GULF UNION ALAHLIA
14.10   | 
SEERA
24.20   | 
LIVA
13.52   | 
Zamil Indust
42.50   | 
SHAKER
26.95   | 
NASEEJ
82.70   | 
Saudi Ceramics
28.80   | 
Astra Indust.
149.20   | 
MAADEN
50.70   | 
Al Baha
3.86   | 
BCI
27.95   | 
Alkhaleej Trng
27.60   | 
Saudi Enaya
9.97   | 
AMANA Insurance
8.92   | 
GACO
17.02   | 
Taiba
43.25   | 
Buruj
18   | 
YCC
20.84   | 
Arabian Shield
16.44   | 
SCC
8.97   | 
SARCo
58.90   | 
GO TELECOM
95   | 
Takween
8.40   | 
SISCO HOLDING
29.10   | 
Kingdom
8.62   | 
Wataniya
18.46   | 
NADEC
21.20   | 
SINAD HOLDING
11.64   | 
SAICO
15.24   | 
AYYAN
14.98   | 
Red Sea
42   | 
Bahri
29.90   | 
Jarir
12.38   | 
Bupa Arabia
178.20   | 
City Cement
19.40   | 
Najran Cement
8.25   | 
Tawuniya
140.80   | 
Trade Union
13.68   | 
Advanced
30.55   | 
SIDC
29.30   | 
ASLAK
23.90   | 
Emaar E .C
13.58   | 
YANSAB
30.65   | 
ALAKARIA
22.28   | 
NGC
20.20   | 
Fitaihi Group
4.02   | 
Saudi Re
50.70   | 
SAB
34.50   | 
ALJOUF
47.10   | 
AICC
12.22   | 
AL Babtain
47.40   | 
SAIC
28.10   | 
SRMG
155   | 
Almarai
51.50   | 
GASCO
81.20   | 
TECO
0.84   | 
BSF
17.84   | 
Sharqiya Dev Co
17.52   | 
SIB
14.88   | 
ACIG
13.14   | 
Sipchem
18.02   | 
SCC
136.40   | 
Aldrees
126.40   | 
SADAFCO
295   | 
Dallah Health
118.60   | 
Extra
90.90   | 
Mouwasat
76.40   | 
A.Othaim Market
8.66   | 
SPIMACO
25.80   | 
THIMAR
42.15   | 
SFICO
106.60   | 
SPM
66.90   | 
SABI QUANT ETF
46   | 
YAQEEN PETROCHEMICAL
23.74   | 
YAQEEN 30
48.70   | 
Jouf Cement
9.20   | 
TCC
11.78   | 
WAFRAH
30.35   | 
Tasnee
9.31   | 
ARDCO
32.50   | 
TADCO
11.50   | 
E.P.C.C.O
32.80   | 
Gulf General
7.76   | 
Southern Cement
31.20   | 
Walaa Insurance
18.80   | 
Maadaniyah
14.72   | 
KEC
15.58   | 
Petro Rabigh
6.84   | 
SABIC AGRI-NUTRIENTS
96.90   | 
ZAIN KSA
11.08   | 
Mubarrad
2.22   | 
FIPCo
37   | 
SPPC
12.08   | 
CATRION
120.20   | 
Herfy Foods
25.10   | 
H B
47.35   | 
TAPRCO
16.02   | 
Alinma
28.20   | 
GIG
25.75   | 
QACCO
52.80   | 
SALAMA
12.92   | 
Nama Chemicals
27.45   | 
Dar Al Arkan
21.12   | 
MESC
36   | 
Etihad Etisalat
58.40   | 
MCDC
110   | 
Alujain
38   | 
Budget Saudi
72.80   | 
Anaam Holding
16.50   | 
ALBILAD
27.60   | 
ACE
39.90   | 
Saudi Cement
41.90   | 
MUTAKAMELA
15.62   | 
APC
8.90   | 
RIBL
29.10   | 
BJAZ
13.22   | 
Sabic
58.80   | 
SVCP
32.40   | 
CHEMANOL
12.10   | 
STC
45.50   | 
Amiantit
22.22   | 
Jabal Omar
25.15   | 
SASCO
58.20   | 
Al Rajhi Takaful
123.40   | 
YC
35.45   | 
MEDGULF
21.58   | 
Saudi Electric
14.88   | 
UCA
8.06   | 
Saudi Kayan
5.41   | 
ZOUJAJ
42.65   | 
CENOMI RETAIL
16   | 
SSP
54.30   | 
SAPTCO
15.60   | 
Al Rajhi
96.50   | 
ACC
23.92   | 
ARNB
21.66   | 
Malath Insurance
13.76   | 
JAZADCO
11.46   | 
Sagr Insurance
12.80   | 
ARTEX
12.72   | 
Care
142   | 
SIIG
14.40   | 
SAVOLA Group
28.10   | 
SIECO
2.33   | 
Northern ement
8.36   | 
Jazira Takaful
13.58   | 
Farm Superstore
19.60   | 
SNB
35.15   | 
Bawan
50.50   | 
UACC
17.24   | 
BAAN
2.12   | 
Al Hammadi
38.70   | 
EIC
7.06   | 
SGS
49   | 
AlYAMAMAH STEEL
33.10   | 
LAZURDE
12.78   | 
OASIS
27.05   | 
AL MAATHER REIT
9.20   | 
SACO
30.95   | 
MULKIA REIT
4.93   | 
ALANDALUS
20.84   | 
Al Jazira REIT
14.50   | 
Taleem REIT
10.12   | 
Mepco
26.35   | 
RIYAD REIT
5.86   | 
JADWA REIT ALHARAMAIN
6.08   | 
Saudi German Hosptl
64.40   | 
MUSHARAKA REIT
4.40   | 
JADWA REIT SAUDI
10.26   | 
Al RAJHI REIT
8.40   | 
ALAHLI REIT 1
6.92   | 
LEEJAM SPORTS
124.80   | 
SICO SAUDI REIT
4.13   | 
DERAYAH REIT
5.56   | 
CENOMI CENTERS
20.06   | 
MAHARAH
5.67   | 
NBM
166.60   | 
Bonyan REIT
9.33   | 
MEFIC REIT
3.87   | 
Swicorp Wabel REIT
4.65   | 
ATAA
62.30   | 
MIS
132   | 
SEDCO CAPITAL REIT
6.91   | 
ALASEEL
3.96   | 
RAYDAN
17.06   | 
BINDAWOOD
6.18   | 
ABO MOATI
40.45   | 
ALOMRAN
32.45   | 
AmlakInternationalFinance
12   | 
SAUDI ARAMCO
24.84   | 
ALINMA SUKUK
10.50   | 
BAAZEEM
5.98   | 
ALBILAD GOLD
17.66   | 
NCLE
150.20   | 
ALBILAD SOVEREIGN SUKUK
8.31   | 
SULAIMAN ALHABIB
269.40   | 
ARAB SEA
5.78   | 
Al Kathiri
2.20   | 
ALKHABEER REIT
5.88   | 
AWPT
158.20   | 
WATANI STEEL
2.06   | 
NGDC
41   | 
ALNAQOOL
35.05   | 
Alkhabeer Income
5.97   | 
THEEB
65.20   | 
FESH FASH
11.56   | 
SADR
2.94   | 
SOLUTIONS
274.20   | 
ENMA ALRAWABI
24   | 
ALARABIA
133   | 
TADAWUL GROUP
178.60   | 
ALMUNAJEM
77   | 
MOBI INDUSTRY
14   | 
CMCER
6.33   | 
DWF
112.40   | 
ACWA POWER
299.40   | 
GROUP FIVE
31   | 
NAYIFAT
12.30   | 
TANMIAH
105.80   | 
AME
118   | 
ALWASAIL
3.03   | 
ALJOUF WATER
1.70   | 
OBEKAN
31.30   | 
SHL
18.30   | 
ALKHABEER GROWTH AND INCOME
8.78   | 
GAS
15.80   | 
FADECO
75   | 
DMSCO
81.20   | 
AMWAJ INTERNATIONAL
41.95   | 
EQUIPMENT HOUSE
39.35   | 
SPC
50   | 
AZM
29.90   | 
NASEEJ TECH
52.90   | 
EAST PIPES
128.40   | 
AQASEEM
7.94   | 
TADWEEER
7.03   | 
ALBILAD US
11.28   | 
AMAK
58.20   | 
ELM
1040   | 
NAHDI
121   | 
EDARAT
538   | 
FUTURE CARE
4.55   | 
MARAFIQ
41.70   | 
ACADEMY OF LEARNING
8.59   | 
ALAMAR
66   | 
NAQI
53.60   | 
Al Rajhi Sukuk T1
100.35   | 
RETAL
16.68   | 
ALBABTAIN FOOD
37.90   | 
RIYADH CABLES
127.60   | 
APICO
53.80   | 
ALSAIF GALLERY
7.16   | 
RAWASI
4.17   | 
ARABIAN DRILLING
83.50   | 
LUBEREF
98.50   | 
NETWORKERS
68   | 
NABA ALSAHA
65.10   | 
NOFOTH
24.28   | 
AMERICANA Foreign Compan
2.11   | 
ALWAHA REIT
10.60   | 
ALDAWLIAH
6.10   | 
LEEN ALKHAIR
23.46   | 
BALADY
267   | 
KNOWLEDGE TOWER
15.50   | 
ALINMA HOSPITALITY REIT
8.20   | 
MOLAN
2.89   | 
SURE
84   | 
2P
11.48   | 
LADUN
3.46   | 
ALBILAD US TECH
16.88   | 
ALMAWARID
145.40   | 
HORIZON FOOD
34.70   | 
IOUD
48   | 
PRO MEDEX
94.50   | 
MULKIA
44.45   | 
ALRAZI
43.90   | 
KSA Sukuk 2023-08-10
95.94   | 
DAR ALMARKABAH
2.77   | 
SUMOU
43.90   | 
TAM DEVELOPMENT
172   | 
ALRASHID INDUSTRIAL
44.20   | 
SAL
179   | 
RIYADH CEMENT
33.20   | 
ALASHGHAL ALMOYSRA
57   | 
ALBILAD SAUDI GROWTH
8.89   | 
ALMODAWAT
18.18   | 
Saudi German Health Sukuk
102   | 
MUNAWLA
57.10   | 
WAJA
7.35   | 
JAMJOOM PHARMA
170   | 
FAD
79   | 
MIRAL
115   | 
ENTAJ
49.20   | 
FIRST MILLS
55.90   | 
ASG
56.40   | 
ARMAH
87.50   | 
TMC
20.12   | 
DERAYAH
28.85   | 
MARBLE DESIGN
69.80   | 
NAAS PETROL
59.50   | 
FOURTH MILLING
3.84   | 
RATIO
9.20   | 
ALMUNEEF CO.
6.60   | 
MASAR
23.80   | 
PURITY
19.98   | 
ALSHEHILI METAL
75.50   | 
Knowledgenet
33   | 
FIRST AVENUE
8.78   | 
ALRASHEED
105.80   | 
ALKHABEER INCOME 2030
7.61   | 
MIAHONA
21.98   | 
FAKEEH CARE
45.10   | 
THARWAH
46.75   | 
TALCO
45.05   | 
HORIZON EDUCATIONAL
77.90   | 
ALMAJED OUD
129   | 
MUFEED
58   | 
RIYADH STEEL
1.87   | 
WSM
36.50   | 
JANA
16.88   | 
ALFAKHERA
5.75   | 
QOMEL
52   | 
YAQEEN
20.14   | 
ARABICA STAR
57   | 
AVALON PHARMA
126   | 
PAPER HOME
140   | 
ALISTITHMAR REIT
9.11   | 
BANAN
5.09   | 
SAB HK
11.02   | 
ALBILAD HONGKONG CHINA
10.44   | 
BURGERIZZR
17.30   | 
JAHEZ
26.15   | 
BALSM MEDICAL
73.40   | 
YAQEEN ESG
9.60   | 
NEFT ALSHARQ
4.25   | 
TASHEEL
170   | 
SAMA WATER
2.96   | 
VIEW
6.96   | 
SMC
14.02   | 
ALMOOSA
166.20   | 
NICE ONE
35.40   | 
ALBATTAL FACTORY
41.90   | 
PAN GULF
22.60   | 
SEDCO MULTI ASSET
6.03   | 
QUARA
18.40   | 
LANA
29.45   | 
ARABIAN MILLS
43.60   | 
SMASCO
6.19   | 
RASAN
82.30   | 
LUMI
62   | 
ALMOHAFAZA FOR EDUCATION
25.85   | 
LEAF
92.90   | 
KSA Sukuk 2024-01-10
98.88   | 
ATLAS ELEVATORS
18.20   | 
MRNA
10.82   | 
Sukuk Rawasi Albina Inv 1
106   | 
SERVICE EQUIPMENT
74.90   | 
FUTURE VISION
6.60   | 
GHIDA ALSULTAN
43.50   | 
MAYAR
3   | 
MEYAR
64.50   | 
SMILE CARE
5.57   | 
LAMASAT
6.93   | 
CLEAN LIFE
106   | 
RIYAL
24.92   | 
MBC Group
42.45   | 
Sukuk AlKathiri 1
101.10   | 
UFG
40.50   | 
ADES
14.90   | 
RAOOM
70.70   | 
LIME INDUSTRIES
12.22   | 
ITMAM
18.10   | 
HKC
44.60   | 
TAMKEEN
52.60   | 
MODERN MILLS
36.70   | 

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