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Investment Guide
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0800-20002
www.nbpfunds.com
INVEST to 9995 info@nbpfunds.com
Disclaimer: All investments in Mutual Funds and Pension Funds are subject to market risks. Past performance is not necessarily indica�ve of future results. Please read
the Offering Documents of the Fund to understand the investment policies and risk involved.
KEY ADVANTAGES OF INVESTING IN A MUTUAL FUND
Professional Investment Management Tax credit as per the applicable tax laws
Diversification Liquidity and Ease of withdrawal
Rated 'AM1' (Very High Quality) by PACRA. Highest rating offered to Asset Management Companies in Pakistan
No lock-in period. You can redeem your investment at any time you wish
Investment can be encashed at any ATM all over Pakistan through debit card
Transfer of redemption proceeds into your bank account upto Rs. 15 Lacs within 45 minutes with SWIFTPAY Facility. (terms & conditions apply)**
Free of cost Accidental Death and Permanent Disability Insurance of upto Rs. 5,000,000. (terms & conditions apply)
NAFA Stock Fund NAFA Asset Alloca�on Fund NAFA Income Opportunity Fund
Annualized
Return 18.9% 12.6% 9.5%
NSF
23.8 Lacs
Rs. Lacs
18.1 Lacs
15.8 Lacs
NAAF
NIOF
10.0 Lacs
Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18
* Ending September 28, 2018
**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 technical reason. This facility will be available from 9:30
Total Return
FY - 2018 FY - 2017 FY - 2016 FY - 2015 FY - 2014
Oct 13 - Sep 18
NIOF 57.7% 5.3% 6.3% 7.5% 13.2% 16.6%
Benchmark* 43.6% 6.3% 6.1% 6.5% 9.0% 9.8%
* Benchmark: 6-month KIBOR.
Annualized return since incep�on of Fund on April 21, 2006 is 8.0% p.a. vs Benchmark return of 10.0% p.a. Last one year return (October 2017 to September 2018)
is 5.9% versus benchmark return of 6.8%.
Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of front end load. Taxes apply as per current income tax law.
15.8 Lacs
14.4 Lacs
Rs. Lacs
10.0 Lacs
Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18
* Ending September 29, 2018
Disclaimer: All investments in mutual funds are subject to market risks. Past performance is not necessarily indica�ve of future results. Please read the Offering
Documents to understand investment policies and the risks 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. The reported returns may include provisioning and reversal
02
of provisioning against some debt securi�es.
NAFA Asset Allocation Fund
Investment of Rs. 10 Lacs grew to
Rs. 18.1 Lacs in only 5 Years*
Fund Investment Objective: To generate income by investing in Debt & Money Market securities
and to generate capital appreciation by investing in equity and equity related securities.
Fund Size: PKR 313 Crore as on September 28, 2018.
Category: Asset Allocation Scheme.
Start investing with PKR 10,000 only
Performance of NAFA Asset Allocation Fund (NAAF) as of September 28, 2018
Total Return
FY - 2018 FY - 2017 FY - 2016 FY - 2015 FY - 2014
Oct 13 - Sep 18
NAAF 81.1% (6.8%) 29.9% 7.6% 24.6% 13.7%
Benchmark** 46.5% (2.8%) 14.2% 6.2% 9.6% 15.3%
**Benchmark: Daily weighted return of KSE-30 Total Return Index & 6-month KIBOR based on funds actual alloca�on. (Effec�ve from September 01, 2016; Previous-
ly 1/3 of average 3-month bank deposit rate; 1/3 of 6-month KIBOR; 1/3 of KSE 30 Index Total Return.
Annualized return since incep�on of Fund on August 20, 2010 is 16.0% p.a. vs Benchmark return of 9.8% p.a. Last one year return (October 2017 to September 2018)
is 0.2% versus benchmark return of 3.2%.
Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of front end load. Taxes apply as per current income tax law.
18.1 Lacs
Rs. Lacs
14.7 Lacs
10.0 Lacs
Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18
* Ending September 28, 2018
03 Disclaimer: All investments in mutual funds are subject to market risk. Past performance is not necessarily indica�ve of future results. Please read the offering
documents to understand the investment policies and the risk involved.
NAFA Stock Fund
Investment of Rs. 10 lacs grew to
Rs. 23.8 lacs in only 5 Years*
Fund Investment Objective: To provide investors with long term capital growth from an
actively managed portfolio invested primarily in listed equities in Pakistan.
Fund Size: PKR 1,625 Crore as on September 28, 2018.
Category: Equity Scheme.
Start investing with PKR 10,000 only
Performance of NAFA Stock Fund (NSF) as of September 28, 2018
Total Return
FY - 2018 FY - 2017 FY - 2016 FY - 2015 FY - 2014
Oct 13 - Sep 18
NSF 137.8% (9.7%) 33.7% 11.4% 36.9% 36.3%
Benchmark** 58.6% (10.0%) 17.9% 7.1% 12.3% 29.6%
** Benchmark: From Jan 2014 KSE-30 Total Return Index, previously KSE-30 Index.
Annualized return since incep�on of the Fund on January 19, 2007 is 15.3% p.a. versus the Benchmark return of 5.9% p.a. Last one year return (October 2017 to
September 2018) is -1.6% versus benchmark return of -2.0%.
Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of front end load. Taxes apply as per current income tax law.
23.8 Lacs
Rs. Lacs
15.9 Lacs
10.0 Lacs
Disclaimer: All investments in mutual funds are subject to market risk. Past performance is not necessarily indica�ve of future results. Please read the offering 04
documents to understand the investment policies and the risk involved.
ENJOY LIFE AFTER RETIREMENT BY INVESTING IN
NAFA Pension Fund
Fund Investment Objective: To provide a secure source of savings and regular income after
retirement to participants.
Fund Size: PKR 213 Crore as on September 28, 2018.
Category: Voluntary Pension Scheme.
Key benefits:
Regular Income stream after retirement Tax free withdrawal of upto 50% at retirement
30.0 Lacs
Rs. Lacs
14.8 Lacs
13.4 Lacs
10.0 Lacs
Jul 13 Jul 14 Jul 15 Jul 16 Jul 17 Sep 18
*Since Incep�on (July 02, 2013 to September 28, 2018)
05 Note: The calcula�on of performance does not include cost of frontend 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 indica�ve of future results. Please read the offering
documents to understand the investment policies and the risk involved.
What is inflation?
Inflation is the rate at which the price of goods and services increases in a country. Inflation eats
away the purchasing power of money, and reduces the value of savings and investment.
400,000 362,446
300,000 258,419
200,000
100,000
0
1 5 10 15 20
No. of Years
* 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 5.0% (versus historical equity capital growth of 20.0% p.a in last 16 years and 6.0%
average return of bank deposits).
*** Assuming infla�on of 7.0% p.a.
^Annual dividend/profit divided in equal monthly installments.
Reduce your tax liability & earn competitive returns all together by following these steps:-
Step#1. Invest in NBP Funds up to your tax ceiling before June 30, 2019.
Step#2. Claim Tax Credit on your tax liability of 2018 - 2019 from your investment.
Following table shows tax ceiling for various taxable income brackets for salaried and non-salaried individuals.
B= C D= E= F= G= H= I=
A =B*20% C x Tax B x 30% E x Tax C+E D+F H/G
A x 12 rate rate
100,000 1,200,000 2,000 240,000 400 360,000 600 600,000 1,000 0.2%
200,000 2,400,000 60,000 480,000 12,000 720,000 18,000 1,200,000 30,000 2.5%
Individual
Salaried
325,000 3,900,000 275,000 780,000 55,000 1,170,000 82,500 1,950,000 137,500 7.1%
650,000 7,800,000 1,050,000 1,560,000 210,000 2,340,000 315,000 3,900,000 525,000 13.5%
1,000,000 12,000,000 2,090,000 2,000,000 348,333 3,600,000 627,000 5,600,000 975,333 17.4%
2,000,000 24,000,000 5,090,000 2,000,000 424,167 7,200,000 1,527,000 9,200,000 1,951,167 21.2%
100,000 1,200,000 2,000 240,000 400 360,000 600 600,000 1,000 0.2%
200,000 2,400,000 60,000 480,000 12,000 720,000 18,000 1,200,000 30,000 2.5%
Non-Salaried
250,000 3,000,000 150,000 600,000 30,000 900,000 45,000 1,500,000 75,000 5.0%
Individual
325,000 3,900,000 330,000 780,000 66,000 1,170,000 99,000 1,950,000 165,000 8.5%
415,000 4,980,000 595,000 996,000 119,000 1,494,000 178,500 2,490,000 297,500 11.9%
1,000,000 12,000,000 2,630,000 2,000,000 438,333 3,600,000 789,000 5,600,000 1,227,333 21.9%
2,000,000 24,000,000 6,110,000 2,000,000 509,167 7,200,000 1,833,000 9,200,000 2,342,167 25.5%
Amount in PKR
Notes:
1. Mutual Funds:
Investment amount eligible for Tax credit is up to 20% taxable income or Rs. 2,000,000/- 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 the age of 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 2018-19.
07 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 the
Fund to understand the investment policies and risk involved.
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2018- 2019
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I= H= G= F= E= D= C B=
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0.2% 1,000 600,000 600 360,000 400 240,000 2,000 1,200,000 100,000
2.5% 30,000 1,200,000 18,000 720,000 12,000 480,000 60,000 2,400,000 200,000
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13.5% 525,000 3,900,000 315,000 2,340,000 210,000 1,560,000 1,050,000 7,800,000 650,000
17.4% 975,333 5,600,000 627,000 3,600,000 348,333 2,000,000 2,090,000 12,000,000 1,000,000
21.2% 1,951,167 9,200,000 1,527,000 7,200,000 424,167 2,000,000 5,090,000 24,000,000 2,000,000
0.2% 1,000 600,000 600 360,000 400 240,000 2,000 1,200,000 100,000
2.5% 30,000 1,200,000 18,000 720,000 12,000 480,000 60,000 2,400,000 200,000
5.0% 75,000 1,500,000 45,000 900,000 30,000 600,000 150,000 3,000,000 250,000
8.5% 165,000 1,950,000 99,000 1,170,000 66,000 780,000 330,000 3,900,000 325,000
11.9% 297,500 2,490,000 178,500 1,494,000 119,000 996,000 595,000 4,980,000 415,000
21.9% 1,227,333 5,600,000 789,000 3,600,000 438,333 2,000,000 2,630,000 12,000,000 1,000,000
25.5% 2,342,167 9,200,000 1,833,000 7,200,000 509,167 2,000,000 6,110,000 24,000,000 2,000,000
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Bahadurabad
Shop No.10, Silver Line Apartments,
Sadiqabad Branch
Shop No. DT 183-184, Chirah Road,
Mian Jamal Uddin Afghani Road,
Sadiqabad, Muslim Town, Rawalpindi.
Plot No.15/5, Block-3, Bihar Muslim
Phone No. : 051-4573804-05
Cooperative Housing Society, Karachi.
(+92-21) 34929933-35 (3 Lines)