Home > Mutual Funds > FoF > Shariah Compliant Capital Protected Scheme

JS Islamic Sarmaya Mehfooz Fund Plan 2 2020

59 /100

Score Breakdown

Return (30%) 7.5

Risk Ctrl (30%) 30.0

Consistency (15%) 3.8

Cost Eff (15%) 15.0

Yield (10%) 2.5

Total AUM

Rs. 318M

Expense Ratio

0.68%

Category Rank

#4 of 4

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 96.0400

0.00% 1D 0.00% YTD

Data As Of:
May 01, 2026

Interactive Performance

Growth of Rs.

Log Scale Payouts

Executive Summary

Institutional health checks and AI strategy overview.

Overall Score

59 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

7.5

Risk Ctrl (30%)

30.0

Consistency (15%)

3.8

Cost Eff (15%)

15.0

Yield (10%)

2.5

Total Score 58.8

*Score is calculated using a weighted average of the fund's percentile rankings against peers.

Fund DNA X-Ray

How DNA is Scored

Return: 1-Year trailing return percentile vs category peers.
Risk Ctrl: Inverted volatility percentile. A higher score means it is safer than peers.
Consistency: % of positive returning months over 3 years.
Cost Eff: Expense ratio percentile. A higher score means it is cheaper than peers.
Yield: 7-Day annualized yield percentile.

*All dimensions map from 0 to 100. A larger, more balanced shape indicates a superior all-weather fund.

Hover chart to view raw metrics.

Health Checks

Clean Portfolio: Zero non-compliant or provisioned assets detected.
Underperforming: 1Y Return (0.00%) trails the category median (1.14%).
Volatile Path: Only 0 out of 36 months (0%) were positive over the last 3 years.
Cost Effective: Expense ratio (0.68%) is below the category median (2.50%).
Red Flag: Significant capital outflows detected (-84.2% drop in AUM).

AI Strategy X-Ray

The fund posted a month‑to‑date NAV return of –2.29 % against a benchmark gain of 4.74 %, underperforming due to its sizable allocation to GoP Ijara Sukuk as rising front‑end bond yields pressured sukuk prices. Its equity basket (20.72 % of assets) benefited from a strong KSE‑100 rebound of 6.7 % driven by improving sentiment after the IMF review and tentative Middle East de‑escalation, but sector selection and a relatively low equity beta limited the upside. Macro‑economic headwinds included accelerating headline inflation to 11.7 %, external account pressures, and a monetary‑policy tightening bias that lifted short‑term yields while leaving longer‑dated bonds relatively resilient. Overall, the fund’s capital‑protected structure delivered capital stability but lagged the benchmark in a month of mixed fixed‑income and equity dynamics.

Key Manager Actions

The fund increased its equity exposure to 20.72 % versus a benchmark weight of 12.71 %, reflecting an active tilt toward equities despite the capital‑protected mandate. Simultaneously, cash holdings were reduced to 0.35 % against a benchmark of 8.47 %, shifting liquidity into higher‑yielding sukuk and equities.
The GoP Ijara Sukuk component delivered a yield to maturity of 9.06 %, but rising front‑end yields caused mark‑to‑market losses that dragged the fixed‑income leg negative. Equity contributions were positive, supported by strong KSE‑100 gains and dividend‑rich stocks, yet insufficient to offset the bond‑price drag, resulting in a net –2.29 % MTD return.
Looking ahead, persistent inflation and a tightening monetary bias may keep sukuk yields elevated, while equity markets could remain supported by improving macro‑indicators and continued foreign‑domestic flow dynamics. The manager is likely to maintain a defensive equity bias and retain the sukuk core to preserve capital, awaiting clearer signs of rate‑peaking before adjusting duration.

Performance vs. Peers

Trailing absolute returns and consistency analysis.

Sleep Well Metric

Trailing Returns vs Benchmark

Top Tier Alternatives

Algorithmic recommendations based on Master Score and Category performance.

Portfolio X-Ray

Behavioral analysis, historical allocations, and conviction tracking.

AI Reading the Tea Leaves

The Asset River (12M History)

Market Timing Visualizer

Concentration Style

Top 10 Holdings Weight: --%

Broad/Index Aggressive Focus

Manager's Playbook (1M Delta)

Holdings DNA

Click a holding to view history

Risk & Quant Desk

Institutional engine diagnostics, crash testing, and momentum analysis.

The Magic Quadrant (Risk vs Return)

Plots the fund (Orange) against all peers (Gray) over a 1Y period. The dashed crosshairs represent the category average. The top-left quadrant represents high returns with low volatility.

AI Analyst Note

Engine Diagnostics

Internal structural metrics unique to this fund's macro class (Equity vs Debt).

Market Capture

Measures the fund's performance in bull (Up) vs bear (Down) markets. A ratio > 100% on the green side means it outpaces the market when it rises.

Trend & Momentum

RSI measures short-term momentum (overbought/oversold). SMA (Simple Moving Average) tracks medium-to-long term trends.

Yield & Income Stream

Payout reliability, capital preservation, and cashflow simulation.

Current Income Profile

Evaluates annualized yield vs category peers and checks if the underlying NAV is preserving its value while paying out.

Annualized Yield (7D)

--%

--

Income Health Checks

The "Truth" Chart: NAV vs Payouts

Shows historical dividend payouts alongside the fund's NAV. Beware of "Yield Traps" where the fund pays high dividends but the NAV line steadily bleeds downward over time.

Payout Consistency (3 Years)

Green = Payout Issued

--

Passive Income Simulator

If I Invest Today (PKR)

Estimated Monthly

Rs. 0

Estimated Yearly

Rs. 0

Based on current annualized 7D yield. Not guaranteed. Assumes constant rate.

Audit & Governance Desk

Fee drag simulation, operational security, and historical FMR vault.

The "Fee Drag" Wealth Simulator

Projects the impact of the fund's Expense Ratio on a Rs. 1,000,000 investment over 10 years, assuming a baseline 15% gross market return. The red area is wealth permanently lost to management fees.

Expense Ratio

--%

Front/Back Loads

--

10Y Wealth Lost to Fees

--

Total Assets Under Mgt

Rs. --

Million

--

Category Scale

Compares this fund's size against all other funds in the same category to gauge liquidity and popularity.

Category High Rs. --M

Category Avg Rs. --M

Category Low Rs. --M

Fund Manager

--

Independent Trustee

--

Holds the physical assets. Prevents the AMC from absconding with funds.

Auditor

--

Verifies NAV math and prevents internal accounting fraud.

Pricing Mechanism

--

Forward pricing executes your trade at the next calculated EOD price.

The Manager's Dossier

Leadership track record, portfolio empire, and turnover risk.

The FMR Time Machine

Historical Vault

Select a Report

Browse the timeline to view historical PDFs and AI Insights.

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