{"id":14794,"date":"2025-08-24T15:29:10","date_gmt":"2025-08-24T14:29:10","guid":{"rendered":"https:\/\/thndr.horizondm.com\/blogpost\/?p=14794"},"modified":"2025-10-05T07:39:53","modified_gmt":"2025-10-05T06:39:53","slug":"al-mizan-balanced-fund-on-thndr-where-growth-meets-stability-just-a-tap-away","status":"publish","type":"post","link":"https:\/\/thndr.horizondm.com\/blogpost\/al-mizan-balanced-fund-on-thndr-where-growth-meets-stability-just-a-tap-away\/","title":{"rendered":"Al-Mizan Balanced Fund on Thndr: Where Growth Meets Stability, Just a Tap Away"},"content":{"rendered":"\r\n<p>A new investment product is now available on Thndr with the <strong>NBK Al-Mizan Balanced Fund<\/strong>. With a proven track record of growth and stability, Al-Mizan lets you invest in a mix of equities and fixed income \u2014 all from your Thndr app.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>While Thndr already offers equity funds, money market funds, and gold, <strong>this is the first of its kind on Thndr \u2014 a fund that gives you both growth from equities and stability from fixed income in a single product.<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Al-Mizan is an <strong>open-end balanced mutual fund<\/strong> managed by <strong>NBK Egypt Financial Investments<\/strong>, the investment arm of the National Bank of Kuwait in Egypt.<\/p>\r\n\r\n\r\n\r\n<p>The fund follows a <strong>balanced investment strategy<\/strong> that combines the best of both worlds:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Equities (stocks):<\/strong> Up to 60.78% of the fund, giving investors growth potential by investing in leading Egyptian companies \u2014 while ensuring no single company dominates the portfolio.<\/li>\r\n\r\n\r\n\r\n<li><strong>Fixed income instruments (bonds, T-bills, deposits):<\/strong> Up to 39.23%% of the fund, providing stability and steady income.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"has-small-font-size\"><strong>Disclaimer:<\/strong> The figures presented are as of July 2025 and are subject to change.<\/p>\r\n\r\n\r\n\r\n<p>By targeting roughly a <strong>50\/50 split between equities and fixed income<\/strong>, Al-Mizan allows investors to benefit from the stock market\u2019s upside while cushioning risk with more stable debt instruments. All stats and figures mentioned are as of July 2025<\/p>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"678\" class=\"wp-image-14796\" style=\"width: 730px; height: auto;\" src=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/08\/NBK-Graph-1-1024x678.jpg\" alt=\"\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/08\/NBK-Graph-1-1024x678.jpg 1024w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/08\/NBK-Graph-1-300x199.jpg 300w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/08\/NBK-Graph-1-768x508.jpg 768w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/08\/NBK-Graph-1-1536x1016.jpg 1536w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/08\/NBK-Graph-1-2048x1355.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n<\/div>\r\n\r\n\r\n<p>Like all mutual funds, your money is pooled with thousands of others and professionally managed under a clear investment mandate \u2014 so you don\u2019t need to worry about stock picking or timing the market yourself.<\/p>\r\n\r\n\r\n\r\n<p><br \/>As of July 2025, the fund\u2019s <strong>top 5 equity holdings<\/strong> were:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Commercial International Bank (CIB):<\/strong> Egypt\u2019s largest private sector bank, a leader in financial services and a benchmark for banking stability.<\/li>\r\n\r\n\r\n\r\n<li><strong>GB Corp:<\/strong> One of the region\u2019s biggest automotive players, covering passenger cars, commercial vehicles, and mobility solutions.<\/li>\r\n\r\n\r\n\r\n<li><strong>Talat Moustafa Group (TMG) &amp; Palm Hills :<\/strong> Two of the heavyweights in Egypt\u2019s real estate development, behind landmark residential communities.\u00a0<\/li>\r\n\r\n\r\n\r\n<li><strong>ADIB &#8211; Egypt: :Abu Dhabi Islamic Bank -Egyp<\/strong>t, is a\u00a0 leading universal bank that is fully Shari\u2019a Compliant, focusing on service excellence, product and solution innovation.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>This mix gives investors exposure to Egypt\u2019s <strong>financial sector, real estate boom, industrial and consumer demand<\/strong>, all while balancing risk with fixed income assets.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Performance track record as of July 2025<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Al-Mizan has consistently delivered strong results<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table class=\"has-fixed-layout\">\r\n<tbody>\r\n<tr>\r\n<td><strong>Year\u00a0<\/strong><\/td>\r\n<td><strong>% Return\u00a0<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>2024 Return (Dec 23 &#8211; Dec 24)<\/td>\r\n<td>37.87%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>3 year Return (Dec 2023\u2013Dec 2024)<\/td>\r\n<td>+112.38%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>5 Year Return (Dec 2019\u2013Dec 2024)<\/td>\r\n<td>+147.20%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Since Inception\u00a0<\/td>\r\n<td>+804.65%<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Why invest in Al-Mizan?<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Diversification across asset classes<\/strong> \u2013 With Al-Mizan, your money isn\u2019t tied to just one type of investment. About half goes into equities (stocks), giving you exposure to Egypt\u2019s leading companies like <strong>CIB, GB Corp, Palm Hills, and Juhayna<\/strong>, while the other half is allocated to <strong>fixed income instruments<\/strong> like bonds and treasury bills. This mix spreads risk \u2014 when stocks are volatile, bonds help provide stability, and when bonds are flat, equities can drive growth.<\/li>\r\n\r\n\r\n\r\n<li><strong>Growth potential through equities<\/strong> \u2013 By investing in some of the largest companies on the Egyptian Exchange, Al-Mizan captures long-term growth opportunities. Equities have historically been one of the best ways to build wealth, and in 2024 alone, the fund delivered a <strong>+37.87% return<\/strong>. Over the past <strong>5 years<\/strong>, the fund has grown <strong>+147.2%<\/strong>, and since inception, it has returned an impressive <strong>+804.65%<\/strong> \u2014 showing its ability to compound wealth over time.<\/li>\r\n\r\n\r\n\r\n<li><strong>Income generation from fixed income<\/strong> \u2013 Unlike pure equity funds, Al-Mizan invests heavily in government and corporate debt instruments. These provide steady coupon payments or interest income. This income component makes it attractive for investors who want stability but also value regular payouts in Egyptian pounds.<\/li>\r\n\r\n\r\n\r\n<li><strong>Reduced volatility compared to pure equity funds<\/strong> \u2013 Because not all of the fund is exposed to the stock market, sharp swings are cushioned by the stability of fixed income. For example, when equity markets slow down or face corrections, the fixed income allocation helps protect capital and smooth out returns. This makes Al-Mizan suitable for investors who want to grow their wealth but can\u2019t tolerate the high volatility of a 100% equity portfolio.<\/li>\r\n\r\n\r\n\r\n<li><strong>Low entry point<\/strong> \u2013\u00a0 Al-Mizan allows you to invest with as little as <strong>EGP 9.3 <\/strong>(the nominal certificate value). You also don\u2019t pay subscription or redemption fees, and orders can be placed weekly \u2014 giving you both low cost and flexibility to adjust your investments.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Here\u2019s what you should be aware of:\u00a0<\/strong><\/h2>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Market fluctuations:<\/strong> Stock prices and bond yields can move unpredictably, impacting fund performance.<\/li>\r\n\r\n\r\n\r\n<li><strong>Interest rate risk:<\/strong> Rising interest rates can reduce the value of fixed income instruments.<\/li>\r\n\r\n\r\n\r\n<li><strong>Equity exposure:<\/strong> While capped at 60%, equities can still experience sharp declines.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Like any investment, returns are not guaranteed \u2014 but Al-Mizan is <em>designed to strike a balance<\/em> between opportunity and safety.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Sounds like it\u2019s for you? Here\u2019s how you can invest in Al-Mizan on Thndr<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>You can find the <strong>NBK Al-Mizan Balanced Fund<\/strong> on Thndr by going to the <strong>Explore tab<\/strong>. Just search \u201cAl Mizan\u201d or \u201cNBK\u201d and you\u2019ll find it easily.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>When can I buy &amp; sell Al-Mizan?<\/strong><\/h2>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Orders can be submitted until 1:00pm on the last working day of every week.<\/li>\r\n\r\n\r\n\r\n<li>Your request will be executed at that week\u2019s closing price.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><strong><em>Example:<\/em><\/strong><em>\u00a0 If you place an order on Wednesday before 1:00pm, it will be processed at the end-of-week valuation.<\/em><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>What are the fees associated with this fund?<\/strong><\/h2>\r\n\r\n\r\n\r\n<p><br \/><a href=\"https:\/\/thndr.horizondm.com\/support\/docs\/egyptian-exchange-listed-stocks-etfs-en-en\/egypt-transaction-fees\/\">standard transaction fees<\/a> apply on every buy and sell order.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>More About NBK<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>The National Bank of Kuwait (NBK) is one of the largest and most reputable financial institutions in the region. Through NBK Egypt Financial Investments, they manage a range of funds across asset classes \u2014 with Al-Mizan being one of their flagship offerings.<\/p>\r\n\r\n\r\n\r\n<p>Al-Mizan has also been recognized for its excellence:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u00a0<em>Best Performing Balanced Fund in MENA<\/em> \u2013 MENA Fund Manager Awards (2015)<\/li>\r\n\r\n\r\n\r\n<li><em>Top Performer Balanced Fund Egypt<\/em> \u2013 Zawya Fund Awards (2013)<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><strong>Have any questions?<\/strong> Visit our <a href=\"https:\/\/thndr.horizondm.com\/support\/docs\/mutual-funds-en-en\/nbk-al-mizan-balanced-fund-nam\/\">FAQ<\/a>s or contact our support team through our in-app support or <a href=\"mailto:support@thndr.app\">support@thndr.app<\/a>.<\/p>\r\n\r\n\r\n\r\n<p>&nbsp;<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>A new investment product is now available on Thndr with the NBK Al-Mizan Balanced Fund. With a proven track record of growth and stability, Al-Mizan lets you invest in a mix of equities and fixed income \u2014 all from your Thndr app.\u00a0 While Thndr already offers equity funds, money market funds, and gold, this is [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":14793,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[255,298],"tags":[],"class_list":["post-14794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-updates","category---en"],"_links":{"self":[{"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/posts\/14794","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/comments?post=14794"}],"version-history":[{"count":6,"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/posts\/14794\/revisions"}],"predecessor-version":[{"id":14846,"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/posts\/14794\/revisions\/14846"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/media\/14793"}],"wp:attachment":[{"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/media?parent=14794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/categories?post=14794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thndr.horizondm.com\/blogpost\/wp-json\/wp\/v2\/tags?post=14794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}