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Bank AL Habib Roshan Mutual Funds

When you open a Roshan Digital Account with Bank AL Habib, you get access to many investment opportunities, including Roshan Mutual Funds. With so many fund categories, it may be difficult to understand each fund's composition and function. This article serves as a guide to understanding each fund format so you can make an informed decision about where to invest.

Equity Funds

Equity funds, as their name suggests, invest in the stock market. This fund grows faster than other funds but carries more inherent risk due to the nature of the stock market. Depending on your risk appetite, this fund can be a good option if you don’t want to invest yourself in equities through the Roshan Equity Investment service or other means.

Money Market Funds

Money market funds are safer options due to the nature of their investments. They invest in short-term fixed-income securities, such as government bonds and certificates of deposit. The goal is to have a high degree of stability and liquidity. Unlike other funds, such as equity funds, money market funds are far less volatile; however, the returns will also reflect the level of stability.

Income Funds

Income funds invest in money market securities. Unlike the other funds mentioned above, income funds are designed to generate a monthly income. The securities these funds invest in are term finance certificates, Sukuks, and Commercial Papers, among other tools. Income Funds are good options in volatile markets since they are less likely to be affected by shifts in equity markets. However, this also means they are limited in capital growth.

Shariah Compliant

Roshan Mutual Funds also offer a Shariah-compliant version of all fund types mentioned above. This allows you, as an investor, to invest your money where you feel more comfortable.

Sign up for a Roshan Digital Account to start investing today.