The document lists the names, symbols, fund types, and investment objectives of numerous funds listed in Pakistan. It includes open-end funds, closed-end funds, and sector funds focused on areas like Islamic investing, government bonds, stocks and more. Over 100 different fund options are outlined for investors in Pakistan.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
This article is all about what AI trends will emerge in the field of creative operations in 2024. All the marketers and brand builders should be aware of these trends for their further use and save themselves some time!
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
This article is all about what AI trends will emerge in the field of creative operations in 2024. All the marketers and brand builders should be aware of these trends for their further use and save themselves some time!
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Beginners Guide to TikTok for Search - Rachel Pearson - We are Tilt __ Bright...
Funds listed in pakistan
1. Funds listed in Pakistan
More browse options »
NAME SYMBOL TYPE OBJECTIVE
ABL AMC Capital Protected Fund Open-End Corporate/Preferred-Inv
ABLACAP:PA
(ABLACAP) Fund Grade
Open-End
ABL Cash Fund (ABLCSHA) ABLCSHA:PA
Fund
ABL Government Securities Fund Open-End
ABLGOSF:PA Govt/Agency-Long Term
(ABLGOSF) Fund
ABL Government Securities Fund Open-End
ABLGOSA:PA Govt/Agency-Long Term
(ABLGOSA) Fund
Open-End Region Fund-Geo
ABL Income Fund (ABLINCM) ABLINCM:PA
Fund Focused-Debt
Open-End Region Fund-Geo
ABL Islamic Income Fund (ABLCASH) ABLCASH:PA
Fund Focused-Debt
Open-End
ABL Stock Fund (ABLSTFD) ABLSTFD:PA Growth
Fund
AKD Aggressive Income Fund Open-End
AKDINCO:PA Government/Corporate
(AKDINCO) Fund
Open-End
AKD Cash Fund (AKDCASH) AKDCASH:PA
Fund
Open-End
AKD Index Tracker Fund (AKDITFA) AKDITFA:PA Index Fund-Large Cap
Fund
Open-End
AKD Opportunity Fund (AKDOPRF) AKDOPRF:PA Growth and Income
Fund
Open-End Sector Fund-
Al-Meezan Mutual Fund Ltd (AMMF) AMMF:PA
Fund Equity/Islamic
Open-End
Alfalah GHP Alpha Fund (ALFGHPA) ALFGHPA:PA Growth
Fund
Open-End
Alfalah GHP Cash Fund (ALFGHPC) ALFGHPC:PA
Fund
Alfalah GHP Income Multiplier Fund Open-End
ALFINMA:PA Government/Corporate
(ALFINMA) Fund
Open-End
Alfalah GHP Islamic Fund (ALFISLM) ALFISLM:PA Balanced
Fund
Open-End
Alfalah GHP Value Fund (ALFVALU) ALFVALU:PA Balanced
Fund
Open-End
AMZ Plus Income Fund (AMZINCO) AMZINCO:PA Government/Corporate
Fund
AMZ Plus Stock Fund (AMZSTOK) AMZSTOK:PA Open-End Growth and Income
2. Fund
Arif Habib Investment Management - Open-End
ARIFPIF:PA Govt/Corp Short Term
Pakistan Income Fund (ARIFPIF) Fund
Arif Habib Investment Management - Open-End
ARIFPSM:PA Growth and Income
Pakistan Stock Market Fund (ARIFPSM) Fund
Arif Habib Investment Management -
Open-End
Pakistan Strategic Allocation Fund PSAF:PA Growth
Fund
(PSAF)
Arif Habib Investment Management -
Open-End
Pakistan Cash Management Fund PKCASHF:PA
Fund
(PKCASHF)
Arif Habib Investment Management - Open-End
PPFL:PA Growth
Pakistan Premier Fund (PPFL) Fund
Arif Habib Investment Management-
Open-End
MetroBank-Pakistan Sovereign Fund- ARIFM12:PA Government/Agency
Fund
December 2012 (ARIFM12)
Arif Habib Investment Management-
Open-End
MetroBank-Pakistan Sovereign Fund- ARIFMSP:PA Government/Agency
Fund
Perpetual (ARIFMSP)
Arif Habib Investment Management -
Open-End
Pakistan Capital Market Fund ARIFPCM:PA Balanced
Fund
(ARIFPCM)
Arif Habib Investment Management -
Closed-
Pakistan Capital Protected Fund 1 PCPF/1:PA Balanced
End Fund
(PCPF/1)
Closed-
Asian Stocks Fund Ltd (ASFL) ASFL:PA Growth and Income
End Fund
Askari Asset Allocation Fund Open-End
ASKAAFB:PA Balanced
(ASKAAFB) Fund
Askari Asset Allocation Fund Open-End
ASKAAFC:PA Balanced
(ASKAAFC) Fund
Open-End
Askari Equity Fund (ASKEQTY) ASKEQTY:PA Blend
Fund
Open-End
Askari High Yield Scheme (ASKINCO) ASKINCO:PA
Fund
Askari Islamic Asset Allocation Fund Open-End Sector Fund-Ast
ASKISAB:PA
(ASKISAB) Fund Alloc/Islamic
Askari Islamic Asset Allocation Fund Open-End Sector Fund-Ast
ASKISAC:PA
(ASKISAC) Fund Alloc/Islamic
Open-End
Askari Islamic Income Fund (ASKISIB) ASKISIB:PA Sector Fund-Debt/Islamic
Fund
Askari Islamic Income Fund (ASKISIC) ASKISIC:PA Open-End Sector Fund-Debt/Islamic
3. Fund
Askari Sovereign Cash Fund Open-End
ASKSOVC:PA Govt/Agency-Short Term
(ASKSOVC) Fund
Askari Sovereign Yield Enhancer Fund Open-End
ASKSOYE:PA Sector Fund-Debt
(ASKSOYE) Fund
Fund of
Atlas Fund of Funds (ATFF) ATFF:PA Growth
Funds
Open-End
Atlas Income Fund (ATLINCF) ATLINCF:PA Government/Corporate
Fund
Open-End
Atlas Islamic Income Fund (ATISINC) ATISINC:PA Sector Fund-Debt/Islamic
Fund
Open-End Sector Fund-
Atlas Islamic Stock Fund (ATLISLM) ATLISLM:PA
Fund Equity/Islamic
Atlas Money Market Fund/Pakistan Open-End
ATLMMKT:PA
(ATLMMKT) Fund
Atlas Pension Islamic Fund - Debt Sub- Open-End
APIFDBT:PA Sector Fund-Debt/Islamic
Fund (APIFDBT) Fund
Atlas Pension Islamic Fund - Equity Open-End Sector Fund-
APIFEQY:PA
Sub-Fund (APIFEQY) Fund Equity/Islamic
Atlas Pension Islamic Fund - Money Open-End
APIFMMK:PA
Market Sub-Fund (APIFMMK) Fund
Open-End
Atlas Stock Market Fund (ATLSTMF) ATLSTMF:PA Growth and Income
Fund
BMA Chundrigar Road Savings Fund Open-End
BMAROAD:PA Govt/Corp Intermediate
(BMAROAD) Fund
Open-End
BMA Empress Cash Fund (BMAEMPC) BMAEMPC:PA
Fund
Open-End
Crosby Dragon Fund (CRODRAG) CRODRAG:PA Growth and Income
Fund
Open-End
Dawood Income Fund (DAMONEY) DAMONEY:PA Govt/Corp Long Term
Fund
Open-End
Dawood Islamic Fund (DAISLAM) DAISLAM:PA Balanced
Fund
Closed-
Dominion Stock Fund Ltd (DOMF) DOMF:PA Growth
End Fund
Faysal Asset Allocation Fund Open-End
FAYSALA:PA Global Asset Allocation
(FAYSALA) Fund
Faysal Balanced Growth Fund Open-End
FAYBALG:PA Balanced
(FAYBALG) Fund
Faysal Income & Growth Fund Open-End
FAYINGR:PA Government/Corporate
(FAYINGR) Fund
Faysal Islamic Savings Growth Fund FAYISSG:PA Open-End Sector Fund-Debt/Islamic
4. (FAYISSG) Fund
Faysal Money Market Fund Open-End
FAYMMKT:PA
(FAYMMKT) Fund
Faysal Savings Growth Fund - A Open-End
FAYSAVA:PA Government/Agency
(FAYSAVA) Fund
First Capital Mutual Fund Ltd/FUND Closed-
CPMFI:PA Growth and Income
(CPMFI) End Fund
Closed-
First Dawood Mutual Fund (FDMF) FDMF:PA Balanced
End Fund
Open-End
First Habib Cash Fund (FIRHABC) FIRHABC:PA
Fund
First Habib Islamic Balanced Fund Open-End Sector Fund-Ast
FHISBAL:PA
(FHISBAL) Fund Alloc/Islamic
Golden Arrow Selected Stock Fund Closed-
GASF:PA Growth and Income
(GASF) End Fund
Habib Asset Management - First Habib Open-End
HABFINC:PA Government/Corporate
Income Fund (HABFINC) Fund
Habib Asset Management - First Habib Open-End
HABFSTK:PA Value
Stock Fund (HABFSTK) Fund
Open-End
HBL Income Fund (HBLINCM) HBLINCM:PA Government/Corporate
Fund
HBL Islamic Money Market Fund Open-End
HBLIMMK:PA
(HBLIMMK) Fund
Open-End Sector Fund-
HBL Islamic Stock Fund (HBLISST) HBLISST:PA
Fund Equity/Islamic
HBL Money Market Fund Open-End
HBMMMKT:PA
(HBMMMKT) Fund
Open-End
HBL Multi-Asset Fund (HBLMTIA) HBLMTIA:PA Balanced
Fund
Open-End
HBL Stock Fund - B (HBLSTOK) HBLSTOK:PA Growth and Income
Fund
IGI Aggressive Income Fund Open-End
POBOPAP:PA Government/Corporate
(POBOPAP) Fund
Open-End
IGI Capital Protected Fund (IGICPRO) IGICPRO:PA Government/Corporate
Fund
Open-End
IGI Income Fund - A (IGINCMA) IGINCMA:PA Government/Corporate
Fund
Open-End
IGI Islamic Income Fund (IGISLIN) IGISLIN:PA Sector Fund-Debt/Islamic
Fund
Open-End
IGI Money Market Fund (IGIMMKT) IGIMMKT:PA
Fund
IGI Stock Fund - B (IGISTKB) IGISTKB:PA Open-End Growth
5. Fund
Closed-
Investec Mutual Fund (INMF) INMF:PA Flexible Portfolio
End Fund
JS Aggressive Asset Allocation Fund Open-End
ABAAGRE:PA Flexible Portfolio
(ABAAGRE) Fund
Open-End
JS Aggressive Income Fund (JSAGRIC) JSAGRIC:PA Government/Corporate
Fund
Open-End
JS Cash Fund (JSCASHF) JSCASHF:PA
Fund
Fund of
JS Fund of Funds (ABAMFOF) ABAMFOF:PA Balanced
Funds
Closed-
JS Growth Fund (JSGF) JSGF:PA Growth and Income
End Fund
Open-End
JS Income Fund (ABAUTIF) ABAUTIF:PA Government/Corporate
Fund
Open-End
JS Islamic Fund (ABAISLM) ABAISLM:PA Balanced
Fund
JS Islamic Pension Savings Fund - Open-End
JSIMMKT:PA
Money Market (JSIMMKT) Fund
JS Islamic Pension Savings Fund - Debt Open-End
JSIPDBT:PA Sector Fund-Debt/Islamic
(JSIPDBT) Fund
JS Islamic Pension Savings Fund - Open-End Sector Fund-
JSIPEQY:PA
Equity (JSIPEQY) Fund Equity/Islamic
Open-End
JS KSE 30 Index Fund (ABAUA30) ABAUA30:PA Index Fund
Fund
Closed-
JS Value Fund Ltd (JSVFL) JSVFL:PA Balanced
End Fund
KASB Asset Allocation Fund Open-End
KASBBAL:PA Balanced
(KASBBAL) Fund
Open-End
KASB Cash Fund (KASCASH) KASCASH:PA
Fund
KASB Income Opportunity Fund Open-End
KASLIQL:PA
(KASLIQL) Fund
KASB Income Opportunity Fund Open-End
KASLIQU:PA
(KASLIQU) Fund
KASB Islamic Income Opportunity Fund Open-End
KASISIN:PA Government/Corporate
(KASISIN) Fund
Open-End
KASB Stock Market Fund (KASSTOK) KASSTOK:PA Growth and Income
Fund
Open-End
KSE Meezan Index Fund (KSEMIND) KSEMIND:PA Index Fund
Fund
Lakson Asset Allocation Developed LKAADMF:PA Open-End Flexible Portfolio
6. Markets Fund (LKAADMF) Fund
Lakson Asset Allocation Emerging Open-End
LKAAEMF:PA Global Asset Allocation
Markets Fund (LKAAEMF) Fund
Lakson Asset Allocation Global Open-End
LKAAGCF:PA Commodity
Commodities Fund (LKAAGCF) Fund
Open-End
Lakson Equity Fund (LAKSEQT) LAKSEQT:PA Growth
Fund
Open-End
Lakson Income Fund (LAKSINC) LAKSINC:PA Government/Agency
Fund
Lakson Money Market Fund Open-End
LAKSMMF:PA
(LAKSMMF) Fund
MCB Cash Management Optimizer Fund Open-End
MCBCSMO:PA
(MCBCSMO) Fund
MCB Dynamic Allocation Fund Open-End
MCBDALL:PA Balanced
(MCBDALL) Fund
Open-End
MCB Dynamic Cash Fund (MCBCASH) MCBCASH:PA
Fund
MCB Dynamic Stock Fund Open-End
MCBSTOK:PA Growth and Income
(MCBSTOK) Fund
MCB Islamic Income Fund - A Open-End
MCBISIA:PA Sector Fund-Debt/Islamic
(MCBISIA) Fund
MCB Islamic Income Fund - B Open-End
MCBISIB:PA Sector Fund-Debt/Islamic
(MCBISIB) Fund
Closed- Sector Fund-Ast
Meezan Balanced Fund (MBF) MBF:PA
End Fund Alloc/Islamic
Meezan Capital Protected Fund II Open-End Sector Fund-Ast
MEEZCAP:PA
(MEEZCAP) Fund Alloc/Islamic
Open-End
Meezan Cash Fund (MEEZCSH) MEEZCSH:PA Sector Fund-Debt/Islamic
Fund
Open-End
Meezan Islamic Fund (MEZISLM) MEZISLM:PA Growth and Income
Fund
Meezan Islamic Income Fund - B Open-End
MZMIIFB:PA Sector Fund-Debt/Islamic
(MZMIIFB) Fund
Meezan Islamic Income Fund - C Open-End
MZMIIFC:PA Sector Fund-Debt/Islamic
(MZMIIFC) Fund
Open-End
Meezan Sovereign Fund (MEEZSOV) MEEZSOV:PA Government/Corporate
Fund
Meezan Tahaffuz Pension Fund - Debt Open-End
MEETPDT:PA Sector Fund-Debt/Islamic
(MEETPDT) Fund
Meezan Tahaffuz Pension Fund - Equity Open-End Sector Fund-
MEETPEQ:PA
(MEETPEQ) Fund Equity/Islamic
Meezan Tahaffuz Pension Fund - Money MEETPMM:PA Open-End
7. Market (MEETPMM) Fund
NAFA Asset Allocation Fund Open-End
NAFAASA:PA Flexible Portfolio
(NAFAASA) Fund
NAFA Financial Sector Income Fund Open-End
NAFAFSI:PA Sector Fund-Debt
(NAFAFSI) Fund
NAFA Government Securities Liquid Open-End
NAFAGSL:PA Govt/Agency-Short Term
Fund (NAFAGSL) Fund
Open-End
NAFA Income Fund (NAFANIF) NAFANIF:PA Government/Corporate
Fund
NAFA Income Opportunity Open-End
NAFCASH:PA
(NAFCASH) Fund
NAFA Islamic Aggressive Income Fund Open-End
NAFISLI:PA Sector Fund-Debt/Islamic
(NAFISLI) Fund
NAFA Islamic Multi Asset Fund Open-End Sector Fund-Ast
NAFISMA:PA
(NAFISMA) Fund Alloc/Islamic
NAFA Money Market Fund Open-End
NAFAMMF:PA
(NAFAMMF) Fund
Open-End
NAFA Multi Asset Fund (NAFMULT) NAFMULT:PA Balanced
Fund
NAFA Riba Free Savings Fund Open-End
NAFARFS:PA Sector Fund-Debt/Islamic
(NAFARFS) Fund
Open-End
NAFA Savings Plus Fund (NAFASAV) NAFASAV:PA
Fund
Open-End
NAFA Stock Fund (NAFSTOK) NAFSTOK:PA Growth and Income
Fund
Closed-
Namco Balanced Fund (NBF) NBF:PA Balanced
End Fund
Open-End
NAMCO Income Fund (NAMCOIB) NAMCOIB:PA Government/Corporate
Fund
National Investment Trust-UNIT Fund Open-End
NITRUST:PA Growth and Income
(NITRUST) Fund
National Investment Trust - Income Open-End
NITIFRS:PA Global Debt
Fund - RS (NITIFRS) Fund
NIT Government Bond Fund Open-End
NITGLOB:PA Government/Agency
(NITGLOB) Fund
Pak Oman Advantage Asset Allocation Open-End Region Fund-Geo
PAKOAAA:PA
Fund (PAKOAAA) Fund Focused-Asset
Closed-
Pak Oman Advantage Fund (POAF) POAF:PA Govt/Corp Long Term
End Fund
Pak Oman Advantage Islamic Income Open-End Sector Fund-
PAKOAII:PA
Fund (PAKOAII) Fund Equity/Islamic
Pak Oman Government Securities Fund POGOVMS:PA Open-End Government/Agency
8. (POGOVMS) Fund
Pak Oman Islamic Asset Allocation Open-End Sector Fund-
PAKOAIS:PA
Fund (PAKOAIS) Fund Equity/Islamic
Pakistan Income Enhancement Fund Open-End
PAKIENH:PA Index Fund-Debt
(PAKIENH) Fund
Pakistan International Element Islamic Open-End
ARIFISL:PA Balanced
Asset Allocation Fund (ARIFISL) Fund
Pakistan Islamic Pension Fund - Debt Open-End
PAKIPDB:PA Government/Corporate
(PAKIPDB) Fund
Pakistan Islamic Pension Fund - Equity Open-End
PAKIPEQ:PA Growth
(PAKIPEQ) Fund
Pakistan Islamic Pension Fund - Money Open-End
PAKIPMM:PA
Market (PAKIPMM) Fund
Open-End
PICIC Cash Fund - C (PICCSFC) PICCSFC:PA
Fund
Open-End
PICIC Cash Fund - D (PICCSFD) PICCSFD:PA
Fund
Closed-
PICIC Energy Fund (PEF) PEF:PA Sector Fund-Energy
End Fund
Closed-
PICIC Growth Fund (PGF) PGF:PA Growth
End Fund
Open-End
PICIC Income Fund (PICIINC) PICIINC:PA Global Debt
Fund
Closed-
PICIC Investment Fund (PIF) PIF:PA Growth
End Fund
Open-End
PICIC Stock Fund (PICICST) PICICST:PA Global Equity
Fund
Closed-
Prudential Stock Fund (PUDF) PUDF:PA Growth and Income
End Fund
Closed-
Safeway Mutual Fund Ltd (SFWF) SFWF:PA Balanced
End Fund
Closed-
Tri-Star Mutiual Fund Ltd (TSMF) TSMF:PA Growth and Income
End Fund
UBL Government Securities Fund Open-End
UBLGVTS:PA Global Debt
(UBLGVTS) Fund
Open-End
UBL Islamic Cash Fund (UBLISCS) UBLISCS:PA
Fund
UBL Islamic Retirement Savings Fund - Open-End
UBLRMMK:PA
Money Market (UBLRMMK) Fund
UBL Islamic Retirement Savings Fund - Open-End
UBLRDBT:PA Government/Corporate
Debt (UBLRDBT) Fund
UBL Islamic Retirement Savings Fund - UBLREQY:PA Open-End Growth
9. Equity (UBLREQY) Fund
UBL Islamic Sovereign Fund Open-End
UBLISSF:PA
(UBLISSF) Fund
UBL Liquidity Plus Fund - C RETAIL Open-End
UBLLIQC:PA Government/Corporate
(UBLLIQC) Fund
Open-End
UBL Savings Income Fund (UBLSAIN) UBLSAIN:PA Government/Corporate
Fund
Open-End Sector Fund-Ast
UBL Shariah Stock Fund (UBLISLM) UBLISLM:PA
Fund Alloc/Islamic
Open-End
Unit Trust of Pakistan (ABAUTPA) ABAUTPA:PA Balanced
Fund
United Growth and Income Fund - Open-End
UBLGROW:PA Government/Corporate
GROWTH (UBLGROW) Fund
United Growth and Income Fund - Open-End
UBLINCO:PA Government/Corporate
INCOME (UBLINCO) Fund
United Islamic Income Fund - Open-End
UBLISIG:PA Government/Corporate
GROWTH UNITS (UBLISIG) Fund
United Islamic Income Fund - INCOME Open-End
UBLISII:PA Government/Corporate
UNITS (UBLISII) Fund
United Stock Advantage Fund Open-End
UBLADVN:PA Growth and Income
(UBLADVN) Fund
Closed-
WE Balanced Fund (WEBF) WEBF:PA Balanced
End Fund
Mutual funds in Pakistan are registered and legally established in the form of a Trust, under the
Trust Act of 1882. The mutual fund industry is regulated by, the Securities and Exchange
Commission of Pakistan (SECP) which licenses each Asset Management Company in strict
compliance with the NBFC Rules, 2003 and requires all AMC’s to obtain an independent rating.
The AMC appoints a team of investment professionals, supported by a team of research analysts
to manage the portfolio of the fund in conformity with the stated Investment objective.
How do Pakistan’s Asset Management Companies Work (AMC)?
10. In Pakistan, asset management companies (AMCs) are licensed and regulated by the Securities
and Exchange Commission of Pakistan (SECP)
What categories of funds are available in Pakistan?
Types of Mutual Funds (By Objective)
Open-ended or closed-end funds can be of several types; however the most basic classifications
are stock funds, income funds, hybrid funds or specialty funds. Further classifications evolve as
each fund pursues diverse investment strategies for instance: Islamic Equity Funds, Sector
Funds, Global Equity Funds, High Yield Debt Funds, Aggressive Equity Funds, Income Funds
and so on.
Stock Funds
Income and Money Market Funds
Hybrid Funds
Pension Funds
Islamic Funds
Specialty Funds
Who Regulates Mutual funds in Pakistan?
11. All fund companies operating in Pakistan are subject to strict regulation and oversight by the
Securities and Exchange Commission Pakistan (SECP). As part of this regulation, all funds must
provide investors with full and complete disclosure about the fund in a written prospectus
describing the fund’s investment objective, its investment methods, information on how to
purchase and redeem shares, information about the investment adviser, risks of investments and
fund fees and expenses.
Unit holders are also to be provided with annual and semiannual reports that contain recent
information on the fund’s portfolio, performance, and investment goals and policies.
Taxes on Mutual funds:
The income of mutual funds is exempt from Income Tax, if not less than 90% of the income of
the year, as reduced by capital gains is distributed amongst the unit holders as dividend or bonus
units.
Taxes on Shareholders in funds:
Holders of mutual funds are subject to Income Tax on dividend income received from a mutual
fund (excluding the amount of dividend paid out of capital gains on listed securities) as under:
Public Company and Insurance Company 5%
If received by any other person, including a non-resident 10%
Capital gain on disposition of units in a mutual fund is exempted from tax till such time that
capital gain on sale of securities listed on the stock exchanges is exempt from such tax.
Tax Credit
As funds are listed at the stock exchanges, unit holders of the mutual funds, other than a
company, are entitled to a tax credit under section 62 of the Income Tax Ordinance, 2001 on
purchase of new units. The amount on which tax credit is allowed is the lower of (a) amount
invested in purchase of new units, (b) ten percent of the taxable income of the unit holder, or (c )
Rupees Three Hundred Thousand (PKR. 300,000), and is calculated by applying the average rate
of tax of the unit holder for the tax year. If the units are disposed within twelve months, the
amount of tax payable for the tax year in which the units are disposed is increased by the amount
of credit allowed.
Links for further information:
Karachi Stock Exchange
Lahore Stock Exchange
12. Securities and Exchange Commission of Pakistan
Central Depository Company Pakistan
Mutual Funds Association of Pakistan
Mutual Fund Basics
A Mutual Fund is a pool of money that gives investors access to a well-diversified portfolio of
stocks, bonds, and other securities. Each shareholder participates in the gain or loss of the fund.
Shares are issued and can be redeemed as needed (in the case of an open-ended fund). The fund's
net asset value (NAV) is determined each day and is posted on the respective Asset Management
Company’s website on a daily basis.
Equity Funds
An equity fund is one that is invested mainly in a company’s equity through the stock exchange and is
exposed to the risk of volatility associated with the equity market. Although this fund is the riskiest
within the genre of mutual funds, it is also known to provide the maximum yields and dividends.
Fixed Income Funds
A Fixed Income Fund is one that offers fixed returns over a set tenor. These funds are inherently linked
to the general interest rate and are, unlike the stock market, safe from drastic fluctuation. The capital
value is more easily sustainable while the returns are generally modest. However, active fund
management can yield returns which are higher than most fixed income avenues in the market and
therefore, it is an attractive investment avenue for investors with moderate risk appetites.
Money Market Funds
A Money Market Fund is one that invests in liquid, short-term securities which offer fixed returns over
short periods. These funds are inherently linked to the general interest rate and are, therefore, unlike
the stock market, safe from drastic fluctuation. Underlying investment may include securities issued by
corporate bodies, spread transactions, reverse-repo transactions, selective exposure in the CFS market,
Term Finance Certificates (TFCs) and commercial paper.
Balanced Funds
These funds maintain a mix within equity and fixed income markets. This fund offers room to its fund
managers to switch between different investment types i.e. fixed income and capital markets.
Effectively, the risk associated to this category lies between equity funds and fixed income funds and the
returns also vary correspondingly between the ranges of the two.
13. Why Invest in Mutual Funds
Mutual funds make investing simple, accessible and affordable for everyone, regardless of how
much you have to invest or what your investment goals are. The advantages of mutual funds
include liquidity, tax benefits, professional management, diversification, accessibility, security,
as well as strict government regulation and full disclosure.
Mutual Funds provide the opportunity for long term growth without
Liquidity the requirement of any long term commitment, as mutual funds
provide the option to redeem your investment on a daily basis.
Mutual funds in Pakistan are exempted from tax as Mutual Funds
have to distribute 90% of their income to Unit Holders.
Tax Benefits
Additionally, bonus units may be redeemed without any tax
liability.
Dedicated research team, specialized portfolio management, and
Professional Management
risk management oversight and controls.
Diversification regardless Mutual Funds provide the opportunity to establish a well diversified
of small Investment portfolio without the large investment typically required to achieve
Amount this diversification.
Investments with mutual funds attempt to weather all storms as
Active Management AMC's, who specialize in managing your investments, take
advantage of ups & downs in the market.
A Mutual Fund allows you to invest without requiring a large
investment - in fact at JSIL you can invest for as little as PKR 100.
Accessibility
This means that small amounts may be invested over a period of
time.
Net Assets of a Mutual Fund are completely under the custody the
Security Trustee which ensures that the fund is operating within the
investment policy as detailed in the Trust Deed.
Mutual Funds are fully regulated by the Securities and Exchange
Regulated by SECP Commission of Pakistan, ensuring investor's rights to be afforded
protection.
Mutual Fund Structures
There are two generic types of funds available in the market (1) Closed end & (2) Open end
Close end Funds
Closed-end mutual funds are more like the stock of a listed company, a fixed number of whose
shares are traded on an exchange. The shares of closed-end mutual funds are priced at market
value determined by supply and demand and are not priced at the fund’s net assets per share
14. value and thus may trade below or above the net asset value; if the shares of a closed-end fund
trade above the net asset value the fund is said to be trading at a "premium" and if it is trading
below the fund is said to be trading at a "discount". A feature of closed-end funds is that they can
be converted into open-end funds.
Units trade on a stock exchange which is the only exit route
Trade at last price determined by the market which may be greater than, equal to or less
than the NAV
Do not continually offer units for sale
No sales load (front end or back end), only management fee
Some funds follow the practice of sharing excess profits above benchmark to align fund
manager goals with that of the investor
Open end Funds
Open-end mutual fund are also called unit trusts, because they are registered as trusts. An open-
end fund unit holder can redeem or purchase units at any time. Units are priced at their Net Asset
Value (NAV) on per unit basis and its unit price is determined by the net increase and/or
decrease in the share prices of the stocks that the fund owns along with any dividends and capital
gains received. The units of an open-end mutual fund can be bought directly or through the
AMC.
Registered as trusts
Bought through the Management Company at offer price, which is NAV plus front end
load, if any
Redeemed through the Management Company at redemption price which is NAV less the
back end load, if any
In addition to sales load, if any, flat management fee is charged
Some funds follow the practice of sharing excess profits above benchmark to align fund
manager goals with that of the investor
Mutual Fund Category JSIL Product Suite Offering (Open-End and Closed-End)
JS Income Fund
Fixed Income Fund JS Aggressive Income Fund
Unit Trust of Pakistan
Balanced Fund
JS Large Cap. Fund
JS Growth Fund
Equity Fund
JS Value Fund Limited
JS Aggressive Asset Allocation Fund
Asset Allocation Fund
JS KSE 30 Index Fund
Index Fund
15. JS Islamic Fund
Islamic Fund
JS Fund of Funds
Fund of Funds
JS Pension Savings Fund
Pension Funds JS Islamic Pension Savings Fund
National Investment Trust Limited Gujranwala Contact Number & Address
Branch Name ::Gujranwala
Branch Code :: -
Address ::42-A/B, Trust Plaza, Ground Floor, G.T Road, Gujranwala.
Telephone No. ::055-9200220
Fax No. :: 055-9200421
Branch Office
Address: G.T Road, Gujranwala
Landmarks: GT Road
City: Gujranwala
PABX +92-55-9200805, 9200856, 9200861, 9200862