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ABL Funds- Shariah Compliant Products

You can choose from an extensive range of high-quality Shariah Compliant mutual funds to match your unique investment goals and risk appetite. https://www.ablfunds.com/our-offerings/shariah-compliant-offerings/

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ABL Funds- Shariah Compliant Products

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  1. 17. 10. 2022 ABL Funds Our Product Offerings PRESENTATION TITLE

  2. SHARIAH COMPLIANT OFFERINGS

  3. Name of Collective Investment Scheme Risk of Principal Erosion Category Risk Profile ABL Islamic Cash Fund Money Market Scheme Low Principal at low risk ABL Islamic Income Fund Income Scheme Medium Principal at medium risk ABL Islamic Financial Planning Fund (Conservative Allocation) Fund of Fund Scheme Medium Principal at medium risk ABL Islamic Asset Allocation Fund Asset Allocation Scheme Medium Principal at medium risk ABL Islamic Financial Planning Fund (Active Allocation) High Principal at high risk Fund of Fund Scheme ABL Islamic Financial Planning Fund (Aggressive Allocation) High Principal at high risk ABL Islamic Stock Fund Equity Scheme High Principal at high risk

  4. ABL ISLAMIC CASH FUND ABL Islamic Cash Fund (ABL ICF) offers a Shariah-compliant, low-risk avenue for short-term investments, aiming for stable returns through money market instruments. It's ideal for investors seeking stability and liquidity while avoiding long-term fixed income and stock market volatility. Investment Objective: The objective of the fund is to provide competitive returns by investing in low risk and highly liquid Shariah Compliant money market instruments. Key Features • Investment in Shariah compliant, high-quality liquid and short-term money market instruments with issue or entity rating of minimum ‘AA’. • Maximum possible preservation of principal amount and competitive stable returns. • No fixed-term holding period requirement. • Actively managed by seasoned and professional fund managers. • Low-risk and return potential. Benchmark Front-End Load Management Fee *Average deposit rates of three (3) AA rated Islamic Banks or Islamic windows of Conventional Banks upto 1% 0.50% p.a. of Net Assets

  5. ABL ISLAMIC INCOME FUND The ABL IIF aims to offer secure and consistent Halal income while delivering strong long-term returns. This is done by investing in various Shariah-compliant money market and debt instruments. This fund is ideal for investors seeking stability in volatile markets and diversification in a Halal-compliant manner. Investment Objective: To provide investors with an opportunity to earn higher income over the medium to long-term by investing in a diversified portfolio consisting of different money market and debt instruments permissible under the Shariah principles. Key Features • It aims at Halal and consistent stream of income, which is strictly monitored and approved by Shariah Advisor. • Potential of providing maximum preservation of principal amount along with competitive returns. • It is an ideal Shariah Complaint long-term regular income solution. • Actively managed by seasoned and professional fund managers. • No lock-in period/back-end load. Benchmark Front-End Load Management Fee *Average of 6 Month Deposit Rate of 3 A rated Islamic Banks upto 1.5% 8% of gross earning (min 0.4% & max 1%) of N.A p.a

  6. ABL ISLAMIC ASSET ALLOCATION FUND Seeking stability and growth in a Shariah-compliant way? ABL Islamic Asset Allocation Fund (AIAAF) offers a chance for competitive returns via a blend of Shariah-compliant fixed income and equity investments. It's perfect for investors aiming for long-term capital growth through a diversified portfolio of compliant securities. Investment Objective: The investment objective of the Fund is to earn a potentially high return through asset allocation between Shariah Compliant Equity Instruments, Shariah Compliant Fixed Income Instruments, Shariah Compliant Money Market Instruments and any other Shariah Compliant instrument as permitted by the SECP and Shariah Advisor. Key Features • Provides investors with an opportunity for long-term capital appreciation through broad mix of asset classes in a Shariah Compliant manner. • Up to 100% fixed income participation is possible, based on fund manager’s outlook while also taking up to 30% exposure to equity securities. • Effective portfolio diversification through a single investment scheme may provide long-term investors with lower overall portfolio volatility and better risk adjusted returns. • Actively managed by seasoned and professional fund managers. • Operating under the guidance of Al-Hilal ShariahAdvisors (Pvt.) Limited. The Shariah Supervisory counsel is headed by Mufti Irshad Ahmed Aijaz. • No lock-in period and back-end load. Benchmark Front-End Load Management Fee *Weighted average daily return of KMI 30 Index and 6M avg Islamic Banks or Islamic Banking windows of scheduled commercial banks based on actual proportion of Investment in Equity & Fixed Income Upto 3.00% 0.2% of Net Assets

  7. ABL ISLAMIC STOCK FUND ABL Islamic Stock Fund (ABL ISF) pursues long-term capital growth and competitive Halal returns through diversified Shariah-compliant equities, offering higher risk. It's ideal for investors aiming for long-term wealth growth, combating inflation through stock market investments, and benefiting from cost-effective management practices to achieve their financial goals. Investment Objective: To provide capital appreciation to investors through higher, long-term risk adjusted returns by investing in a diversified shariah compliant portfolio of equity instruments offering capital gains and dividends. Key Features • An ideal Shariah Compliant long-term capital growth and wealth creation solution. • Diversification of stocks across a wide selection of Shariah Compliant companies and sectors • Strong record of long-term performance both in absolute terms and relative to its benchmark • Actively managed by seasoned and professional fund managers. • Begin to invest with as Low as 5,000/- • No Fixed-Term holding period requirement • Easy access to your money without any penalty Benchmark Front-End Load Management Fee KMI-30 Index Upto 2% 2% p.a

  8. ABL ISLAMIC FINANCIAL PLANNING FUND ABL Islamic Financial Planning Fund aids in achieving Shariah-compliant financial goals by diversifying asset allocation through a portfolio of various underlying assets. Investment Objective: To generate returns on investment as per the respective allocation plan by investing in Shariah compliant mutual funds in line with the risk tolerance of the investor. Key Features • Diversification, professional fund selection and built-in asset allocation, all bundled into one mutual fund. • An easy access to ABL’s Islamic flagship funds, all having different investment strategies, through one investment vehicle – ABL Islamic Financial Planning Fund (ABL IFPF). • Periodic rebalancing to maintain pre-defined allocation ensures focused investment strategy eliminating human intervention. • Flexibility to choose investment plans based on different allocation strategies that suit varying risk profiles Benchmark Front-End Load Management Fee Weighted average return of KMI 30 Index and average 6month deposit rate of three Islamic Banks Upto 2% NIL (upto 1.50% p.a. on the value of underlying Funds not managed by ABLAMC)

  9. ABL ISLAMIC PENSION FUND Retirement planning is one of the most important life-stage goals which involves careful considerations and planning. ABL Islamic Pension Fund (ABL IPF) is a Sharlah Compliant personalized savings plus investment tool for systematic retirement planning to ensure a comfortable post-retirement lifestyle. II has the potential to provide attractive returns and create wealth over your entire work life with the additional advantage of Tax Savings (as per the prevailing tax laws), U1us significantly enhancing the overall yield on your investment Investment Objective: To provide a secure source of savings and regular income after retirement to the Participants. Key Features • The Pension Fund is Fully Yours and you have the choice of selecting allocation schemes • Affordable - ABL PF allows you to start investing with as little as Rs. 500 and subsequent contributions can also be made with Rs.500/- • Flexible and Convenient -You can choose to invest regularly through monthly, quarterly, half-yearly, or yearly installments or contribute as and when you want, without any risk o! penalties on missing payments. • Tax Efficient Structure - Gain earned on contributions made in ABL Pension Fund is accumulated Tax-free till retirement. • Tax Credit (as per ITO section 63) on upto 20%• of your taxable income. • Range of Investment Options - The participant has the option to choose from various Allocation Schemes. • Opportunity to take 100% exposure to one particular asset dass for building retirement as per the risk and return requirement.

  10. ABL ISLAMIC PENSION FUND Key Features (Continued) • Accessible - It provides retirement security to all salaried employees, self-employed individuals, licensed professionals and low-income individuals. • Portable - Your pension account will stay with you even when you change jobs. Your account in ABL PF stays intact and continues with or without the new employer and contributions can be resumed at any time either through the new employer, your personal contribution or both. Moreover, you can transfer your pension account to another Pension Fund manager of your choice as and when you like, again without any charge or penalty. • Retirement- Lump-sum Payment - On retirement, participants can withdraw up to 50% of the accumulated balance from their pension account. tree of tax. The remaining 50% can be used for the Monthly Income Payment Plan offered by the Pension Fund Manager (Disbursement of MIPP is subject to applicable Tax laws). • Premature Retirement - Death or disability, as defined in VPS Rules is deemed as ret1rement. This entitles the nominees to encash 50% of the accumulated balance, again free of tax. • Choose Your Retirement Age - A Participant has the freedom to choose retirement age (any time between 60 and 70) or 25 years from the age of first contribution wI1icllever is easier. In case of any permanent disability, participants can choose retirement age earlier. • No penalties on missing payments. • No lock in Period - however staying in the scheme is the essence to build up to your retirement Front-End Load Management Fee Maximum of 3 % on all Contributions, unless exempt under the Offering Document 1.5 % p.a. on average Net Assets of each Sub- Fund

  11. Disclaimer: All investments in Mutual Funds and Pension Funds are subject to market risks. Past performance is not necessarily indicative of future results. Please read the Offering Documents of the funds to understand the investment policies and the risks involved.

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