Kifayah Strategy of Stocks
A comprehensive portfolio management solution for Individuals, Companies and Retirement Funds for investments in Shariah Compliant shares. We have worked out appropriate strategies which focus on maximizing returns and managing risks to provide competitive returns to the clients. Therefore if you would like to enhance your returns in stocks and are not sure which portfolio would be best, we can help.
Our team will work with you to make an Investment Policy Statement (IPS) considering your individual needs. From the discussions, we help our clients set up an investment objective and allocate amounts for investments in shares. Make us a partner in your investment journey and we will collectively strive to achieve your investment goals.
Our benchmark is the KMI-30 Index consisting of top thirty companies that have been screened for Islamic Shariah criteria. Our universe largely consists of a refined combination of Shariah compliant scrips from the PSX- KMI All Shares Index.
Our research team is continuously assessing:
- Macro-economic environment and its outlook;
- Geopolitical situation of the country; and
- Attractive investment opportunities.
We help in defining investment objective with individual attention for each of our clients. For that we have two strategies under Separately Managed Accounts (SMAs):
- Dividend Yield Portfolio
- Mixed Portfolio (Growth + Dividend)
Dividend Yield Portfolio
This provides regular monthly cash flows and serves as an alternate to profit earned on Bank deposits for an investors considering to invest over a longer term. Unlike profit on bank deposits, the dividend income continues to increase. This happens because of inflation and growth. The companies, which are a part of portfolio, increase their selling prices along with increase in their cost to maintain profit. Even in an economic downturn, the higher selling prices, causes increase in the total sale in value. While in times of growth the volume increase further increase sales revenue. This drives higher profits and higher dividends, annually.
Mixed Portfolio (Growth + Dividend)
This comprises of a combination of high growth stocks and high dividend yielding stocks from PSX-KMI All Shares Index targeted to earn higher capital gains with above average growth potential, at attractive prices. We invest in stocks that qualify for selection under this portfolio after passing through a set of criterion. This strategy is suitable for investors with a high risk appetite aiming to beat the market with higher capital and dividend gains.
For whom investment advisory is suitable:
- Individuals, Retirement Funds and Companies, managing portfolios of equities, fixed income securities and deposits.
Assets custody:
All assets (including Bank and securities account) remain in customer’s name.
Advisory mandate:
Under this mandate, our role is limited to portfolio advisory. Execution based on those advises is on discretion of the investor.
Upgrade to Separately Managed Account:
Advisory services do not include portfolio management. We also provide comprehensive portfolio management solution under Separately Managed Accounts.
•Finalise Investment Policy Statement
Our deliverables:
- Analysis of your portfolio and rebalancing advise;
- Communicating emerging investment opportunities;
- Monitoring of advise through performance reviews.
Fee Structure:
| Startup package | Rs. 42,000 per annum or 0.2% of portfolio, whichever is higher. |
| Minimum investment required | Rs. 3 million |
