GULF UNION ALAHLIA
14.96   | 
SEERA
25.70   | 
LIVA
13.48   | 
Zamil Indust
43.20   | 
SHAKER
28.40   | 
NASEEJ
86.70   | 
Saudi Ceramics
30.55   | 
Astra Indust.
160   | 
MAADEN
51.30   | 
Al Baha
3.78   | 
BCI
28.35   | 
Alkhaleej Trng
25.95   | 
Saudi Enaya
10.18   | 
AMANA Insurance
8.87   | 
GACO
17.68   | 
Taiba
39.80   | 
Buruj
18.08   | 
YCC
21.06   | 
Arabian Shield
16.22   | 
SCC
8.07   | 
SARCo
66.90   | 
GO TELECOM
96.20   | 
Takween
8.30   | 
SISCO HOLDING
29.85   | 
Kingdom
8.84   | 
Wataniya
18   | 
NADEC
21.58   | 
SINAD HOLDING
11.12   | 
SAICO
15.56   | 
AYYAN
14.70   | 
Red Sea
42.80   | 
Bahri
31.50   | 
Jarir
12.50   | 
Bupa Arabia
178.80   | 
City Cement
19.24   | 
Najran Cement
8.45   | 
Tawuniya
143.60   | 
Trade Union
13.66   | 
Advanced
30.45   | 
SIDC
29   | 
ASLAK
23.98   | 
Emaar E .C
13.64   | 
YANSAB
30.85   | 
ALAKARIA
23.54   | 
NGC
21   | 
Fitaihi Group
3.95   | 
Saudi Re
49.90   | 
SAB
34.90   | 
ALJOUF
49.15   | 
AICC
12.34   | 
AL Babtain
48.50   | 
SAIC
28.40   | 
SRMG
152.60   | 
Almarai
52.60   | 
GASCO
80.50   | 
TECO
0.84   | 
BSF
17.56   | 
Sharqiya Dev Co
17.42   | 
SIB
14.96   | 
ACIG
13.26   | 
Sipchem
19.14   | 
SCC
145.40   | 
Aldrees
129.40   | 
SADAFCO
296   | 
Dallah Health
117   | 
Extra
90.20   | 
Mouwasat
76.70   | 
A.Othaim Market
8.36   | 
SPIMACO
26.90   | 
THIMAR
40.95   | 
SFICO
107.80   | 
SPM
67.50   | 
SABI QUANT ETF
46.35   | 
YAQEEN PETROCHEMICAL
23.20   | 
YAQEEN 30
50   | 
Jouf Cement
9.18   | 
TCC
11.82   | 
WAFRAH
30.65   | 
Tasnee
9.60   | 
ARDCO
33.10   | 
TADCO
11.80   | 
E.P.C.C.O
32.85   | 
Gulf General
7.25   | 
Southern Cement
30.80   | 
Walaa Insurance
19.10   | 
Maadaniyah
14.94   | 
KEC
15   | 
Petro Rabigh
6.99   | 
SABIC AGRI-NUTRIENTS
99   | 
ZAIN KSA
11   | 
Mubarrad
2.43   | 
FIPCo
37.25   | 
SPPC
11.52   | 
CATRION
121.60   | 
Herfy Foods
24.14   | 
H B
46.95   | 
TAPRCO
15.66   | 
Alinma
27.85   | 
GIG
25.75   | 
QACCO
51.50   | 
SALAMA
13.62   | 
Nama Chemicals
27.75   | 
Dar Al Arkan
20.42   | 
MESC
33.40   | 
Etihad Etisalat
58.50   | 
MCDC
104   | 
Alujain
39.45   | 
Budget Saudi
73.50   | 
Anaam Holding
16.70   | 
ALBILAD
27.05   | 
ACE
38   | 
Saudi Cement
42   | 
MUTAKAMELA
16.26   | 
APC
8.85   | 
RIBL
28.90   | 
BJAZ
13.28   | 
Sabic
60.30   | 
SVCP
32.55   | 
CHEMANOL
12   | 
STC
43.25   | 
Amiantit
22.74   | 
Jabal Omar
24.84   | 
SASCO
59.60   | 
Al Rajhi Takaful
123.80   | 
YC
36.55   | 
MEDGULF
21.10   | 
Saudi Electric
14.36   | 
UCA
7.58   | 
Saudi Kayan
5.46   | 
ZOUJAJ
43.50   | 
CENOMI RETAIL
17.18   | 
SSP
56.80   | 
SAPTCO
14.86   | 
Al Rajhi
97.80   | 
ACC
24.30   | 
ARNB
21.84   | 
Malath Insurance
13.94   | 
JAZADCO
11.68   | 
Sagr Insurance
13.46   | 
ARTEX
13.60   | 
Care
166.20   | 
SIIG
14.60   | 
SAVOLA Group
27.75   | 
SIECO
2.42   | 
Northern ement
8.56   | 
Jazira Takaful
13.90   | 
Farm Superstore
19.68   | 
SNB
35.50   | 
Bawan
52.90   | 
UACC
17.42   | 
BAAN
2.14   | 
Al Hammadi
39.55   | 
EIC
7.32   | 
SGS
49.75   | 
AlYAMAMAH STEEL
31.70   | 
LAZURDE
12.74   | 
OASIS
27.60   | 
AL MAATHER REIT
9.27   | 
SACO
32.20   | 
MULKIA REIT
4.96   | 
ALANDALUS
21.98   | 
Al Jazira REIT
14.60   | 
Taleem REIT
10.08   | 
Mepco
28.55   | 
RIYAD REIT
5.89   | 
JADWA REIT ALHARAMAIN
6.08   | 
Saudi German Hosptl
63.30   | 
MUSHARAKA REIT
4.49   | 
JADWA REIT SAUDI
10.28   | 
Al RAJHI REIT
8.36   | 
ALAHLI REIT 1
6.90   | 
LEEJAM SPORTS
128   | 
SICO SAUDI REIT
4.72   | 
DERAYAH REIT
5.55   | 
CENOMI CENTERS
19.96   | 
MAHARAH
5.44   | 
NBM
171   | 
Bonyan REIT
9.32   | 
MEFIC REIT
3.99   | 
Swicorp Wabel REIT
4.61   | 
ATAA
62.50   | 
MIS
136   | 
SEDCO CAPITAL REIT
6.94   | 
ALASEEL
4.17   | 
RAYDAN
16.34   | 
BINDAWOOD
6.35   | 
ABO MOATI
41   | 
ALOMRAN
31.45   | 
AmlakInternationalFinance
11.66   | 
SAUDI ARAMCO
26.15   | 
ALINMA SUKUK
10.50   | 
BAAZEEM
6.04   | 
ALBILAD GOLD
16.78   | 
NCLE
147.40   | 
ALBILAD SOVEREIGN SUKUK
8.28   | 
SULAIMAN ALHABIB
268   | 
ARAB SEA
5.75   | 
Al Kathiri
2.24   | 
ALKHABEER REIT
5.80   | 
AWPT
145.40   | 
WATANI STEEL
2.13   | 
ALNAQOOL
34.60   | 
Alkhabeer Income
6   | 
THEEB
66.10   | 
FESH FASH
11.70   | 
SADR
3.01   | 
SOLUTIONS
278.60   | 
ALHASOOB
50.80   | 
ALARABIA
125.20   | 
TADAWUL GROUP
179   | 
ALMUNAJEM
70.60   | 
MOBI INDUSTRY
13.48   | 
CMCER
6.94   | 
DWF
116.40   | 
AICTEC
3.04   | 
ACWA POWER
292.80   | 
GROUP FIVE
31.55   | 
NAYIFAT
12.82   | 
TANMIAH
102.80   | 
AME
115.80   | 
ALWASAIL
3.33   | 
ALJOUF WATER
1.79   | 
OBEKAN
32.90   | 
SHL
20.18   | 
ALKHABEER GROWTH AND INCOME
9.08   | 
GAS
15.78   | 
FADECO
72.20   | 
DMSCO
80.10   | 
AMWAJ INTERNATIONAL
40   | 
EQUIPMENT HOUSE
39.90   | 
SPC
47.70   | 
AZM
30.50   | 
NASEEJ TECH
55.90   | 
EAST PIPES
129.40   | 
AQASEEM
8   | 
TADWEEER
7.90   | 
TIBBIYAH
31.90   | 
ALBILAD US
11.86   | 
AMAK
58.40   | 
ELM
1057.80   | 
NAHDI
122.20   | 
EDARAT
530   | 
FUTURE CARE
3.73   | 
MARAFIQ
42.20   | 
ACADEMY OF LEARNING
9.19   | 
ALAMAR
65.20   | 
NAQI
55.20   | 
Al Rajhi Sukuk T1
100.30   | 
RETAL
15.72   | 
ALBABTAIN FOOD
37.20   | 
RIYADH CABLES
137.80   | 
SAUDI TOP
7.92   | 
APICO
57.70   | 
ALSAIF GALLERY
7.15   | 
RAWASI
4   | 
ARABIAN DRILLING
84.20   | 
LUBEREF
101   | 
NETWORKERS
67.40   | 
NABA ALSAHA
67.20   | 
NOFOTH
23.56   | 
AMERICANA Foreign Compan
2.24   | 
ALDAWLIAH
6.45   | 
ALQEMAM
99.90   | 
BALADY
190.60   | 
KNOWLEDGE TOWER
16.60   | 
ALINMA HOSPITALITY REIT
8.21   | 
SURE
85.90   | 
2P
11.34   | 
LADUN
3.47   | 
ALBILAD US TECH
18.52   | 
ALMAWARID
141.60   | 
HORIZON FOOD
33.45   | 
UNITED MINING
38   | 
IOUD
42.25   | 
MULKIA
43.05   | 
ALRAZI
42.20   | 
DAR ALMARKABAH
2.79   | 
SUMOU
42.95   | 
TAM DEVELOPMENT
167.20   | 
ALRASHID INDUSTRIAL
46.10   | 
SAL
178.80   | 
RIYADH CEMENT
32.30   | 
ALASHGHAL ALMOYSRA
55.80   | 
ALBILAD SAUDI GROWTH
8.97   | 
ALMODAWAT
17.84   | 
Saudi German Health Sukuk
102   | 
TAQAT
11.90   | 
MUNAWLA
56.50   | 
WAJA
7.36   | 
JAMJOOM PHARMA
180   | 
FAD
85   | 
MIRAL
113.20   | 
ENTAJ
50.70   | 
FIRST MILLS
57.30   | 
SHALFA
75   | 
ASG
56.90   | 
ARMAH
87.80   | 
TMC
22   | 
DERAYAH
28.70   | 
MARBLE DESIGN
68.90   | 
NAAS PETROL
58   | 
FOURTH MILLING
3.89   | 
RATIO
9.97   | 
ALMUNEEF CO.
6.42   | 
MASAR
25.05   | 
PURITY
19.98   | 
Knowledgenet
33   | 
FOODS GATE
60   | 
FIRST AVENUE
8.54   | 
ALRASHEED
112   | 
ALKHABEER INCOME 2030
7.66   | 
MIAHONA
24.86   | 
FAKEEH CARE
46.50   | 
THARWAH
46   | 
TALCO
46.55   | 
HORIZON EDUCATIONAL
75.10   | 
ALMAJED OUD
136.80   | 
MUFEED
58.80   | 
RIYADH STEEL
1.91   | 
WSM
36   | 
JANA
16.60   | 
ALFAKHERA
5.80   | 
QOMEL
55   | 
YAQEEN
11.62   | 
ARABICA STAR
58.90   | 
AVALON PHARMA
126.80   | 
PAPER HOME
140   | 
KSA SUKUK 2024-04-12
102.16   | 
KSA SUKUK 2024-04-07
101.23   | 
ALISTITHMAR REIT
8.85   | 
BANAN
4.86   | 
SAB HK
11.30   | 
ALBILAD HONGKONG CHINA
10.64   | 
BURGERIZZR
17.08   | 
JAHEZ
26.80   | 
YAQEEN ESG
9.87   | 
NEFT ALSHARQ
4.19   | 
KSA Sukuk 2024-01-15
96.75   | 
TASHEEL
176.40   | 
SAMA WATER
2.90   | 
VIEW
6.86   | 
SMC
13.28   | 
ALMOOSA
162.40   | 
NICE ONE
36.20   | 
ALBATTAL FACTORY
50   | 
SEDCO MULTI ASSET
6.09   | 
QUARA
18.40   | 
ARABIAN MILLS
44.95   | 
SMASCO
7.01   | 
RASAN
85.50   | 
MULTI BUSINESS
16.62   | 
LUMI
67   | 
ALMOHAFAZA FOR EDUCATION
24   | 
LEAF
98   | 
ATLAS ELEVATORS
19.12   | 
MRNA
11.06   | 
Sukuk Rawasi Albina Inv 1
106.20   | 
SERVICE EQUIPMENT
67   | 
FUTURE VISION
6.36   | 
MAYAR
2.85   | 
MEYAR
59.10   | 
ALMUJTAMA MEDICAL
32   | 
SMILE CARE
5.74   | 
LAMASAT
6.86   | 
MBC Group
43.65   | 
OSOOL AND BAKHEET
32   | 
Sukuk AlKathiri 1
100.86   | 
UFG
41.30   | 
ADES
14.68   | 
RAOOM
69.50   | 
LIME INDUSTRIES
12.10   | 
ITMAM
17.78   | 
HKC
41.50   | 
TAMKEEN
57.40   | 
MODERN MILLS
37.20   | 

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