UBL Fund Managers Limited

Established in 2001 and regulated by the Securities and Exchange Commission of Pakistan. UBL Funds has been offering its products and services to investors in Pakistan for over a decade and a half and since 2011 has presence in the Middle East as well.
With AUMs of PKR 73.9 billion as of May 31st 2017, UBL Funds is one of the leading Asset Management Companies in Pakistan.
It has also been given the High Management Quality Rating of AM2++ by JCR-VIS Credit Rating Company which connotes a high management quality rating assigned to an AMC in Pakistan.
All investments in mutual funds & pension funds are subject to market risks. Past performance is not necessarily indicative of future results.
Withdrawal from pension funds before retirement shall have tax implications.
Al-Sadiq (the truthful) and Al-Amin (the trustworthy)
From the moment humanity started to worship idols, or started worshipping with Allah Almighty other false gods. Allah Almighty had sent many prophets and messengers to guide them to the righteous path of worshipping him alone, for he is the one and only true God.
All previous messengers and prophets (peace and blessings be upon them) were sent to a particular group of people, in a particular point of time, with a particular set of rules and commands.
On the other hand, Prophet Muhammad (peace and blessings be upon him) was the last messenger from Allah Almighty.
Therefore, he was sent to the entire humanity, and his message is valid to all nations of the world, in all times, till the judgment day.
Being the last prophet and messenger, and the bearer of the last revelation from Allah Almighty to all of humanity is neither a simple nor an easy task.
In fact, it is a very difficult assigning, and such a heavy burden on any human being.
Therefore, the last messenger must have the qualities of honesty and integrity, patience and endurance, leadership and bravery, mercy and compassion, as well as many other qualities in order to succeed in his quest of delivering the revelation of Allah Almighty to humanity.
Prophet Muhammad (peace and blessings be upon him) worked as a shepherd in his early life, and later he worked as a merchant.
Due to his honesty and fair dealings with all people, he became known as Al-Sadiq (the truthful) and Al-Amin (the trustworthy).
Even the Quraish tribe of Mekkah, his worst enemies, called him by these nicknames, and they used to entrust him with their money and deposits before and after he declared his prophet hood.
Prophet Muhammad (peace and blessings be upon him) never told a lie in his entire life.
Even his enemies testify on his honesty and integrity. When Prophet Muhammad (peace and blessings be upon him) gathered together all the Qurashees near the Mount of Safa and asked them, “O Quraish! If I say that an army is advancing on you from behind the mountains, will you believe me?”
All said in one voice, “Yes; because we have never heard you telling a lie”.
Sahih Al-Bukhari: 4971. All the people of Makkah, without any exception swore to his truthfulness and honesty, for he had lived an unblemished and extremely pious life among them for forty years.
Prophet Muhammad (peace and blessings by upon him) lived his whole life in purity and virtue among the Quraish tribe of Mekkah and this was acknowledged even by his most staunch enemies.
They knew that he was the most honest and truthful person among them. The Holy Quran therefore appealed to them to look at his life and try to understand.
How could he tell lies against God (Allah Almighty), when he did not tell lies against human beings! When the Roman emperor received a letter from the Prophet inviting him and his followers to Islam, he called the Arab traders who were then in Sham for trade.
He asked Abu Sufyan, their leader, “Did you ever find Muhammad telling a lie before his claim to Prophet Hood?” He replied that he had not, and then the emperor said, “I asked you if he had ever told a lie and you replied that he had not. I am sure, if he had spoken unjustly against God, he would not have abstained from speaking falsely against human-beings.”
The emperor then questioned him about the Prophet’s general behavior and conduct with people.
Abu Sufyan replied “Muhammad is nobly born; is honest and truthful, and has never broken a pledge. He enjoins his followers to worship none but One God and to pray to Him alone. He preaches kindness, piety and tolerance towards all and his followers are on the increase”.
Sahih Al-Bukhari: 2941. These words came from Abu Sufyan who was one of Prophet Muhammad’s (peace and blessings be upon him) fiercest enemies at the time.
Not only prophet Muhammad (peace and blessings be upon him) never told a single lie in his entire life, but he also warned humanity against the consequences of lying “A true action leads to the path of virtue, and virtue paves the way of a person to paradise, and this person continues to speak the truth until, in the sight of Allah, he is named as-S’iddiq (the Truthful).
Lying, on the other hand, leads to vice, and vice leads to indecent acts and a person goes on lying until, in the sight of Allah, he is called a liar”. Sahih Al-Bukhari: 6094.
These two qualities helped Prophet Muhammad (peace and blessings be upon him) to prove the sincerity of his message, for everyone around him knew that he was trustworthy, and he never ever told a lie.
However, many people chose to follow their own lusts, and due to their arrogance they refuse to believe in Prophet Muhammad (peace and blessings upon him) as a prophet and a messenger of Allah Almighty, and they insist on worshipping with God (Allah Almighty) other idols, or they even deny the existence of Allah Almighty altogether.
UBL Funds: Achieves the biggest Public Offering of any Active Allocation Plan
UBL Fund Managers Limited (UBL Funds), pioneer for unique Fund-of-Funds products, celebrates the successful closing of its latest Islamic Active Allocation Plan – the Al-Ameen Islamic Active Allocation Plan-VIII (AIActAP-VIII), a Plan under Al-Ameen Islamic Financial Planning Fund – II (A Shariah Compliant Fund of Funds Scheme)
With a total initial investment of over Pkr.5.3 Billion, AIActAP-VIII is now the biggest Active Allocation Plan in the industry in Pakistan.
The investment policy of Al-Ameen Islamic Active Allocation Plan Series is approved by Shariah Advisors Mufti Muhammad Hassaan Kaleem and Mufti Muhammad Najeeb Khan.
The first offering of the series, AIActAP-, which has yielded an absolute return since inception of more than 43 percent as of 31st May 2017, is nearing maturity.
Chief Executive Officer, UBL Funds, said the Al-Ameen Islamic Active Allocation Plan series has been well received by investors.
The series has offered lucrative returns to our customers, while understanding their risk portfolios.
He further added that the launch of these Public Offerings is the illustration of the outstanding performance of our previous Al-Ameen Islamic Active Allocation Plans.
UBL Fund Managers is offering a wide array of investment opportunities for its customers comprising of short term and long term plans.
Also, being the first of its kind, we are proud that this initiative will reflect positively on the investors and the financial market in general.
The Active Allocation Plan series invests in Al-Ameen Islamic Dedicated Equity Fund to take exposure to Equities, while investing in Al-Ameen Islamic Sovereign Fund (AISF) and/or Al-Ameen Islamic Cash Fund (AICF) to take exposure in the Income/Money Markets.

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