LB Gratuity Opportunities Fund (LBGOF)

Balanced+ dividends

LB Gratuity Opportunities Fund (LBGOF) returned 6.77% a year over the last 3 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.

Open-end balanced mutual fund in Bangladesh, managed by LankaBangla Asset Management Company Limited (LBAMCL). Tracked since Dec 2020, with dividends reinvested by default or taken as cash.

৳11.71NAV per unit
৳10 crFund size
5.8 yrsSince Dec 2020
+8.21%Per year, max (5.8 yrs)
Start 100Now 157

Total-return path since Dec 2020, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for LB Gratuity Opportunities Fund, dividends reinvested
MonthTotal-return index
Dec 2020100.00
Jan 2021103.30
Feb 2021101.30
Mar 202199.80
Apr 2021102.40
May 2021111.60
Jun 2021113.40
Jul 2021117.80
Aug 2021114.40
Sep 2021119.10
Oct 2021123.90
Nov 2021120.50
Dec 2021123.10
Jan 2022131.80
Feb 2022122.10
Mar 2022120.00
Apr 2022131.00
May 2022124.10
Jun 2022135.40
Jul 2022110.90
Aug 2022116.20
Sep 2022115.20
Oct 2022131.60
Nov 2022132.50
Dec 2022133.20
Jan 2023133.50
Feb 2023132.10
Mar 2023133.60
Apr 2023133.90
May 2023137.50
Jun 2023136.90
Jul 2023138.10
Aug 2023129.70
Sep 2023129.30
Oct 2023135.20
Nov 2023134.50
Dec 2023135.50
Jan 2024132.50
Feb 2024132.10
Mar 2024123.70
Apr 2024121.00
May 2024116.80
Jun 2024119.90
Jul 2024122.70
Aug 2024133.10
Sep 2024129.40
Oct 2024125.50
Nov 2024126.30
Dec 2024125.80
Jan 2025124.50
Feb 2025126.30
Mar 2025127.80
Apr 2025126.20
May 2025123.60
Jun 2025126.60
Jul 2025137.80
Aug 2025141.60
Sep 2025138.70
Oct 2025142.00
Nov 2025137.80
Dec 2025139.40
Jan 2026148.50
Feb 2026154.90
Mar 2026144.20
Apr 2026148.70
May 2026149.60
Jun 2026158.10
Jul 2026158.50
Aug 2026155.30
Sep 2026157.40

Latest NAV date: 3 Sep 2026.Source: LankaBangla Asset Management Company Limited (LBAMCL)'s website.Figures as of 2 Sep 2026.

Historical returns

Total return reinvests every dividend. “Per year” is the annualized compound rate. The last column is the return on a fixed amount invested every month (SIP).

Return period Total return Per year Monthly SIP /yr
6 months+9.13%+19.10%+12.16%
Year to date+12.92%+17.59%+11.23%
1 year+13.45%+13.45%+13.31%
2 years+21.67%+10.30%+13.96%
3 years+21.72%+6.77%+10.97%
5 years+32.13%+5.73%+7.46%
Max (5.8 yrs)+57.41%+8.21%+7.25%

Bars in each column are relative to the largest figure in that column, not a 0 to 100% scale.

Figures as of 3 Sep 2026 Total return includes the fund’s cash dividends (about 5%/yr), reinvested by default.

Rolling returns & path risk

A single look-back can flatter or punish a start date. These figures walk the whole history.

Rolling window Latest Median Best Worst Windows
1 year+13.48%+7.19%+27.93%-15.05%58
3 years+6.77%+2.85%+10.66%-2.22%34

Each window is annualized total return (dividends reinvested). Latest is the most recent closed window; median / best / worst summarize every overlapping window of that length. Tap ? on a column header for a short tip.

Path risk over the same fixed 3-year window as the rating:

7.8%Downside deviation
-15%Worst drop
76%Positive 12-mo windows
12.8%Volatility (ann.)

Downside deviation only counts losing months. Worst drop is the deepest peak-to-trough fall inside the window. These are measured facts from the NAV series; the star composite that uses them stays experimental.

Calculate your return

Just this fund. Set an amount, pick one-time or monthly, and choose a period.

৳
Dividends
See the numbers behind this chart
Month-by-month value of a ৳1,000 lump sum in LB Gratuity Opportunities Fund, dividends reinvested
MonthValue of ৳1,000
Dec 2020৳1,000
Jan 2021৳1,033
Feb 2021৳1,013
Mar 2021৳998
Apr 2021৳1,024
May 2021৳1,116
Jun 2021৳1,134
Jul 2021৳1,178
Aug 2021৳1,144
Sep 2021৳1,191
Oct 2021৳1,239
Nov 2021৳1,205
Dec 2021৳1,231
Jan 2022৳1,318
Feb 2022৳1,221
Mar 2022৳1,200
Apr 2022৳1,310
May 2022৳1,241
Jun 2022৳1,354
Jul 2022৳1,109
Aug 2022৳1,162
Sep 2022৳1,152
Oct 2022৳1,316
Nov 2022৳1,325
Dec 2022৳1,332
Jan 2023৳1,335
Feb 2023৳1,321
Mar 2023৳1,336
Apr 2023৳1,339
May 2023৳1,375
Jun 2023৳1,369
Jul 2023৳1,381
Aug 2023৳1,297
Sep 2023৳1,293
Oct 2023৳1,352
Nov 2023৳1,345
Dec 2023৳1,355
Jan 2024৳1,325
Feb 2024৳1,321
Mar 2024৳1,237
Apr 2024৳1,210
May 2024৳1,168
Jun 2024৳1,199
Jul 2024৳1,227
Aug 2024৳1,331
Sep 2024৳1,294
Oct 2024৳1,255
Nov 2024৳1,263
Dec 2024৳1,258
Jan 2025৳1,245
Feb 2025৳1,263
Mar 2025৳1,278
Apr 2025৳1,262
May 2025৳1,236
Jun 2025৳1,266
Jul 2025৳1,378
Aug 2025৳1,416
Sep 2025৳1,387
Oct 2025৳1,420
Nov 2025৳1,378
Dec 2025৳1,394
Jan 2026৳1,485
Feb 2026৳1,549
Mar 2026৳1,442
Apr 2026৳1,487
May 2026৳1,496
Jun 2026৳1,581
Jul 2026৳1,585
Aug 2026৳1,553
Sep 2026৳1,574
৳1,000 · Dec 2020৳1,574 · 3 Sep 2026

Total-return NAV rebased to your amount. Dividends are reinvested by default; switch to taken as cash above.

Fund details

Management fee2.50% down to 1.00% per year (tiered by fund size)
Early-exit feeNo exit fee; partial surrender allowed
Minimum investment500 units individual / 5,000 units institution
LiquidityOpen-end, redeemable weekly at NAV
Asset managerLankaBangla Asset Management Company Limited (LBAMCL)
SponsorLankaBangla Securities Employees' Gratuity Fund Trust
TrusteeInvestment Corporation of Bangladesh (ICB)
CustodianInvestment Corporation of Bangladesh (ICB)
Face valueBDT 10 per unit

What LB Gratuity Opportunities Fund holds

As of 30 Jun 2026

From the fund’s quarterly portfolio disclosure. Percentages by market value.

Asset mix
Listed equity 73.47%Government & corporate bond 10.79%Non-listed mutual fund unit 9.63%Cash at bank 6.12%
Sector allocation
Pharmaceuticals & Chemicals16.13%
Bank14.68%
Insurance11.97%
Engineering6.37%
Financial Institutions5.37%
Food & Allied5.35%
Miscellaneous3.76%
Services & Real Estate3.06%
Textile2.94%
Telecommunication2.47%
Fuel & Power1.18%
Paper and Printing0.11%
Tannery0.09%
Top holdings
BRAC Bank9.35%
avg cost ৳42.80 · stmt mkt ৳65.53
Beximco Pharmaceuticals8.69%
avg cost ৳115.38 · stmt mkt ৳140.62
IDLC Finance5.37%
avg cost ৳40.59 · stmt mkt ৳41.39
Marico Bangladesh5.27%
avg cost ৳2,470.00 · stmt mkt ৳2,770.00
BSRM Steels4.82%
avg cost ৳64.02 · stmt mkt ৳86.55
Reliance Insurance4.00%
avg cost ৳92.86 · stmt mkt ৳120.29
Pioneer Insurance3.59%
avg cost ৳81.90 · stmt mkt ৳71.81
Jamuna Bank3.42%
avg cost ৳23.40 · stmt mkt ৳24.00
British American Tobacco Bangladesh3.13%
avg cost ৳604.00 · stmt mkt ৳219.33
Eastern Housing3.06%
avg cost ৳88.57 · stmt mkt ৳92.00
Envoy Textiles2.94%
avg cost ৳48.91 · stmt mkt ৳56.18
Bangladesh Shipping Corporation2.67%
avg cost ৳95.20 · stmt mkt ৳112.40
Grameenphone2.47%
avg cost ৳265.00 · stmt mkt ৳260.00
National Life Insurance2.46%
avg cost ৳92.40 · stmt mkt ৳103.60
Olympic Industries2.22%
avg cost ৳154.00 · stmt mkt ৳155.33
Renata2.17%
avg cost ৳948.00 · stmt mkt ৳456.00
Green Delta Insurance1.91%
avg cost ৳79.33 · stmt mkt ৳67.00
Bank Asia1.90%
avg cost ৳20.00 · stmt mkt ৳18.43
Singer Bangladesh1.55%
avg cost ৳110.00 · stmt mkt ৳81.50
United Power Generation & Distribution1.18%
avg cost ৳280.00 · stmt mkt ৳124.00
LankaBangla Securities1.08%
avg cost ৳19.20 · stmt mkt ৳11.40
Web Coats0.11%
avg cost ৳11.42 · stmt mkt ৳34.25
Craftsman Footwear & Accessories0.09%
avg cost ৳11.64 · stmt mkt ৳34.92

Each bar is sized against the largest name in this list, so you can compare them to each other. The percentage is still that name’s share of the whole fund.

Its 5 largest holdings are 33.50% of the fund.

What changed in the latest statement

31 Mar 2026 → 30 Jun 2026before now

− Apex Footwear · no longer held− Bangladesh Export Import Company · no longer held
BRAC Bank7.11% → 9.35%
Reliance Insurance2.57% → 4.00%
Jamuna Bank2.41% → 3.42%

Asset mix: Government & corporate bond 11.87% → 10.79%; Cash at bank 4.17% → 6.12%.

Its 5 largest holdings went from 30.25% to 33.50% of the fund.

Position sizes shift with both trading and market prices; both snapshots come from the fund manager’s own statements.

✓ Verified from LankaBangla quarterly portfolio statement (30 Jun 2026). Holdings are disclosed quarterly, so they can lag the latest daily NAV.

Side by side with another fund

Questions about LB Gratuity Opportunities Fund (LBGOF)

What kind of fund is LB Gratuity Opportunities Fund?
LB Gratuity Opportunities Fund is an open-end balanced mutual fund in Bangladesh, managed by LankaBangla Asset Management Company Limited (LBAMCL). You buy and redeem units at its published net asset value (NAV), and it has no fixed maturity.

What is the historical return of LB Gratuity Opportunities Fund?
Over roughly 5.8 years to 3 Sep 2026, LB Gratuity Opportunities Fund returned about +8.21% per year, as a total return with dividends reinvested. The figure changes with the period you choose, and past performance does not guarantee future results.

What are the fees for LB Gratuity Opportunities Fund?
LB Gratuity Opportunities Fund charges a management fee of 2.50% down to 1.00% per year (tiered by fund size). Its published NAV, and so every return shown, is already net of this fee.

Does LB Gratuity Opportunities Fund have an exit load?
No exit fee; partial surrender allowed.

What is the minimum investment for LB Gratuity Opportunities Fund?
LB Gratuity Opportunities Fund has a one-time minimum of 500 units individual / 5,000 units institution and a monthly SIP from BDT 5,000/month.

Is LB Gratuity Opportunities Fund Shariah-compliant?
No. LB Gratuity Opportunities Fund is a conventional open-end fund, not Shariah-certified. ReturnKoto? has a one-tap filter to show only Shariah funds.

Compare LB Gratuity Opportunities Fund (LBGOF) with other funds →
ExperimentalReturnKoto? ratingstill being calibrated

Rules-based rating for each fund. Experimental; treat as one input for your own research. Every sub-score is on the ratings page.

3 of 57th of 10 balanced funds

A rules-based score over the same fixed 3-year window every fund is measured on: return against its benchmark, downside deviation, worst drop and consistency, on a scale set for balanced funds.

5-year rating: 3 of 5 over the same fixed 5-year window (6th of 8).

Return / year (3 yr)
+4.70%
Downside deviation
7.8%
Worst drop
-15%
Consistency
76%
Versus the market (DSEX)

Beta 0.62 · historically moved about 0.62% for each 1% move in the DSEX market index. DSEX explains roughly 32% of its month-to-month swings.

✓ Rules-based, measured from the fund’s own NAV history. How the rating will work.