Hemaya Fund is the first in the Egyptian market with Capital Protection, 1 year tenor, and monthly subscriptions and redemptions. Invest for One year with full capital protection while aiming to reap high accumulated returns.

Hemaya Fund Benefits:

1. Full Capital protection: Benefit from the upside performance of the Egyptian stock market and have your initial capital fully protected at maturity.
2. Short-Term Investment: Hemaya fund is the only open-ended capital protected fund in the Egyptian market with a One Year tenor.
3. High Accumulated Returns**: Enjoy boosting you earnings by investing a maximum of 25% in local equity market to reap the upside performance while preventing any downside effect in the market through your capital Protection.
4. Monthly Subscriptions & Redemptions: Subscriptions and redemptions take place during the last five business days of every month till 12pm, through all CIB branches, more than 150 branches throughout Egypt.
5. Professional Management: Hemaya is professionally managed by CI Asset Management (CIAM); a fully owned company by CIB.
6. Diversification: Hemaya provides diversification through investing in the following financial instruments:

   Asset Allocation	Asset %
   Fixed Income Instruments	Deposits
   	T-Bills
   	T-Bonds
   	Bond Repos
   Similar mutual funds, Money Market & Fixed Income Funds	Up to 20%
   Local Equity	Up to 25% from NAV
   Sector	Up to 25% from Equity Portion
   Single Stock	Up to 10% and not to exceed 15% of total shares
   Corporate Stock & Bonds for Related Parties	Up to 20%

7. Facilities***: Whenever in need of urgent liquidity before the One year maturity, apply for a credit facility up to 90% of the investment par value, at any point of time.

Hemaya Fund Features:

• Investors should be a CIB account holder
• Minimum Subscription: 50 units
• Subscription Fee: 0.25%
• Redemption Free

 Furthermore...

Fact Sheet

*Any redemption takes place before the fund’s maturity (One Year) will be at the market price; hence the protection option will be not applied
** The Fund return is subject to the stock market performance with a 25% maximum exposure.
*** Terms & Conditions apply