We offer a wide range of solutions to meet your needs

Standard Chartered Investment Services helps you decide where to invest your hard-earned income: a first for any bank in Pakistan. We've offered a diverse portfolio of investment options to our valued customers since 2004, helping you minimise your risk while maximising your returns.

Fixed Income Products

Certificate of Musharika (COM)

Certificate of Musharika (COM) is a shariah compliant profit and loss sharing scheme, with an indicative rate of return with tenor up to one year.

Benefits:

  • Shariah compliant
  • Capital Protection (If funds stay invested till maturity)
  • Low risk
  • Periodic payout option

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Retail Term Finance Certificates (TFCs)

Standard Chartered Bank offers fixed-rate Retail Term Finance Certificates (TFCs) through its distribution channels, if any on offer, to individual and as well as institutional investors. A TFC, like bonds, are structured to provide regular income in the form of coupons and the TFC is given a credit rating by either JCR-VIS or PACRA before they are available for issue.

Benefits:

  • Low to Medium risk
  • Monthly / Quarterly / Semi-annual profit payments (depending on product structure)
Note: Please check with your respective RM for product availability

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Ijarah Sukuks

Ijarah Sukuks, are medium to long-term investment instruments with floating coupon payments guaranteed by the Government of Pakistan.

Benefits:

  • Shariah compliant
  • Low risk
  • Semi-annual profit payments
  • Guaranteed by Government of Pakistan
  • Tradable in secondary market
Note: Please check with your respective RM for product availability

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Retail Sukuks

Retail Sukuks are medium to long-term investment instruments with floating coupon payments

Benefits:

  • Shariah compliant
  • Low to Medium risk
  • Monthly / Quarterly / Semi-annual profit payments (depending on product structure)
Note: Please check with your respective RM for product availability

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Treasury Bills (T-Bills):

T Bills are short term discount securities guaranteed by Government of Pakistan.

Benefits:

  • Short-term, highly liquid zero-coupon Government Debt Instruments.
  • Sold at discount to face value.
  • Tenors up to 1 Year.
  • Tradable in the secondary market

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Pakistan Investment Bonds (PIBs)

PIBs, are medium to long-term investment instruments with fixed coupon payments guaranteed by the Government of Pakistan

Benefits:

  • Long-term, coupon bearing instruments with semi-annual (six monthly) coupon payments.
  • Available maturities upto 10 Years.
  • Auction schedule and targets for fresh PIBs issuance announced by SBP on a quarterly basis
  • Guaranteed by Government of Pakistan
  • Tradable in secondary market

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Defence Saving Certificates (DSC)

This is a ten years maturity scheme. These certificates are available in the denomination of Rs.500, Rs.1000, Rs.5000, Rs.10,000, Rs.50,000, Rs.100,000, Rs.500,000 and Rs.1,000,000/=

Benefits:

  • Principal Protected
  • Low risk
  • Guaranteed by Government of Pakistan

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Special Savings Certificates (SSC)

This is three years maturity scheme where profit is paid on the completion of each period of six months. These certificates are available in the denomination of Rs.500, Rs.1000, Rs.5000, Rs.10,000, Rs.50,000, Rs.100,000, Rs.500,000 and Rs.1,000,000/=

Benefits:

  • Principal Protected
  • Low risk
  • Periodic Profit Payments
  • Guaranteed by Government of Pakistan

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Mutual Fund Products

  • Money Market Funds:

    A Money Market Fund is a type of Income Fund that invests in debt securities characterized by their short maturities and minimal credit risk. Money Market Funds are among the lowest volatility type of investments.

    Note: Currently no funds are offered in this category

  • Income Funds:

    Income Funds provide a competitive rate of return to its investors by investing in quality TFCs / Sukuk, Government Securities, Bank Deposits, and short and long term fixed income instruments.

    Note: Currently no funds are offered in this category

  • Limited Subscription Plans

    Limited Subscription Plan offers potentially high returns through participation in Equity schemes and protect downside risk of capital through participation in Income/Money Market schemes. Limited Subscription Plans are of a limited time period (generally 2 years) and carry a back-end load on early redemption.

    Note: Please check with your respective RM for product availability.

  • Asset Allocation Fund:

    An Asset Allocation Fund aims to earn a potentially high return through asset allocation between Equity Instruments, Fixed Income Instruments and Money Market Instruments as per Fund Manager’s discretion.

    i. Al Ameen Islamic Asset Allocation Fund

    AI-Ameen Islamic Asset Allocation Fund provides investors with a portfolio having a variable mix of asset classes. The fund has a provision to diversify its net assets across multiple types of Shariah Compliant securities and investment styles

    Benefits:

    • Shariah compliant
    • Medium risk
    • No minimum holding period
    • Easily redeemable
    • Tax rebate available
    • Partial or complete encashment at any time

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    ii. MCB Pakistan Asset Allocation Fund

    MCB Pakistan Asset Allocation Fund is an asset allocation fund and its objective is to provide a high absolute return by investing in equity and debt markets

    Benefits:

    • Medium risk
    • No minimum holding period
    • Easily redeemable
    • Tax rebate available
    • Partial or complete encashment at any time

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    iii. MCB Pakistan Frequent Payout Fund

    MCB Pakistan Frequent Payout Fund is an asset allocation fund and its objective is to provide investors monthly payouts by investing Fund's assets in Debt and Equity instruments

    Benefits:

    • Medium risk
    • No minimum holding period
    • Easily redeemable
    • Tax rebate available
    • Partial or complete encashment at any time
    • Monthly profit payout

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    iv. Bachat Units for Alhamra Islamic Asset Allocation Fund

    Bachat Units for Alhamra Islamic Asset Allocation Fund is a unit for investors where there is no front-end load while a back-end load is applicable if the units are redeemed before end of 2yrs. Alhamra Islamic Asset Allocation Fund is an open-ended, asset allocation fund that invests in shariah compliant equity and debt markets. Alhamra Islamic Asset Allocation Fund shifts exposures between shariah compliant debt and equity as per market conditions and discretion of MCBAH

    Benefits:

    • 100% initial allocation
    • Shariah compliant
    • Medium risk
    • No minimum holding period
    • Easily redeemable
    • Tax rebate available
    • Partial or complete encashment at any time

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  • Equity Funds:

    An Equity Fund invests primarily in equities listed on the PSX. The Fund seeks to maximize total returns and outperform its benchmark by investing in a combination of securities offering long term capital gains and dividend yield potential.

    Note: Currently no funds are offered in this category

  • Pension Funds:

    A Pension Fund aims to provide a secure source of savings and regular income after retirement to the participants. The participants would contribute to the fund during their working life and would typically withdraw from the fund on or after retirement.

    Meezan Tahaffuz Pension Fund

    Meezan Tahaffuz Pension Fund is a Voluntary Pension Scheme that allows flexibility of contributions in terms of amount and frequency to meet your post-retirement financial needs

    Benefits:

    • Shariah compliant
    • Up to 50% of investment amount can be redeemed tax free upon retirement
    • Tax rebate available (up to 50%)

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Disclaimer

Investments in Mutual Funds / Investment Products are subject to market risks. Past performance should not be taken as a guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Please read the Trust Deed and the Offering Document of a Mutual Fund carefully to understand the investment policy of a Mutual Fund and the risks involved. Standard Chartered Bank (Pakistan) Limited is only the ‘Distributor’ of Mutual Funds in Pakistan, as licensed by Securities and Exchange Commission of Pakistan through License to Act as Securities Advisor under license no. SA-0040/SA/SMD/2018 – 005. This literature constitutes a summary of products and while all reasonable care has been taken in preparing this document, no responsibility is taken by Standard Chartered Bank (Pakistan) Limited for any opinion expressed herein or any liability for any consequences, financial or otherwise, arising from the subscription or acquisition of these products. Investors should make their own appraisal and consult their own financial, legal, taxation and other professional advisors prior to any subscriptions. Any product details/offerings will be shared by Standard Chartered Bank (Pakistan) Limited after conducting Suitability Assessment and Financial Need Analysis of the client.

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