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Frequently Asked Questions

can vary depending on the type of mutual fund you invest in, your investment goals, and the market conditions. Here are some key risks associated with mutual funds:
  • Market Risk
  • Credit Risk
  • Interest Rate Risk
  • Liquidity Risk
  • Concentration Risk
  • Reinvestment Risk
It's important to understand the specific risks associated with the type of mutual fund you are considering and to align your investment choices with your risk tolerance, investment objectives, and time horizon.  

Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of capital market instruments, including equities listed on the stock exchange, treasury bills, treasury bonds, or other securities. Each investor in a mutual fund owns shares of the fund, representing a portion of the overall holdings. These shares are referred to as Investment Certificates, symbolizing the investor’s ownership in the mutual funds. The primary objective of mutual funds is to provide investors with access to a diversified portfolio managed by professional fund managers, reducing risk compared to investing in individual securities. Investors benefit from the collective buying power, professional management, and diversification of the fund, which can be difficult to achieve on their own.

Mutual funds come in various types, each designed to meet different investment objectives and risk profiles. The main types of mutual funds include:
  • Equity Funds (Stock Market)
  • Fixed Income Funds (Medium/Long term Debt Funds)
  • Money Market Funds (Short term Debt Funds)
  • Balanced Funds (Hybrid Funds)
  • Precious Metals Funds (Gold/Silver Funds)
 

EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.
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Visa Airport Companion lounge Service-Platinum Credit card

How many free accesses am I entitled to as a primary cardholder?

6 free access throughout the calendar year, then every extra visit will be charged by $32 (it will be debited from the registered credit card)

How many free accesses am I entitled to as a supplementary cardholder?

6 free access throughout the calendar year, then every extra visit will be charged by $32 (it will be debited from the registered credit card)

Is there a minimum card spend I shall make during the year, to qualify me for the free lounge accesses?

No minimum spend required

How do I enter the lounges?

Present your membership QR code to the lounge staff

Are guests allowed in the lounges for primary credit card holders?

  • Yes, guests are allowed provided they are accompanying the cardholder on the same flight.
  • Each guest will be charged by $32 per visit (to be paid at the lounge)

Are guests allowed in the lounges for supplementary credit card holders?

  • Yes, guests are allowed provided they are accompanying the cardholder on the same flight.
  • Each guest will be charged by $32 per visit (to be paid at the lounge)

How will my guest get access to the lounge?

With the same QR or Digital membership generated by the Primary OR Supplementary cardholders.

Can I use my physical card to enter the lounge?

You will only be able to access lounges by presenting your membership QR code from the mobile app.

Do I have to book the lounge access ahead of my visit?

No prior reservation is required

How can I submit a complaint or an inquiry?

  • In case of prior registration press “Help” button placed on the signing up page in “Visa Companion Application”
  • In case of after registration press “Contact” button placed on the account page.

How can I add more cards?

By pressing the “Membership” in the home page bottom menu. Then press on “Add new membership” and start registering the other card.