UBL mutual funds are providing an ideal opportunity for its customer base to invest in their proposed mutual funds and gain higher benefits. With a perfect blend of professional fund managers and availability to withdraw their money at any point of time, helps the customers in investing money. Let us take a quick look at the key investment options related to the conventional ubl mutual funds in Pakistan.
Key Features of UBL Mutual Funds
Following are the key features of UBL Mutual funds:
- Low to moderate risk tolerance
- Offers you tax saving benefits
- Less volatility
- No charges on withdrawal of money
Different Types of UBL Mutual Funds
Different types of mutual funds offered by UBL are as follows:
1- UBL Asset Allocation Fund (UAAF)
UBL asset allocation fund gives you an opportunity to earn optimize returns by diversifying your investments. It is an open end fun structure with an ease of exit-entry. It gives you the leverage to play aggressive and defensive with your investments and reap higher dividends.
Benefits
Benefits of the UBL Asset Allocation funds are:
- Provides you an opportunity for hassle-free portfolio diversification
- Easy accessibility towards invested amount
- No requirement of fixed-term holding period
- Portfolio diversification allows you to mitigate potential risks associated with an investment
Suggested Investment Timeframe
The recommended timeframe to reap greater benefits out of UBL asset allocation fund must be 2 to 3 years. However, there is no specified time bound frame, you can invest for weeks or months even depending upon your fund availability and need.
2- UBL Income Opportunity Fund (UIOF)
UBL Income Opportunity fund allows you to invest in a medium to long term saving plan through provisioning of easy access to high end bonds issued in the market. These corporate bonds include Term Finance Certificates (TFC) and sukuk bonds issued by the financial sector institutions. This mutual fund allows one to earn higher benefits as compare to the investment in government securities.
Benefits
Benefits of UBL Income Opportunity funds are as:
- Mitigation of risks through portfolio diversification
- Provides you an opportunity for low cost and convenient mode of investment
Suggested Investment Timeframe
The recommended timeframe for UBL income opportunity fund is 1 to 3 years. However, minimum duration suggested for a stable profit intake is 1 year.
3- UBL Liquidity Plus Fund (ULPF)
UBL Liquidity Plus Fund provides you an idea opportunity to invest your surplus cash for a short-term period and earn profit on it on daily basis. Unlike savings account it is not time bound, you can access your money at any point of time for withdrawal. It provides you stable and higher returns on your investment.
Benefits
The benefits of UBL liquidity plus fund are as follows:
- Same day redemption facility
- No requirement of holding up your money for a specified time period.
- Gives you stable returns over short term period
Suggested Investment Timeframe
There is no suggested invested timeframe for UBL liquidity plus fund. You can place your funds under this head for as much time as you want.
4- UBL Government Securities Fund (UGSF)
UBL Government Securities fund provides you an opportunity to invest for the time period of short to medium term to reap stable returns on your investments. It is safer in a way because you are investing in government securities which are backed by government and give you confirm benefits.
Benefits
The benefits of UBL government securities fund are as follows:
- Availability of stable return
- Convenient access to government securities
Suggested Investment Timeframe
The suggested timeframe for investment is minimum 1 year but subject to the requirement of the investor. There is no specified time bound period for the investment. You can invest it for weeks, months or even for a longer period of time.
5- UBL Money Market Fund (UMMF)
UBL Money Market Fund allows you to invest your money for small to medium term. It also offers the investor to grow his/her saving by investing in this mutual fund. As compared to traditional saving schemes it offers higher ate of return on your investment.
Benefits
Benefits of UBL money market fund are as follows:
- Provides you an opportunity to avail regular income on your investment
- It offers stable return on your investment
Suggested Investment Timeframe
The recommended time period for investment is 1 to 3 years to reap stable returns on your investment.
6- UBL Growth and Income Fund (UGIF)
UBL growth and income fund allows to invest long term in TFC that financial institutions are offering. Compared to stock market base it offers less volatile investment opportunities for its investor for a long-time period to earn higher returns.
Benefits
The benefits of the UBL growth and income fund are as follows:
- Gives you an opportunity to invest your money for a long-term period
- Professional management of your money by the fund managers
Suggested Investment Timeframe
The suggested time period for investment in this fund is at least 5 or more years to earn benefit of considerable amount.
7- UBL Stock Advantage Fund (USAF)
UBL Stock Advantage Fund allows you to invest for a long-term period in the stock market with the help of our professional fund managers. One of the best way to do is to invest in small amounts and continuous investment. It also helps you in diversifying your investment and also helps in playing safe and earn higher returns.
Benefits
The benefits of UBL stock advantage funds are as follows:
- Access to both local markets for investment
- Diversification of portfolio to mitigate risk
Suggested Investment Timeframe
The suggested time period for investment in this mutual fund is minimum 5 years.
Conclusion
In a nutshell, UBL Mutual Funds provides you an ideal opportunity to invest in wide ranging funds, designed specially in considering the customers’ demands. They help you to optimize your investment by investing in varying opportunities available to the customers. For more information about mutual funds and efficient financial management visit Mawazna.com.
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