Investment Bulletin
Lower Risk Investment Strategy - May 2017
4-Past performance:
a)
b)
c)
Have a low tolerance to risk
Can tolerate slight volatility in unit price
Seek steady level of growth in unit price with a lower level of risk
Investment Strategies
The above figures are the growth in the unit price as an annualized return over the relevant period. Unit
prices can fall as well as rise and cannot be guaranteed. These figures are based on the net (after investment
management charges) performance of the fund throughout the period.
The past performance of each investment strategy is not an indicator of what might be achieved in the future.
Fixed Income and Equity Unit Price
FI
Jan-17
Apr-17
Jul-16
Oct-16
Jan-16
Apr-16
Jul-15
Oct-15
Jan-15
Apr-15
Jul-14
EQ
Oct-14
1.9
1.8
1.7
1.6
1.5
1.4
1.3
1.2
1.1
1
0.9
Jan-14
This investment strategy is suitable for customers who :
1.07%
Apr-14
3-Customer Risk Profile:
YTD
0.72%
Jul-13
2-Investment Objective:
To provide our customers with steady growth in the unit price over the long term without
major volatility.
6 Month
1.07%
Oct-13
$1.1147
3 Month
0.19%
Jan-13
$1.000
1 Month
Apr-13
Unit Price
2017
Actual Growth (%) for
Specified Period
Jul-12
01/05/2017
2016
1.42%
Oct-12
21/12/2009
2015
-0.29%
Jan-12
Date
2014
2.57%
Apr-12
At Valuation
2013
-0.38%
Jul-11
At Establishment
2012
3.32%
Oct-11
Key Information
2011
1.32%
Jan-11
The content of this Investment Bulletin is for informational purposes only and does not have
any regard to the specific investment objectives, financial situation or particular needs of any
particular person.
2010
1.71%
Apr-11
Al Hilal Takaful’s investment strategies have been designed to suit the needs of Participants
who want to save for a minimum of 10 years in Regular Contribution Plans or a minimum of
5 years in Flexible Savings Plan. Those Participants with different objectives should make
alternative savings arrangements.
Year
Actual Growth (%) for
Specified Period
Unit Price
1- Introduction:
5-Asset Class Mix:
This investment strategy has 100% of the contribution invested in Al Hilal Takaful Shari’a Fixed Income Fund
exposed to lower risk assets including Sukuk and Murabaha instruments. This investment strategy is
denominated in US $.
10%
Sukuk
Murabaha & Cash
90%
Tolerance to Risk
Al Hilal Takaful B.S.C. (c) is a closed joint stock company, licensed by the Central Bank of Bahrain as a locally Incorporated Life Insurance Firm (Islamic Principles) with authorized capital of USD 50,000,000 and paid up capital of USD 13,262,600 & Registered in the Kingdom of Bahrain under C.R. No. 71181. Registered Office: Seef Star Building
(Investors Bank Building), Office 52, 5th Floor, Bldg 680, Road 2811, Al Seef District 428, P.O. Box 5832 Manama, Kingdom of Bahrain.
Investment Bulletin
Cautious Investment Strategy - May 2017
1- Introduction:
4-Past performance:
Al Hilal Takaful’s investment strategies have been designed to suit the needs of Participants
who want to save for a minimum of 10 years in Regular Contribution Plans or a minimum of 5
years in Flexible Savings Plan. Those Participants with different objectives should make
alternative savings arrangements.
The content of this Investment Bulletin is for informational purposes only and does not have
any regard to the specific investment objectives, financial situation or particular needs of any
particular person.
At Establishment
Fixed Income
Equity
Date
21/12/2009
Unit Price
$1.000
Fixed Income
2012
2013
2014
2015
2016
5.01%
6.91%
3.77%
-4.34%
1.45%
2017
1 Month
3 Month
6 Month
YTD
Actual Growth (%) for
Specified Period
-0.11%
1.80%
2.79%
0.83%
The above figures are the growth in the unit price as an annualized return over the relevant period. Unit prices can fall
as well as rise and cannot be guaranteed. These figures are based on the net (after investment management charges)
performance of the fund throughout the period.
The past performance of each investment strategy is not an indicator of what might be achieved in the future.
1.9
1.8
Equity
$1.1147
$1.2610
This investment strategy is suitable for customers who :
Have a low to medium tolerance to risk
Can tolerate slight volatility in unit price
Seek low to medium potential for growth in unit price but with a low to
medium level of risk
Fixed Income and Equity Unit Price
1.7
01/05/2017
3-Customer Risk Profile:
This investment strategy is suitable for customers who :
Investment Strategies
2011
0.83%
At Valuation
2-Investment Objective:
To provide our customers with the opportunity for slightly higher growth in the unit price over
the long term but with potential for some volatility.
a)
b)
c)
2010
0.98%
1.6
Unit Price
Key Information
Year
Actual Growth (%) for
Specified Period
1.5
1.4
FI
1.3
EQ
1.2
1.1
1
0.9
5-Asset Class Mix:
This investment strategy has 75% of the contribution invested in Al Hilal Takaful Shari’a Fixed Income Fund exposed to
lower risk assets including Sukuk and Murabaha instruments and 25% of the contribution invested in Al Hilal Takaful
GCC/MENA Shari'a Equity Fund. This investment strategy is denominated in US $.
25%
7.5%
67.5%
Sukuk
Murabaha & Cash
Equity
Tolerance to Risk
Al Hilal Takaful B.S.C. (c) is a closed joint stock company, licensed by the Central Bank of Bahrain as a locally Incorporated Life Insurance Firm (Islamic Principles) with authorized capital of USD 50,000,000 and paid up capital of USD 13,262,600 & Registered in the Kingdom of Bahrain under C.R. No. 71181. Registered Office: Seef Star Building (Investors Bank
Building), Office 52, 5th Floor, Bldg 680, Road 2811, Al Seef District 428, P.O. Box 5832 Manama, Kingdom of Bahrain.
Investment Bulletin
Balanced Investment Strategy - May 2017
1- Introduction:
4-Past performance:
Al Hilal Takaful’s investment strategies have been designed to suit the needs of Participants who
want to save for a minimum of 10 years in Regular Contribution Plans or a minimum of 5 years in
Flexible Savings Plan. Those Participants with different objectives should make alternative
savings arrangements.
The content of this Investment Bulletin is for informational purposes only and does not have any
regard to the specific investment objectives, financial situation or particular needs of any
particular person.
At Establishment
Fixed Income
Equity
Date
21/12/2009
Unit Price
$1.000
2010
2011
2012
2013
2014
2015
2016
0.25%
0.33%
6.70%
14.20%
4.96%
-8.40%
1.48%
2017
1 Month
3 Month
6 Month
YTD
Actual Growth (%) for
Specified Period
-0.41%
2.53%
4.87%
0.59%
The above figures are the growth in the unit price as an annualized return over the relevant period. Unit prices can
fall as well as rise and cannot be guaranteed. These figures are based on the net (after investment management
charges) performance of the fund throughout the period.
The past performance of each investment strategy is not an indicator of what might be achieved in the future.
At Valuation
Fixed Income
1.9
Equity
1.8
01/05/2017
$1.1147
1.6
$1.2610
2-Investment Objective:
To provide our customers with the opportunity for medium growth in the unit price over the long
term but with potential for considerable volatility.
1.5
1.4
FI
1.3
EQ
1.2
3-Customer Risk Profile:
This investment strategy is suitable for customers who :
1.1
This investment strategy is suitable for customers who :
0.9
a)
b)
c)
Have a medium tolerance to risk
Can tolerate considerable volatility in unit price
Seek medium potential for growth in unit price but with a
medium level of risk
Investment Strategies
Fixed Income and Equity Unit Price
1.7
Unit Price
Key Information
Year
Actual Growth (%) for
Specified Period
1
5-Asset Class Mix:
This investment strategy has 50% of the contribution invested in Al Hilal Takaful Shari’a Fixed Income Fund exposed
to lower risk assets including Sukuk and Murabaha instruments and 50% of the contribution invested in Al Hilal
Takaful GCC/MENA Shari'a Equity Fund. This investment strategy is denominated in US $.
50%
45.0%
Sukuk
Murabaha & Cash
Equity
Tolerance to Risk
5.0%
Al Hilal Takaful B.S.C. (c) is a closed joint stock company, licensed by the Central Bank of Bahrain as a locally Incorporated Life Insurance Firm (Islamic Principles) with authorized capital of USD 50,000,000 and paid up capital of USD 13,262,600 & Registered in the Kingdom of Bahrain under C.R. No. 71181. Registered Office: Seef Star Building (Investors Bank
Building), Office 52, 5th Floor, Bldg 680, Road 2811, Al Seef District 428, P.O. Box 5832 Manama, Kingdom of Bahrain.
Investment Bulletin
Growth Investment Strategy - May 2017
1- Introduction:
4-Past performance:
Al Hilal Takaful’s investment strategies have been designed to suit the needs of Participants who
want to save for a minimum of 10 years in Regular Contribution Plans or a minimum of 5 years in
Flexible Savings Plan. Those Participants with different objectives should make alternative
savings arrangements.
The content of this Investment Bulletin is for informational purposes only and does not have any
regard to the specific investment objectives, financial situation or particular needs of any
particular person.
At Establishment
Fixed Income
Equity
Date
21/12/2009
Unit Price
$1.000
This investment strategy is suitable for customers who :
a)
b)
c)
Have a medium to high tolerance to risk
Can tolerate significant volatility in unit price
Seek significant potential for growth in unit price but with a
greater level of risk
Investment Strategies
2011
2012
2013
2014
2015
2016
-0.17%
8.40%
21.48%
6.16%
-12.46%
1.51%
2017
1 Month
3 Month
6 Month
YTD
Actual Growth (%) for
Specified Period
-0.71%
3.25%
6.94%
0.35%
The above figures are the growth in the unit price as an annualized return over the relevant period. Unit prices can
fall as well as rise and cannot be guaranteed. These figures are based on the net (after investment management
charges) performance of the fund throughout the period.
The past performance of each investment strategy is not an indicator of what might be achieved in the future.
1.9
At Valuation
Fixed Income
1.8
Equity
$1.2610
Fixed Income and Equity Unit Price
1.7
01/05/2017
$1.1147
2-Investment Objective:
To provide our customers with the opportunity for higher growth in the unit price over the long
term but with potential for significant volatility.
3-Customer Risk Profile:
This investment strategy is suitable for customers who :
2010
-0.48%
1.6
Unit Price
Key Information
Year
Actual Growth (%) for
Specified Period
1.5
1.4
FI
1.3
EQ
1.2
1.1
1
0.9
5-Asset Class Mix:
This investment strategy has 25% of the contribution invested in Al Hilal Takaful Shari’a Fixed Income Fund exposed
to lower risk assets including Sukuk and Murabaha instruments and 75% of the contribution invested in Al Hilal
Takaful GCC/MENA Shari'a Equity Fund. This investment strategy is denominated in US $.
22.5%
2.5%
75%
Sukuk
Murabaha & Cash
Equity
Tolerance to Risk
Al Hilal Takaful B.S.C. (c) is a closed joint stock company, licensed by the Central Bank of Bahrain as a locally Incorporated Life Insurance Firm (Islamic Principles) with authorized capital of USD 50,000,000 and paid up capital of USD 13,262,600 & Registered in the Kingdom of Bahrain under C.R. No. 71181. Registered Office: Seef Star Building (Investors Bank
Building), Office 52, 5th Floor, Bldg 680, Road 2811, Al Seef District 428, P.O. Box 5832 Manama, Kingdom of Bahrain.
Investment Bulletin
Equity Investment Strategy - May 2017
4-Past performance:
a)
b)
c)
Have a higher tolerance to risk
Can tolerate significant volatility in unit price
Seek higher level of growth in unit price with a higher level of risk
The above figures are the growth in the unit price as an annualized return over the relevant period. Unit
prices can fall as well as rise and cannot be guaranteed. These figures are based on the net (after investment
management charges) performance of the fund throughout the period.
The past performance of each investment strategy is not an indicator of what might be achieved in the
future.
Fixed Income and Equity Unit Price
FI
Jan-17
Apr-17
Jul-16
Oct-16
Jan-16
Apr-16
Jul-15
Oct-15
Jan-15
Apr-15
Jul-14
EQ
Oct-14
1.9
1.8
1.7
1.6
1.5
1.4
1.3
1.2
1.1
1
0.9
Jan-14
This investment strategy is suitable for customers who :
0.11%
Apr-14
3-Customer Risk Profile:
YTD
9.01%
Jul-13
2-Investment Objective:
To provide our customers with the opportunity for high growth in the unit price over the
long term but with potential for significant volatility.
6 Month
3.98%
Oct-13
$1.2610
3 Month
-1.01%
Jan-13
$1.000
1 Month
Apr-13
Unit Price
2017
Actual Growth (%) for
Specified Period
Jul-12
01/05/2017
2016
1.54%
Oct-12
21/12/2009
2015
-16.51%
Jan-12
Date
2014
7.36%
Apr-12
At Valuation
2013
28.77%
Jul-11
At Establishment
2012
10.09%
Oct-11
Key Information
2011
-0.67%
Jan-11
The content of this Investment Bulletin is for informational purposes only and does not have
any regard to the specific investment objectives, financial situation or particular needs of any
particular person.
2010
-1.21%
Apr-11
Al Hilal Takaful’s investment strategies have been designed to suit the needs of Participants
who want to save for a minimum of 10 years in Regular Contribution Plans or a minimum of
5 years in Flexible Savings Plan. Those Participants with different objectives should make
alternative savings arrangements.
Year
Actual Growth (%) for
Specified Period
Unit Price
1- Introduction:
5-Asset Class Mix:
This investment strategy has 100% of the contribution invested in Al Hilal Takaful GCC/MENA Shari’a Equity
Fund. This investment strategy is denominated in US $.
Investment Strategies
Equity
100%
Tolerance to Risk
Al Hilal Takaful B.S.C. (c) is a closed joint stock company, licensed by the Central Bank of Bahrain as a locally Incorporated Life Insurance Firm (Islamic Principles) with authorized capital of USD 50,000,000 and paid up capital of USD 13,262,600 & Registered in the Kingdom of Bahrain under C.R. No. 71181. Registered Office: Seef Star Building
(Investors Bank Building), Office 52, 5th Floor, Bldg 680, Road 2811, Al Seef District 428, P.O. Box 5832 Manama, Kingdom of Bahrain.