Table of Contents
What is Istsmar w Aman (AIS)?
Istsmar w Aman (AIS) is a low-risk fixed income and money market fund that provides a daily return.
It aims to generate stable income by investing in a mix of treasury bills, bonds, and other fixed-income instruments.
The fund offers daily subscription (buying) and daily redemption (selling) with no lock-up period.
What does Istsmar w Aman (AIS) invest in?
The fund invests in a diversified portfolio of fixed-income securities, including:
- Treasury Bills (Up to 90% of the fund’s portfolio and no less than 20%)
- Treasury Bonds (Up to 70% of the fund’s portfolio)
- Other fixed-income instruments
You can find detailed information on the investment limits in the fund prospectus here.
Why should I invest in Istsmar w Aman (AIS)?
- Daily return with compounding effect
- Low-risk investment in Fixed income
- Daily liquidity without penalties or lock-up periods
- No subscription or redemption fees
How has the fund been performing?
As of 4 October 2025, the fund has been delivering an esitmated annualized return of 22%.
*Returns are subject to market conditions and may vary day to day.
Who manages Istsmar w Aman (AIS)?
The fund was established by Misr for Insurance and is managed by Arab African Investment Management (AAIM), a Leading Asset Manager in Egypt with 35 Billion EGP in assets under management as of September 2024.
How do I collect my earnings?
The live certificate price of AIS reflects the profit or return achieved by the fund’s investments.
To collect your earnings, simply sell your certificates through the Thndr app.
The difference between your buy price and sell price represents your profit.
Is Istsmar w Aman (AIS) Sharia compliant?
Istsmar w Aman (AIS) is not marketed as a Sharia compliant fund.
Buying & Selling
- Orders placed before 1:00 PM will be sent on the same day and executed on the next working day at the new certificate price
- Orders placed after 1:00 PM are sent on the next working day and executed the following day at the new certificate price.
- Minimum order: 2 certificates
Steps to place an order:
- Open the Thndr app
- Search for Istsmar w Aman (AIS) or find it from the Explore page under the fixed income funds section.
- Tap on Istsmar w Aman (AIS)
- Tap on Buy
- Enter the amount or number of certificates you want to invest in. There is a minimum of 2 certificates per order.
Fees
Standard Transaction fees apply on every buy and sell order
Fund management fees are calculated in the certificate price & not charged when buying or selling certificates. You can view the full list of fund management fees here.
What are the risk factors of investing in funds?
While considered low risk, the fund is still subject to:
- Interest rate risk
- Credit risk
- Liquidity risk
The fund manager minimizes these risks through diversification For more details on the risk management framework, please review the fund prospectus here
