Atlas Bachat Balanced Plan focuses on providing long term capital growth along with modest income. It is appropriate for investors looking for moderate growth. Through the Atlas Bachat Balanced Plan, the investments are diversified to help ensure more consistent performance and improved risk management.

* Dividend can be paid through issue of additional units of underlying funds by way of re-investment which are redeemable. Dividend can also be paid through direct transfer to the investors’ bank account or through dividend warrant sent at the registered address of the investor.

Atlas Bachat Growth Plan focuses on providing long term capital growth. It is ideal for investors with a longterm horizon and a moderate to high tolerance for risk and fluctuations in investment value. Through the Atlas Bachat Growth Plan, the investments are diversified to help ensure more consistent performance and improved risk management.

* Dividend can be paid through issue of additional units of underlying funds by way of re-investment which are redeemable. Dividend can also be paid through direct transfer to the investors’ bank account or through dividend warrant sent at the registered address of the investor.

Atlas Bachat Islamic Plan focuses on providing regular income with a small element of growth. It is ideal for investors looking for safety of capital along with slight growth to overcome inflationary pressures. Through the Atlas Bachat Islamic Plan, the investments are diversified to help ensure more consistent performance and improved risk management.

* Dividend can be paid through issue of additional units of underlying funds by way of re-investment which are redeemable. Dividend can also be paid through direct transfer to the investors’ bank account or through dividend warrant sent at the registered address of the investor.

Atlas Bachat Balanced Islamic Plan focuses on providing long term capital growth along with modest income. It is appropriate for investors looking for moderate growth. Through the Atlas Bachat Balanced Islamic Plan, the investments are diversified to help ensure more consistent performance and improved risk management.

* Dividend can be paid through issue of additional units of underlying funds by way of re-investment which are redeemable. Dividend can also be paid through direct transfer to the investors’ bank account or through dividend warrant sent at the registered address of the investor.

Atlas Bachat Growth Islamic Plan focuses on providing long term capital growth. It is ideal for investors with a longterm horizon and a moderate to high tolerance for risk and fluctuations in investment value. Through the Atlas Bachat Growth Islamic Plan, the investments are diversified to help ensure more consistent performance and improved risk management.

* Dividend can be paid through issue of additional units of underlying funds by way of re-investment which are redeemable. Dividend can also be paid through direct transfer to the investors’ bank account or through dividend warrant sent at the registered address of the investor.

Systematic Payout and Systematic Withdrawal Plans are Administrative Plans offered by Atlas Asset Management Limited (AAML). These plans provide options for investments:

a) Shariah Compliant manner by investing in units of Atlas Islamic Income Fund (AIIF) and
b) Conventional manner by investing in units of Atlas Income Fund (AIF) or Atlas Money Market Fund (AMF).

The Income Plan Subscriber may also select a Systematic Investment Plan (SIP) through which the investor may invest predetermined amounts on a monthly or a quarterly basis. The Subscriber may also alter this monthly/quarterly amount, provided that such amount is not less than the minimum amount fixed by the Management Company from time to time. The Subscriber shall send in the monthly/ quarterly contributions under the SIP under the cover of the prescribed form

The Systematic Payout option offers the choice of redeeming a certain number of units for fulfilling the investor’s requirement of a certain amount at regular intervals (i.e. monthly, quarterly, semi-annually or annually). Such instructions shall be given in writing at the beginning of each regular interval or at the time of purchase of units.

a) If the value of investment increases during an interval, the Systematic Payout option calculates the number of units to be redeemed for the purpose of distribution of income in such a manner that the total redemption value of such units is equal to the increase in the value of investment during that interval, which means that the profit earned on the respective units due to increase in NAV would be paid back to the investors, after deduction of capital gains tax, if applicable.

b) If the value of investment of the Plan falls due to decline in NAV of the units of the Fund during an interval, the Systematic Payout option will not redeem any units and no income would be paid at the end of that interval as there would not be any profits for payment.

In Systematic Withdrawal option, the investors may decide any fixed amount from time to time to be paid at regular intervals (i.e. monthly, quarterly, semi-annually or annually). The investors, at the time of purchase or beginning of an interval, authorize AAML to redeem such number of units from their holding which in rupee terms is equivalent to the specified fixed amount that is to be paid at the end of every regular interval, after deduction of capital gains tax, if applicable.

It may be noted that the initial amount invested may deplete in case sufficient returns are not earned to cover the amount distributed to the investor.