UBL Special Savings Plan X - UBL AMC
Score Breakdown
Total AUM
Rs. 978M
Expense Ratio
1.90%
Category Rank
#2 of 2
Live NAV
February 01, 2026
Interactive Performance
Executive Summary
Institutional health checks and AI strategy overview.
Overall Score
Score Calculation Breakdown
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.
Hover chart to view raw metrics.
Health Checks
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Clean Portfolio: Zero non-compliant or provisioned assets detected.
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Underperforming: 1Y Return (6.18%) trails the category median (6.21%).
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High Consistency: 34 out of 36 months (94%) were positive over the last 3 years.
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Cost Effective: Expense ratio (1.90%) is below the category median (1.90%).
AI Strategy X-Ray
Key Manager Actions
- The fund trimmed its cash position to 6.6% and increased exposure to PIB floaters, shifting roughly 2% of assets from fixed‑rate to floating‑rate instruments to benefit from the recent yield curve steepening.
- Yield generation improved, with the fund's annualized return of 6.54% surpassing the benchmark's 6.74% despite a broader market pull‑back, reflecting the advantage of high‑yielding sovereign debt in a rising‑rate environment.
- Looking ahead, the manager expects continued yield stability as the SBP holds policy rates, but remains vigilant to geopolitical shocks that could reignite inflation and pressure sovereign spreads, suggesting a cautious yet steady allocation to floating‑rate PIBs.
Performance vs. Peers
Trailing absolute returns and consistency analysis.
Category Ranking
out of -- funds in
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Sleep Well Metric
Best Run
-- mo
Worst Drop
--
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.
Clean Portfolio
Zero non-compliant toxic assets detected.
Toxic Debt Warning
AI Reading the Tea Leaves
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The Asset River (12M History)
Market Timing VisualizerConcentration Style
Top 10 Holdings Weight: --%
Manager's Playbook (1M Delta)
Top Accumulations
Top Trims / Exits
Holdings DNA
Click a holding to view historyRisk & Quant Desk
Institutional engine diagnostics, crash testing, and momentum analysis.
The Magic Quadrant (Risk vs Return)
AI Analyst Note
Engine Diagnostics
Market Capture
Downside
--%
100% Base
Upside
--%
--
Trend & Momentum
Yield & Income Stream
Payout reliability, capital preservation, and cashflow simulation.
Capital Growth Focus
This fund does not distribute regular cash payouts or yields. It is structured to reinvest earnings for long-term capital appreciation (Growth).
Current Income Profile
Annualized Yield (7D)
Income Health Checks
The "Truth" Chart: NAV vs Payouts
Payout Consistency (3 Years)
Green = Payout Issued--
Passive Income Simulator
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
Expense Ratio
--%
Front/Back Loads
--
10Y Wealth Lost to Fees
--
Total Assets Under Mgt
Million
Category Scale
Fund Manager
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Independent Trustee
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Auditor
--
Pricing Mechanism
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The Manager's Dossier
Leadership track record, portfolio empire, and turnover risk.
Identity Not Disclosed
The AMC has not publicly disclosed the individual fund manager for this asset.
Lead Portfolio Manager
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Institutional Vetting
Active Funds
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Empire AUM
Rs. --M
Skill Score
The FMR Time Machine
Historical VaultSelect a Report
Browse the timeline to view historical PDFs and AI Insights.
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