categories

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