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Know Your Profile

Risk Profiling

Understand how fund risk bands align with liquidity needs, loss tolerance and investment horizon.

Risk guide

Match the product to your capacity for loss.

Risk labels describe broad product behaviour; they do not replace a personal suitability assessment or eliminate investment risk.

Very Low

Cash Fund, Money Market Fund, Islamic Cash Fund

Liquidity and capital preservation

Moderate

Government Securities Fund

Sovereign exposure with some price movement

Medium

Income Fund, Islamic Income Fund, Islamic Savings Fund

Income with measured credit and duration risk

High

Asset Allocation Fund, Stock Fund, Islamic Stock Fund

Long-term growth with meaningful market volatility

Your time horizon

Money needed soon generally has less time to recover from market declines.

Your loss tolerance

Consider both your financial ability and emotional comfort when values fall.

Your liquidity need

Keep emergency and near-term cash needs separate from longer-term investments.

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