What the badges mean

✓ AMC-Verified The asset manager confirmed this fund

Shown only when the asset management company (AMC) has directly confirmed that fund’s data with ReturnKoto?. The fund page also carries an animated checkmark beside the name. This is stronger than our usual sourcing: the AMC has reviewed the NAV history, dividends and return figures shown, not just that we built them from public records.

Most funds on the site do not carry this badge yet. When you see it, you know that specific AMC has signed off on that fund’s page.

estimated Anchored to official figures

The asset manager does not publish year-by-year dividend records for this fund. Instead of guessing, ReturnKoto? anchors the return to the fund’s own officially published total-return figures and works backwards to a consistent dividend assumption.

Open “How we got this number” on the fund’s page to see the exact basis used. The figure is faithful to what the manager itself reports, but the year-by-year path is smoothed.

partial Incomplete dividend records

ReturnKoto? could verify the fund’s NAV history, but its dividend records are incomplete. Every dividend that could be verified is reinvested; anything unverifiable is simply left out.

That makes the error one-sided: the true total return may be slightly higher than shown, never lower. We prefer under-promising to inventing figures.

+ dividends Cash dividends, reinvested by default

The fund pays meaningful cash dividends, and they are reinvested by default in the figures on the site (switch any figure to taken as cash to pocket them instead). This is why ReturnKoto? numbers are total returns, not just price changes.

It matters more than most people expect: for income funds especially, most of the real return arrives as cash dividends rather than NAV growth. A price-only chart would make those funds look flat when they are actually earning steadily.

SHARIAH Certified Shariah-compliant

The fund is certified Shariah-compliant and runs under a Shariah supervisory board that screens what it may invest in.

The homepage has a Shariah-compliant only toggle that filters the whole list to these funds. For the full picture of what makes a fund Halal-certified, read the Shariah funds guide.

Growth Equity-leaning, higher risk

Growth funds put most of their money in listed stocks. They aim for higher long-term returns and swing harder in both directions along the way.

Balanced Mixed, middle of the road

Balanced funds hold a mix of stocks and fixed income. They give up some upside for a smoother ride.

Income Bond and deposit-leaning, lower risk

Income funds lean on bonds, deposits and other fixed-income instruments. Returns are steadier and much of the return is paid out as cash dividends.

Do not take the label on faith: every fund’s page has a verified holdings panel built from the asset manager’s own portfolio statement, so you can see the actual asset mix, sectors and top holdings behind the badge.

NAV history: each fund’s own asset manager’s website is checked first for the latest published NAV, with a secondary data source as the fallback and the source of the weekly history. Every fund page shows its latest NAV date and source right under the stat boxes.

Dividends: only officially published dividend records are used. Where an asset manager shares verified payment dates we reinvest on those dates; otherwise each year’s dividend is reinvested in its payout season, modeled at October of the dividend year.

Fees and fund details: read from each fund’s BSEC-approved prospectus.

Holdings: extracted from the asset managers’ own portfolio statements and cross-checked so the pieces add up.

Spot a badge that looks wrong? Report a data issue and it will be re-verified against the official sources.