Investment Products

Investing in Government Securities has never been easier than this. Now with UBL you can invest in Treasury Bills, Pakistan Investment Bonds and Ijarah Sukuk, depending on your need and investment horizon.

Mutual fund offer investors a simple way to build a portfolio to meet their investment goals. You can invest in professionally managed funds aligned to meet your preferences, your tolerance to risk, and your time horizon. We strive to ensure that we bring you the best investment solutions that help you minimize risk and maximize returns.

• UBL Government Securities Fund (UGSF): UGSF primarily invests in securities issued by Government of Pakistan such as Treasury bills, Pakistan investment bonds and Ijarah Sukuk to provide a competitive stream of income on your investment. As there is no fixed-term holding period requirement, you can invest in this scheme for both your short and long-term needs.
• UBL Liquidity Plus Fund (ULPF): ULPF is a scheme that offers an ideal investment facility that allows you to earn an attractive and stable return while providing you the flexibility of withdrawing your money any time you want. This scheme offers a secure, liquid investment for your short-term needs. In addition to aiming to preserve capital, the scheme seeks to provide the highest possible income available from low-risk, short-term securities, such as T-Bills and high rated Bank Deposits.
• UBL Money Market Fund (UMMF): UMMF is designed to grow your savings over time so that you can meet your medium to long term investment goals with ease. The objective of this scheme is to offer you a competitive rate of return by investing your money in fixed income instruments such as Government Securities & High Rated bank Deposits.
• United Growth & Income Fund (UGIF): UGIF offers you an opportunity to gain exposure in Term Finance Certificates (TFC) and benefit from the long term growth potential offering a less volatile investment avenue compared to a stock market based investment scheme, for the long term growth of your savings.
  The objective of the scheme is to offer clients with superior, risk adjusted returns over a long term by investing in medium to long term fixed income and short term money market instruments.
• UBL Asset Allocation Fund (UAAF): Globally, investing in the stock market is considered to be a time-tested method of creating wealth over long-term. UAAF offers hassle-free method of diversifying your investment in various asset classes/ instruments such as equity, fixed income and money market based on the market outlook to optimize returns and its security. The scheme offers potential for capital growth and high quality investment for your medium-term needs.

• Al Ameen Islamic Sovereign Fund (AISF): AISF is an investment scheme that invests primarily in shariah complaint securities issued by the Government of Pakistan and other high rated shariah-compliant debt and money market instruments to provide a competitive stream of Riba-free income on your investment. As there is no fixed-term holding period requirement, you can invest in this scheme for both your short and long term needs.
• Al Ameen Islamic Aggressive Income Fund (AIAIF): AIAIF is a shariah-compliant investment scheme that offers you an opportunity to gain exposure in Sukuks and benefit from long term growth potential offering a less volatile investment avenue compared to a stock market based investment scheme for the long term growth of your savings. The objective of this scheme is to offer clients with superior, risk-adjusted returns over long term by investing in shariah-compliant medium to long-term income and short term money market instruments.
• Al Ameen Islamic Asset Allocation Fund (AIAAF): AIAAF is a shariah-compliant scheme that offers you an easy way of investing some percentage of your money in the stock market (Islamic equities) and the other in Islamic Income/Money Market. The investment objective of the fund is to earn competitive riba free return by investing and shifting exposure between shariah compliant debt and equity asset classes based on the market outlook.

Investment plans offered from time to time provide the ideal solution for individuals who want equity/stock market returns. However, investing in the stock market has its risks. These Funds aim to earn a potentially high return through active asset allocation – smartly investing and disinvesting between Islamic Equities and Islamic Income/Money Market mutual funds, based on the Fund Manager’s outlook on the asset classes.

These are limited subscription plans offered for a limited period. USSP - IV is a capital protected allocation plan under “UBL Special Saving Fund” with an objective to earn competitive regular return with capital preservation for unit holders that are willing to hold their investment till maturity & beyond with semiannual return. The scheme is actively allocated between authorized investment avenues such as Pakistan Investment Bonds, Treasury Bills, GOP Ijarah Sukuk & Term Deposit Receipts.

Retirement is an opportunity to enter a new phase of your life. With our retirement schemes you can ensure a financial independent and care free life even after you retire. We offer two types of retirement schemes, conventional and Islamic; making it easier for you to start savings towards your retirement with as low as PKR 500.

Disclaimer

All investments in Mutual Funds / Investment products are subject to market risks. In Mutual Funds the price of units may go up or down based on market conditions. Past performance should not be taken as an indication or guarantee of future performance. Please read the Trust Deed and the Offering Document of a Mutual Fund carefully to understand the investment policy of a Mutual Fund and the risks associated. To find out more about investing in Mutual Funds please contact your designated Relationship Manager or visit your nearest UBL branch.