Islamic brochure(3)

Note: The calculation of performance does not include cost of front end load. Taxes apply as per current income tax law.Disclaimer: All investments in mutual funds and pension funds are subject to market risks. Past Performance is not necessarily indicative of future results. Please read the Offering Document to understand investment policies and the risks involved. Taxes apply.

9995

Rated by PACRA

Investment Guide

the

KEY ADVANTAGES OF INVESTING IN A MUTUAL FUND

WHY INVEST WITH NAFALiquidity and Ease of Withdrawal

Rated ‘AM1’ (Very High Quality) by PACRA. Highest rating offered to Asset Management Companies in Pakistan.

Units can be used as a collateral to avail bank nancing.

Free of cost Accidental Death and permanent disability Insurance of upto Rs. 3,000,000. (Terms & conditions apply)

Investment can be encashed at any ATM all over Pakistan through NAFA VISA DEBIT Card.

Transfer of redemption proceeds into your bank account upto Rs. 15 Lacs* within 45 minuteswith SWIFTPAY Facility. (Terms & conditions apply)(*Maximum limit is Rs.15 Lacs or 80% of investment balance in a fund whichever is lower. Time may vary in case of unforeseen events or due to any other technicalreason. This facility will be available from 9:30 a.m. to 4 p.m. from Monday to Friday.)

A Subsidiary of National Bank of Pakistan.

Other Joint Venture Partner is Fullerton Fund Management Company, Singapore.

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.

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at

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(1-3 months only accidental death andpermanent disability coverage)

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Rs. 3 Million

1 Lac

Investors earned a monthly prot

of Rs. 4,194 on investmentof Rs. 10 Lacs in November 2017

NAFA Islamic Income Fund

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You can invest with PKR 10,000 only

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Investment of Rs. 10 lacsgrew to Rs. 24.7 lacs in only 5 Years*

NAFA Islamic Asset Allocation Fund


Disclaimer: All investments in mutual funds are subject to market risk. Past performance is not necessarily indicave of future results. Please read the offering documents to understand the investment policies andthe risk involved. The scheme holds certain non-compliant investments. Before making any investment decision investors should review the latest monthly Fund Manager Report and financial statements. Thereported returns may include provision and reversal of provisions against some debt securies.

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* Ending November 30, 2017.**Benchmark is daily weighted return of KMI-30 index and 6 months average deposit rate of three A rated Islamic banks/Islamic windows of convenonal banks as selected by MUFAP, based on Fund’s actualallocaon (effecve from September 1, 2016). Previously average of (i) average 3-month Islamic banks deposit rate (ii) 6-month KIBOR or its Shariah Compliant equivalent (iii) KMI 30 Index.Annualized return since incepon of Fund on October 26, 2007 is 14.7% p.a. vs Benchmark return of 10.1% p.a. Last one year return (December 2016 to November 2017) is -2.2% vs benchmark return of -0.8%.Note:Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of frontend load. Taxes apply as per current income tax law.

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Investment of Rs. 10 lacsgrew to Rs. 13.2 lacs in only 2 years*

NAFA Islamic Stock Fund

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* Since incepon on April 21,2016 ll November 30, 2017. Since incepon annualised return was 21.2% vs benchmark return of 9.4%.** Benchmark: KMI-30 Index. Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of frontend load. Taxes apply as per current income tax law.

NAFA Islamic Energy Fund

Disclaimer: All investments in mutual funds are subject to market risks. Past performance is not necessarily indicave of future results. Please read the Offering Document to understand the investment policies and the risks involved.

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Give your investment the energy

to grow in an Islamic way

Return upto November 30, 2017.

* Tax Credit available as per secon 63 of the Income Tax Ordinance 2001.

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Notes: The calculaon of performance does not include cost of front-end load. Taxes apply as per current Income Tax Law.Disclaimer: All investments in pension funds are subject to market risk. Past performance is not necessarily indicave of future results. Please read the offering documents to understand the investment policies and the risk involved andtax implicaons. Withdrawals before the rerement age are subject to tax under provisions of the Income Tax Ordinance 2001.

ENJOY LIFE AFTER RETIREMENTBY INVESTING IN

NAFA ISLAMIC PENSION FUND

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Ination is the rate at which the prices of goods and services increases in a country. Ination eats away the purchasing power of money, and reduces the value of their savings and investment.

One cannot ignore the biting impact of ination on savings if they are not invested at a rate above ination.

* Assuming 50% investment in Stock Market and 50% investment in Saving Accounts.** Assuming equity capital growth of 15.0% p.a and dividend/profit rate p.a of 5% (versus historical equity capital growth of 20.0% p.a in last 16 years and 6.0%average return of bank deposits).*** Assuming inflaon of 7.0% p.a.Annual dividend/profit divided in equal monthly installments.

Benets of investing early and at a higher return

How to safeguard savings from ination?

How Ination Can Affect Your Savings?

What is Ination?

Disclaimer: All investments in Mutual Funds and Pension Funds are subject to market risks. Past performance is not necessarily indicative of future results. Please read the Offering Documents of theFund to understand the investment policies and risk involved.

Enjoy Tax bene�ts by Investingin NAFA Mutual Funds &Pension Schemes.

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Reduce your tax liability & earn competitive returns all together by following these steps:-

Step#1. Invest in NAFA Funds up to your tax ceiling before June 30, 2018.

Step#2. Claim Tax Credit on your tax liability of 2017 - 2018 from your investment.

Following table shows tax ceiling for various taxable income brackets for salaried and non-salaried individuals.

Amount in PKR

Monthly Taxable Income

Annual Taxable Income

Tax Amount

(as per Tax Law)

Required Investment in NAFA Mutual

Funds 1

Tax (savings)

in Mutual Funds3

Required Investment

inVPS2

Tax (savings)VPS -

up to 30%3

Total Investment in Mutual

Funds + VPS Rupees %

AB =

A X 12 CD =

C x Tax rate

E =B X 30%

F = E X Tax

rate

G = C + E

H = D + F

I = H / G

50,000 600,000 17,000 120,000 3,400 180,000 5,100 300,000 8,500 2.8%100,000 1,200,000 99,500 240,000 19,900 360,000 29,850 600,000 49,750 8.3%200,000 2,400,000 324,500 480,000 64,900 720,000 97,350 1,200,000 162,250 13.5%500,000 6,000,000 1,319,500 1,200,000 263,900 1,800,000 395,850 3,000,000 659,750 22.0%

1,000,000 12,000,000 3,419,500 1,500,000 427,438 3,600,000 1,025,850 5,100,000 1,453,288 28.5%

50,000 600,000 7,000 120,000 1,400 180,000 2,100 300,000 3,500 1.2%100,000 1,200,000 59,500 240,000 11,900 360,000 17,850 600,000 29,750 5.0%200,000 2,400,000 242,000 480,000 48,400 720,000 72,600 1,200,000 121,000 10.1%500,000 6,000,000 1,147,000 1,200,000 229,400 1,800,000 344,100 3,000,000 573,500 19.1%

1,000,000 12,000,000 2,922,000 1,500,000 365,250 3,600,000 876,600 5,100,000 1,241,850 24.4%

Illustra�on of Tax Credit on Investment in Mutual Funds and Voluntary Pension Schemes (VPS)

Total Tax Credit (savings) in Mutual

Funds and VPS

Non

-Sal

arie

dIn

divi

dual

Sala

ried

Indi

vidu

al

1. Mutual Funds:

Investment amount eligible for Tax credit is up to 20% taxable income or Rs. 1,500,000/- whichever is lower. Holding period of investment of atleast 24 months from the date of investment is required to avail tax credit.

2. Voluntary Pension Schemes (VPS) / Pension Funds:

Investment amount eligible for tax credit is up to 20% of taxable income. For persons age 41 and above, an additional 2% per year investment for each year exceeding age 40 is eligible for tax credit

subject to a cap of 30% of the preceding year’s taxable income. Pre-mature withdrawal from Pension fund is subject to tax. Lump sum withdrawal in excess of 50% at or after retirement age will be subject to tax.

3. Taxation:

Please refer to the Income Tax Ordinance 2001, section 62, 63 and 156 B to understand the Tax Law fully and the terms and conditions that apply. Tax rates are for FY 2017-18.

Notes:

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2018

2017- 2018

AB =

A X 12CD =

C x Tax rate

E =B X 30%

F = E X Tax

rate

G = C + E

H = D + F

I = H / G

50,000600,00017,000120,0003,400180,0005,100300,0008,5002.8%100,0001,200,00099,500240,00019,900360,00029,850600,00049,7508.3%200,0002,400,000324,500480,00064,900720,00097,3501,200,000162,25013.5%500,0006,000,0001,319,5001,200,000263,9001,800,000395,8503,000,000659,75022.0%

1,000,00012,000,0003,419,5001,500,000427,4383,600,0001,025,8505,100,0001,453,28828.5%

50,000600,0007,000120,0001,400180,0002,100300,0003,5001.2%100,0001,200,00059,500240,00011,900360,00017,850600,00029,7505.0%200,0002,400,000242,000480,00048,400720,00072,6001,200,000121,00010.1%500,0006,000,0001,147,0001,200,000229,4001,800,000344,1003,000,000573,50019.1%

1,000,00012,000,0002,922,0001,500,000365,2503,600,000876,6005,100,0001,241,85024.4%

%3 30 132

-3

-2

-1

2017-18

7

1

6

1

21.29.4

5

1

1320

4

1

2470

3

1

2

6.66.15.13.0

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Head Of�ce7 Floor Clifton Diamond Building, Block No. 4, Scheme No. 5, Clifton Karachi

Regional Of�ce (Hyderabad)National Bank of Pakistan, FatimaJinnah Branch, 1st Floor, NAFA,Fatima Jinnah Road, Hyderabad.

Faisal Town Branch926-C Maulana Shaukat Ali Road,Faisal Town, Lahore.Ph #: 042 - 35175501-7 (7 Lines)

HyderabadPlot # 1054 station road near HaiderChowk Ghari Khata Hyderabad.Ph #: 022-2720912-19

Main Market Gulberg II BranchRegional Of�ce 21-E Main MarketGulberg II Lahore.Ph#: 042 - 35752782-83, 35752734-40,35752790-92 (12 Lines)

Commercial Area Cavalry GroundShop # 1 Plaza 65 Commercial Area Cavalry Ground Lahore.Ph#: 042 - 36670171-75 (5 lines)36619878

Islamic Savings Centre (Lahore)

Islamic Savings Centre (Hyderabad)

Faisalabad BranchP-74 First Floor Liaqat Road Faisalabad.Ph #: 041- 2610157-63 (07-Lines)

Islamic Savings Centre (Faisalabad)

Islamic Savings Centre (Rawalpindi)

Sialkot BranchOf�ce # B1-16-S, Paris Road, Sialkot.Ph #: 052 - 4581501-8 (08-Lines)

Gunjranwala BranchBuilding 94,96 Street# 2 Mohallah BhatiaNagar GT Road Gujranwala.Ph #: 055 - 3842601-8 (08-Lines)

Sadiqabad BranchShop No. DT 183-184, Chirah Road,Sadiqabad, Muslim Town, Rawalpindi.Phone No. : 051-4573804-05

Islamic Savings Centre (Sialkot)

Islamic Savings Centre (Gujranwala)

BahadurabadShop No.10, Silver Line Apartments,Mian Jamal Uddin Afghani Road,Plot No.15/5, Block-3, Bihar MuslimCooperative Housing Society, Karachi.(+92-21) 34929933-35 (3 Lines)

Islamic brochure(3)

Investor Relations