Mashreq Investments

At Mashreq, we know that our customers are individuals, each with their own set of unique needs and financial requirements. A single investment solution will not meet your varying needs. Our personalized investment solutions look at all the variables that govern your investments, including your objectives and goals, risks appetite, return volatility, investment horizon, and investment experience.

Mashreq also offers investment funds based on Shariah principles, investing in equities and leasing structures around the world. We also have estate management vehicles that can help you plan your estate for your loved ones, ensuring that you are able to grow your wealth and pass on a legacy to your family.

Capital Guarantees

When you are looking for a capital guarantee on your investments, we offer a wide range of structures linked to interest rates, equity indices, a basket of commodities, or even volatility in the Foreign Exchange markets. These range from short tenors of one year or tenors as long as ten years, depending on the investment outlook and time horizon of the investor. The focus remains on ensuring the capital guarantee at maturity, with yield being the secondary objective.

Managing Liquidity

Investments can range from simple money market funds that can be used for managing your short term liquidity, to investing in funds which give you the potential for additional yield. Longer term- solutions that incorporate capital guaranteed products, money market funds, bond funds, equity funds and funds in different combinations give you the option to get the solution you want.

Risk Profile Assessment

At Mashreq, we know that understanding your risk profile is the first step to providing you with an investment solution that is right for you. Your risk profile is unique to you - your investment experience, your appetite for risk, your outlook on the markets around the world, etc. Once we understand your risk profile is, we can construct an investment portfolio based on your particular financial needs and risk appetite and allocate your assets accordingly.

Key Fund Companies

Mashreq provides access to funds from a number of globally recognized asset management companies and regional market leaders in the GCC markets. Some of our key fund providers are listed below, please click on the name to get more details:

State Street Global Advisors
Franklin Templeton
Permal Multi-Manager Funds
Al Fanar range of Islamic Funds
Invesco range of Funds
Makaseb Funds Company

State Street

State Street Global Advisors (SSgA), with a senior debt rating of AA- is an acknowledged leader in institutional investing with $1.8 trillion in assets under management. The world's largest institutional asset manager and leader in several other investment rankings, State Street is also the investment management arm of State Street Corporation, one of the world's largest custodians with over $12.3 trillion in assets under custody has as of March 31^st 2007. State Street has a fiduciary heritage since 1792, and with over 21,000 employees in 26 countries, it focuses on its core business of managing and servicing assets.

Franklin Templeton

Franklin Templeton Investments is a global investment management organization with over $552 billion in assets under management. Franklin Templeton seeks to consistently provide investors with exceptional risk-adjusted returns over the long term, as well as reliable, accurate and personal service. The underlying basis of the investment process at the asset management arm is that of a bottom-up approach with orientation on value, with a clear long-term time horizon. This also includes on site visits to companies by analysts from its 54 offices, on six continents, to gather personalized information and gain insight into the underlying companies that they invest in.

Permal Multi-Manager funds

The Permal Group is one of the leading and largest groups in the field of multi-manager alternative investments, offering investment opportunities globally. The Permal Group was a pioneer in the use of hedge-style managers within multi-manger funds and has achieved an impressive track record since 1973, with total assets in excess of $25 billion. The Permal Group is owned by Legg Mason, Inc. and Permal Group Management. Permal looks to create and maintain diversified portfolios of quality managers that provide safety of capital, excellent investor liquidity, and above average returns with below average volatility when compared with traditional investments.

The Permal Group has a bottom-up investment approach which means that the process begins with idea generation from their extensive fund managers, industry peers, and data mining their various databases and clients. This is followed with due diligence to see the outcome of different investment scenarios. Based on these investment scenarios from the best in the industry, the actual process of portfolio allocation and monitoring occurs. This comprehensive approach ensures the best selection of products for investors around the world.

Al Fanar Range of Islamic funds

The Al Fanar family of funds is a special offering by the Permal Group since 1997, which offers funds based on Shariah principles. Currently, it has $500 million in assets under management as of December 31^st, 2006. Its main focus is on capital preservation and reduced downside risk and volatility with its unique access to stock-picking talent, by way of independent hedge fund managers, with an independent Sharia Advisory Panel supervising the whole process. The Sharia Advisory Panel consists of Dr. Mohamed Elgari, Associate Profesor and Director of Economic Research at King Abdul Aziz University, Jeddah, and Dr. Nazih Hammad, the former Professor of Jurisprudence at Um-al-Qura University in Makkah, an Islamic expert of the OIC.

Invesco Range of Funds

INVESCO manages investment products that span a wide range of asset classes from fixed income, to value, core, and growth equities, and alternaive investments such as real estate and private equity. INVESCO’s history in asset management traces back to 1871, though its recent corporate restructuring in 1997 has created the current Invesco group for fund management. Invesco’s funds range from Fixed Income, to global and regional equities, alternative asset classes like real estate and private equity, and multi-asset portfolios. The current AUM’s of INVESCO are more than $386 billion (as of Dec 31^st, 2005).

Schroders

Schroders is a global asset management company which has been providing asset management solutions for Middle East clients for over 30 years. Schroders offer superior performing mutual funds investing in:

Equities of companies across the globe
Fixed income offerings of government and corporates
Alternative investments including Hedge funds / Property / Commodities

Makaseb Funds Company

Makaseb, the asset management arm of Mashreq has been a premier provider of regional investment management solutions to all segments of investors. The Makaseb family of mutual funds is domiciled in Bahrain and regulated by the Central Bank of Bahrain, the most rigorous regulatory regime in the region. The products are transparent and provide for segregation of functions. Makaseb currently offers four country specific equity funds and one fixed income fund, providing exposure to UAE, Qatar, GCC, Middle East & North African (MENA) markets in a risk constrained and diversified manner. The funds are actively managed, but the portfolio risk is managed through a disciplined investment process. The investment process uses a multi-factorial approach that includes fundamental research and company visits.

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