GULF UNION ALAHLIA
12.40   | 
SEERA
25.42   | 
LIVA
13   | 
Zamil Indust
39.02   | 
SHAKER
27.42   | 
NASEEJ
105.30   | 
Saudi Ceramics
30.26   | 
Astra Indust.
149.70   | 
MAADEN
53.40   | 
SAUDI DARB
3.12   | 
BCI
27.12   | 
Alkhaleej Trng
22.30   | 
Saudi Enaya
9.34   | 
AMANA Insurance
7.85   | 
GACO
15.86   | 
Taiba
36.92   | 
Buruj
16.89   | 
YCC
16.34   | 
Arabian Shield
13.68   | 
SCC
7.06   | 
SARCo
56.95   | 
GO TELECOM
103.50   | 
Takween
7.57   | 
SISCO HOLDING
35.40   | 
Kingdom
8.02   | 
Wataniya
15.15   | 
NADEC
21.22   | 
SINAD HOLDING
10.23   | 
SAICO
13.98   | 
AYYAN
12.37   | 
Red Sea
45.88   | 
Bahri
21.69   | 
Jarir
12.53   | 
Bupa Arabia
155.20   | 
City Cement
16.11   | 
Najran Cement
7.96   | 
Tawuniya
124.90   | 
Trade Union
11.15   | 
Advanced
32.38   | 
SIDC
32.90   | 
ASLAK
22.25   | 
Emaar E .C
12.15   | 
YANSAB
31.82   | 
ALAKARIA
17.68   | 
NGC
19.72   | 
Fitaihi Group
3.19   | 
Saudi Re
48.20   | 
SAB
31.96   | 
ALJOUF
43.30   | 
AICC
10.84   | 
AL Babtain
56.70   | 
SAIC
23.61   | 
SRMG
175.20   | 
Almarai
46.64   | 
GASCO
74.95   | 
TECO
0.97   | 
BSF
16.84   | 
Sharqiya Dev Co
16.33   | 
SIB
13.80   | 
ACIG
10.93   | 
Sipchem
17.83   | 
SCC
150.90   | 
Aldrees
123.50   | 
SADAFCO
266   | 
Dallah Health
132.10   | 
Extra
88.55   | 
Mouwasat
74.95   | 
A.Othaim Market
7.40   | 
SPIMACO
26.16   | 
THIMAR
40.04   | 
SFICO
88.45   | 
SPM
55.05   | 
SABI QUANT ETF
44.10   | 
YAQEEN PETROCHEMICAL
24.60   | 
YAQEEN 30
46.74   | 
Jouf Cement
6.65   | 
TCC
10.46   | 
WAFRAH
26.04   | 
Tasnee
9.99   | 
ARDCO
32.60   | 
TADCO
10.05   | 
E.P.C.C.O
27.04   | 
Gulf General
4.91   | 
Southern Cement
26.06   | 
Walaa Insurance
12.45   | 
Maadaniyah
15.89   | 
KEC
12.41   | 
Petro Rabigh
7.04   | 
SABIC AGRI-NUTRIENTS
119.10   | 
ZAIN KSA
10.64   | 
Mubarrad
2.25   | 
FIPCo
32   | 
SPPC
12.66   | 
CATRION
105.50   | 
Herfy Foods
22.48   | 
H B
43.84   | 
TAPRCO
15.84   | 
Alinma
25.42   | 
GIG
24.27   | 
QACCO
43.52   | 
SALAMA
12.32   | 
Nama Chemicals
26.08   | 
Dar Al Arkan
18.30   | 
MESC
33.64   | 
Etihad Etisalat
64.45   | 
MCDC
76.70   | 
Alujain
36.24   | 
Budget Saudi
70   | 
Anaam Holding
15.22   | 
ALBILAD
25.24   | 
ACE
32.60   | 
Saudi Cement
39.08   | 
MUTAKAMELA
14.51   | 
APC
5.50   | 
RIBL
26.72   | 
BJAZ
12.33   | 
Sabic
57.30   | 
SVCP
27.40   | 
CHEMANOL
10.35   | 
STC
42.62   | 
Amiantit
20.25   | 
Jabal Omar
18.29   | 
SASCO
53.10   | 
Al Rajhi Takaful
118.50   | 
YC
33   | 
MEDGULF
16.70   | 
Saudi Electric
14.48   | 
UCA
5.40   | 
Saudi Kayan
4.81   | 
ZOUJAJ
41.10   | 
CENOMI RETAIL
25.50   | 
SSP
51.20   | 
SAPTCO
13.40   | 
Al Rajhi
94.05   | 
ACC
21.99   | 
ARNB
21.65   | 
Malath Insurance
13.30   | 
JAZADCO
10.72   | 
Sagr Insurance
14.15   | 
ARTEX
12.40   | 
Care
173.80   | 
SIIG
18.18   | 
SAVOLA Group
24.43   | 
SIECO
2.10   | 
Northern ement
7.78   | 
Jazira Takaful
12.44   | 
Farm Superstore
16.19   | 
SNB
36   | 
Bawan
58.60   | 
UACC
15   | 
BAAN
2.28   | 
Al Hammadi
33.98   | 
EIC
9.64   | 
SGS
46.54   | 
AlYAMAMAH STEEL
33.14   | 
LAZURDE
12.44   | 
OASIS
25   | 
AL MAATHER REIT
9.31   | 
SACO
28.84   | 
MULKIA REIT
4.62   | 
ALANDALUS
18.35   | 
Al Jazira REIT
13.36   | 
Taleem REIT
9.59   | 
Mepco
28.10   | 
RIYAD REIT
5.22   | 
JADWA REIT ALHARAMAIN
5.20   | 
Saudi German Hosptl
57.40   | 
MUSHARAKA REIT
4.22   | 
JADWA REIT SAUDI
10.22   | 
Al RAJHI REIT
8.16   | 
ALAHLI REIT 1
6.91   | 
LEEJAM SPORTS
146.80   | 
SICO SAUDI REIT
4.25   | 
DERAYAH REIT
5.56   | 
CENOMI CENTERS
20.42   | 
Ministry of Finance GS Al Istithmar 4.64 Apr49
94   | 
MAHARAH
4.76   | 
NBM
140   | 
Bonyan REIT
9.16   | 
MEFIC REIT
3.66   | 
Swicorp Wabel REIT
4.49   | 
ATAA
62.90   | 
MIS
131.60   | 
SEDCO CAPITAL REIT
6.57   | 
ALASEEL
3.70   | 
RAYDAN
13.30   | 
Ministry of Finance GS Al Istithmar 3.1 Jul35
84.25   | 
BINDAWOOD
5.61   | 
ABO MOATI
40.84   | 
ALOMRAN
26.54   | 
AmlakInternationalFinance
12.78   | 
SAUDI ARAMCO
23.99   | 
ALINMA SUKUK
10.36   | 
BAAZEEM
5.70   | 
ALBILAD GOLD
17.59   | 
NCLE
162.70   | 
ALBILAD SOVEREIGN SUKUK
8.39   | 
SULAIMAN ALHABIB
253   | 
ARAB SEA
5.22   | 
Al Kathiri
2.17   | 
ALKHABEER REIT
5.67   | 
AWPT
127.40   | 
WATANI STEEL
2.05   | 
NGDC
36   | 
ALNAQOOL
50   | 
Alkhabeer Income
5.78   | 
THEEB
62.40   | 
FESH FASH
11.20   | 
SADR
2.87   | 
SOLUTIONS
242.40   | 
ALHASOOB
46   | 
ALARABIA
87.65   | 
TADAWUL GROUP
166.70   | 
ALMUNAJEM
58.25   | 
MOBI INDUSTRY
11.80   | 
CMCER
6.70   | 
DWF
101.70   | 
AICTEC
2.70   | 
ACWA POWER
227.90   | 
GROUP FIVE
38.96   | 
NAYIFAT
12.43   | 
TANMIAH
81.45   | 
ALWASAIL
3.41   | 
ALJOUF WATER
1.72   | 
SHL
22.42   | 
ALKHABEER GROWTH AND INCOME
9.62   | 
GAS
17.81   | 
FADECO
66.50   | 
DMSCO
66.10   | 
AMWAJ INTERNATIONAL
33.16   | 
EQUIPMENT HOUSE
35.74   | 
NASEEJ TECH
48   | 
EAST PIPES
107.20   | 
TADWEEER
7.37   | 
TIBBIYAH
35   | 
ALBILAD US
12.62   | 
AMAK
64.50   | 
ELM
887.50   | 
NAHDI
115.40   | 
EDARAT
217   | 
FUTURE CARE
2.70   | 
MARAFIQ
40.04   | 
ACADEMY OF LEARNING
9.89   | 
ALAMAR
51.30   | 
NAQI
51.40   | 
Al Rajhi Sukuk T1
100.79   | 
RETAL
12.76   | 
ALBABTAIN FOOD
36.30   | 
RIYADH CABLES
136.20   | 
SAUDI TOP
7.74   | 
APICO
44.30   | 
ALSAIF GALLERY
6.98   | 
RAWASI
3.85   | 
ARABIAN DRILLING
73.55   | 
LUBEREF
86   | 
NETWORKERS
64.90   | 
NABA ALSAHA
63.90   | 
NOFOTH
12.45   | 
AMERICANA Foreign Compan
2.09   | 
ALWAHA REIT
11   | 
ALDAWLIAH
5.98   | 
ALQEMAM
72.95   | 
LEEN ALKHAIR
16.99   | 
BALADY
134.50   | 
KNOWLEDGE TOWER
14.51   | 
ALINMA HOSPITALITY REIT
8.12   | 
MOLAN
2.04   | 
SURE
79.70   | 
2P
10.29   | 
LADUN
3.13   | 
ALBILAD US TECH
21.61   | 
ALMAWARID
127.80   | 
UNITED MINING
36.04   | 
IOUD
37.52   | 
PRO MEDEX
81   | 
MULKIA
39.20   | 
ALRAZI
41   | 
DAR ALMARKABAH
2.75   | 
SUMOU
37.80   | 
TAM DEVELOPMENT
109.90   | 
ALRASHID INDUSTRIAL
49   | 
SAL
172.30   | 
RIYADH CEMENT
29.94   | 
ALASHGHAL ALMOYSRA
62.45   | 
ALBILAD SAUDI GROWTH
8.69   | 
ALMODAWAT
17.59   | 
Saudi German Health Sukuk
101.60   | 
TAQAT
13.29   | 
MUNAWLA
44.42   | 
WAJA
7.49   | 
JAMJOOM PHARMA
161.90   | 
FAD
80   | 
MIRAL
121.80   | 
ENTAJ
40.52   | 
AXELERATED SOLUTIONS
26.86   | 
Sukuk Aqaseem Factory 1
104.50   | 
DKHOUN
75.60   | 
FIRST MILLS
53.10   | 
SHALFA
62   | 
ASG
51.05   | 
ASAS MAKEEN
108.50   | 
ARMAH
77   | 
TMC
17.54   | 
DERAYAH
25.86   | 
ADEER
101.60   | 
MARBLE DESIGN
7.48   | 
TIME
77.60   | 
SMC HEALTHCARE
20.02   | 
FOURTH MILLING
4.05   | 
RATIO
9.15   | 
ALMUNEEF CO.
6.05   | 
MASAR
22.76   | 
SPORT CLUBS
11.66   | 
PURITY
21.40   | 
ALSHEHILI METAL
58.40   | 
Knowledgenet
29   | 
FOODS GATE
37   | 
FIRST AVENUE
8.09   | 
ALRASHEED
122   | 
ALKHABEER INCOME 2030
7.94   | 
MIAHONA
25.24   | 
FAKEEH CARE
39.38   | 
THARWAH
34.94   | 
TALCO
41.50   | 
HORIZON EDUCATIONAL
69   | 
ALMAJED OUD
122.20   | 
MUFEED
48   | 
RIYADH STEEL
1.84   | 
WSM
41.50   | 
JANA
15.16   | 
ALFAKHERA
5.46   | 
QOMEL
49.72   | 
YAQEEN
10.39   | 
ARABICA STAR
48.88   | 
AVALON PHARMA
122.90   | 
PAPER HOME
44.10   | 
KSA SUKUK 2024-04-12
103.57   | 
ALISTITHMAR REIT
7.62   | 
BANAN
4.77   | 
SAB HK
12.45   | 
ALBILAD HONGKONG CHINA
12.48   | 
BURGERIZZR
16.16   | 
DRC
47.28   | 
JAHEZ
23.20   | 
BALSM MEDICAL
64.20   | 
YAQEEN ESG
10.24   | 
NEFT ALSHARQ
4.04   | 
KSA Sukuk 2024-01-15
98   | 
TASHEEL
155.70   | 
SAMA WATER
2.29   | 
VIEW
6.24   | 
SMC
16   | 
ALMOOSA
174.90   | 
NICE ONE
24.07   | 
ALBATTAL FACTORY
38   | 
PAN GULF
20.20   | 
SEDCO MULTI ASSET
6.29   | 
QUARA
17.48   | 
LANA
34   | 
ARABIAN MILLS
41.88   | 
SMASCO
5.82   | 
RASAN
94.70   | 
MULTI BUSINESS
16   | 
LUMI
59.15   | 
ALMOHAFAZA FOR EDUCATION
24   | 
LEAF
76.50   | 
KSA Sukuk 2024-01-10
99.66   | 
MRNA
11.12   | 
Sukuk Rawasi Albina Inv 1
107   | 
OBEIKAN GLASS
31.06   | 
AZM
26.18   | 
SERVICE EQUIPMENT
64   | 
FUTURE VISION
7   | 
FLYNAS
77.95   | 
HAWYIA
12.34   | 
ANMAT
13.12   | 
NAF
76   | 
GHIDA ALSULTAN
34.32   | 
ALMUJTAMA MEDICAL
31.62   | 
SMILE CARE
5.09   | 
LAMASAT
5.95   | 
CLEAN LIFE
105   | 
RIYAL
18.60   | 
MBC Group
29.44   | 
OSOOL AND BAKHEET
32.10   | 
Sukuk AlKathiri 1
101.50   | 
UCIC
30   | 
ALKUZAMA
79.65   | 
ADES
14.86   | 
RAOOM
57.30   | 
LIME INDUSTRIES
12.24   | 
ITMAM
17   | 
HKC
42.50   | 
TAMKEEN
56.55   | 
MODERN MILLS
31.02   | 

Alistithmar Capital

Investor's Awareness

There are only two ways to make money :

  • By working and/or
  • By having your assets work for you.

One of the most compelling reasons for you to invest is the prospect of not having to work your entire life!

If you keep your money in your bank account instead of investing it, your money doesn’t work for you and you will never have more money than what you save.

By investing your money, you are getting your money to generate more money by earning interest on what you put away or by buying and selling assets that increase in value.

Whether your goal is to send your kids to college, buy a home, or to retire comfortably, investing is essential to getting you where you want to be.

Whether you invest in stocks, bonds, mutual funds, options and futures, precious metals, real estate, your own small business , or any combination thereof, the objectives are the same :

  1. Preserve your wealth
  2. Grow your wealth
  3. Generate additional income

Speculation vs. Investing vs. Saving

For your convenience, you can access your account, view reports, update your information, submit transactions, and transfer money from your investment account to your bank account through the following channels:

Saving: Putting your money in a saving account or cash deposits. Returns from savings are usually what the bank pays you before lending your money to someone else; so your returns must be less than what the bank charges for a loan.

Investing: Putting your money into listed stocks, properties, or your business with the expectation to receive profits or sell these assets for a higher price.

Speculation: Seeking to make abnormally high returns from bets that can go one way or the other. Those, speculators only trade on assets with high volatility (Risk).

Goals
Short-term: (3 years or less) For example: vacations, emergency money, car, etc.)
Long-term: (3 years or more) For example: retirement, buying a home, kids college education, etc.
Very short-term: (90 days or less) Buying and selling to achieve capital gain
Liquidity
High
Low
High
Risk
Low
Medium – High
Extremely High
Return
Interest
Interest, Profit, Capital gain
Capital gain
Asset Class
Cash
Equity, Fixed Income, Real Estate, etc.
High volatile assets

Risk and Return

The main two factors you should be aware of when deciding whether to save, invest, or speculate are Risk and Return.

Risk: the chance that an investment’s actual return will be different from expected. Therefore, Investment Risk is a person’s inability to pinpoint the outcome of an investment, regardless if positive or negative.

Risk: the chance that an investment’s actual return will be different from expected. Therefore, Investment Risk is a person’s inability to pinpoint the outcome of an investment, regardless if positive or negative.
There are many types of Investment Risks, but the most common type that many people tend to overlook is “Concentration Risk”. Concentration Risk is putting your money in one asset class or few securities.

Return: the return from the investment that could be positive (profit) or negative (loss). There are 3 determinants of a portfolio’s return:

  1. Asset Allocation: diversifying your money among different asset classes and securities
  2. Security Selection: Seeking under-priced asset and hope its market price will go up to its intrinsic value before selling it for higher price
  3. Market Timing: Trying to predict the best time to buy or sell an asset.

The Asset Allocation method has proven to be the best method with 94% success rate.

Mutual Funds

A mutual fund is a collection of stocks and/or bonds that is funded by investors (like you) with clear strategy and is professionally managed.

Mutual funds offer small investors (< SAR 20 million) the ability to hire a professional fund manager with a very small fee (usually < 2% per year)

Almost every fund manager in Saudi offers mutual funds with similar strategies.

However, an investor should be aware that there are mutual funds that are conventional or Shariah compliant. Even thou they invest in the same market, however, their Benchmarks and or strategies are different.

An investor should invest in a mutual fund that fits with his strategy and preference.

Evaluate Performance

Many investors, when assessing performance, make common mistakes by using “Absolute Performance” rather than “Relative Performance”.

Absolute Performance: seeking positive return regardless of benchmark return. For example, an investor expects 10% return regardless if market is up or down. This could pressure your fund manager to take extra risk in order to deliver positive returns.

Relative Performance: seeking reasonable return above benchmark’s return. For example, an investor expects 3% return above benchmark.

If benchmark return is 10%, investor expects 13%;
If benchmark’s return is -10%, investor expects -7% returns.

Investor should always base their decision when assessing mutual fund or fund manager’s performance on the Relative Performance.

Benchmark

A benchmark is a standard against which the performance of a security, mutual funds, or a fund manager can be measured.

Therefore, if you want to know if a mutual fund is performing well or not, compare its long-term performance (3 years or more) with the benchmark performance.

If you want to compare the performance of 2 or more mutual funds, make sure they have the same benchmark and strategy. For example:

  • You should not compare 2 mutual funds invest in Tadawul, but one is sharia compliant and the other is conventional (two different benchmarks)
  • You should not compare 2 conventional mutual funds invest in Tadawul, but one has growth strategy and the other is income strategy (two different strategies)

Benchmarks are an amazing tool to evaluate performance ; however, you should also consider the risk factor. You can have a mutual fund outperforming a benchmark, but with higher risks or vice versa.

Investing is a continuous process that starts from setting up an investment strategy, execution, monitor and assess your performance. 

Discuss your Goals:

Define your long term goals (retirement lifestyle, kids’ college, kids’ homes, inheritance, etc.)

Determine your annual income and expenses (cash flow)

Assess your Current Portfolio:

Guided by your risk appetite and your goals, explore the mix of asset classes that are right for you

Strategic Asset Allocation is defined

Implement Strategic Actions:

After analyzing your existing portfolio, convert your current portfolio to match your strategic asset allocation

Pick the asset classes that fits your strategy

Pick the markets (international, regional, or local) that you prefer to invest in

Pick the securities that supports your strategy

Manage:

Review your portfolio every 3-6 months and make “tactical” adjustments to benefit from market fluctuations and economic conditions

Adjust your strategy frequently as your goals are changing