The efficient way to invest

Smarter portfolios to give you the returns you deserve

Here's how your money is invested

Portfolios are a group of securities, mainly across stocks and sukuks (Islamic bonds). When you make your first deposit, we'll automatically invest your portfolio according to your specific risk profile. Simple

This is what you'll invest in


USA Stocks

This fund covers the total U.S. stock market and measures the performance of all large and mid- cap stocks that comply with Islamic principles. This asset class helps investors participate in the long-term growth of the U.S. market.

Reasons we chose this Asset Class:

  • Direct and diversified investment in US companies that comply with Islamic investment principles
  • US stock market exposure, the world's largest stock market

Sector Breakdown (%)

Consumer Discretionary 9.4
Information Technology 33.3
Communication 3.3
Health Care 22.3
Cash and Equivalents 2.4
Consumer Staples 10.9

Disclaimer

This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

Dividend Stocks

Dividend stocks are investments primarily in dividend-paying common stocks, including foreign stocks. These are diversified investments across industries and companies, and generally follow a large-cap value investment style.

Reasons we chose this Asset Class:

  • Direct and diversified investment in companies that provide consistent dividends
  • Investments in foreign stocks that comply with Islamic investment principle

Sector Breakdown (%)

Consumer Discretionary 6.9
Industrials 25.3
Cash and Equivalents 2.4
Materials 19.0
Health Care 18.0
Consumer Staples 16.6
Information Technology 10.8
Energy 1.0

Disclaimer

This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

Emerging Market Stocks

Emerging market stocks provide a great potential for geographic diversification and growth. This asset class comes with higher risk than the developed market stocks, yet can also provide higher returns due to the rising economic output and market capitalization of emerging markets.

Reasons we chose this Asset Class:

  • Direct and diversified investment in emerging market companies that comply with Islamic investment principles
  • Provides exposure to emerging market economies, which are not as mature as developed economies, thereby potentially offering higher returns

Sector Breakdown (%)

Materials 12.67
Consumer Staples 14.3
Health Care 14.3
Cash and Equivalents 15.2
Energy 2.5
Consumer Discretionary 20.7
Information Technology 4.2
Financials 5.6
Industrials 6.1
Utilities 7.3
Communication 9.7

Disclaimer

This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

Sukuk

The essence of Sukuk is to provide Ethical compliant instruments for investments which do not involve interest and excess uncertainty. It is a primacy of equity financing. The Sukuk holder has an ownership on the underlying asset which is entitled for revenues generated from the Sukuk asset unlike the bondholder who is eligible to receive interest payments by the bond issuer. The Sukuk limits the value of debt to that of the underlying. It must be asset backed or asset based and interest free.

Reasons we chose this Asset Class:

  • Limits debt to value of underlying asset
  • Interest free
  • Islamic based

Disclaimer

This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

Gold

Commodities as an asset class have had historically low correlation with stocks and bonds. We have included gold to represent this asset class. Gold provides the potential for long-term capital appreciation and acts as an inflation hedge. The gold ETF included in our portfolio effectively captures the price volatility of gold in the spot market, thereby generating a return that is similar to the returns in the spot market.

Reasons we chose this Asset Class:

  • Diversification benefit
  • Direct exposure to gold prices

Disclaimer

This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

  • US Equity

    USA Stocks

    This fund covers the total U.S. stock market and measures the performance of all large and mid- cap stocks that comply with Islamic principles. This asset class helps investors participate in the long-term growth of the U.S. market. Reasons we chose this Asset Class: - Direct and diversified investment in US companies that comply with Islamic investment principles - US stock market exposure, the world's largest stock market

    Reasons we chose this Asset Class:

    • Direct and diversified investment in US companies that comply with Islamic investment principles
    • US stock market exposure, the world's largest stock market
    • Overseen by world leading scholars

    Sector Breakdown (%)

    Consumer Discretionary 9.4
    Information Technology 33.3
    Communication 3.3
    Health Care 22.3
    Cash and Equivalents 2.4
    Consumer Staples 10.9

    Disclaimer

    This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

  • Dividend Stocks

    Dividend stocks are investments primarily in dividend-paying common stocks, including foreign stocks. These are diversified investments across industries and companies, and generally follow a large-cap value investment style. Reasons we chose this Asset Class: - Direct and diversified investment in companies that provide consistent dividends - Investments in foreign stocks that comply with Islamic investment principle

    Reasons we chose this Asset Class:

    • Direct and diversified investment in companies that provide consistent dividends.
    • Investments in foreign stocks that comply with Islamic investment principle.
    • Market Liquidity

    Sector Breakdown (%)

    Consumer Discretionary 6.9
    Industrials 25.3
    Cash and Equivalents 2.4
    Materials 19.0
    Health Care 18.0
    Consumer Staples 16.6
    Information Technology 10.8
    Energy 1.0

    Disclaimer

    This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

  • Emerging Market Stocks

    Emerging market stocks provide a great potential for geographic diversification and growth. This asset class comes with higher risk than the developed market stocks, yet can also provide higher returns due to the rising economic output and market capitalization of emerging markets. Reasons we chose this asset class: - Direct and diversified investment in emerging market companies that comply with Islamic investment principles - Provides exposure to emerging market economies, which are not as mature as developed economies, thereby potentially offering higher returns

    Reasons we chose this Asset Class:

    • Direct and diversified investment in emerging market companies that comply with Islamic investment principles
    • Provides exposure to emerging market economies, which are not as mature as developed economies, thereby potentially offering higher returns
    • Overseen by world leading scholars

    Sector Breakdown (%)

    Materials 12.67
    Consumer Staples 14.3
    Health Care 14.3
    Cash and Equivalents 15.2
    Energy 2.5
    Consumer Discretionary 20.7
    Information Technology 4.2
    Financials 5.6
    Industrials 6.1
    Utilities 7.3
    Communication 9.7

    Disclaimer

    This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

  • Sukuk

    The essence of Sukuk is to provide Ethical compliant instruments for investments which do not involve interest and excess uncertainty. It is a primacy of equity financing. The Sukuk holder has an ownership on the underlying asset which is entitled for revenues generated from the Sukuk asset unlike the bondholder who is eligible to receive interest payments by the bond issuer. The Sukuk limits the value of debt to that of the underlying. It must be asset backed or asset based and interest free. Reasons we chose this asset class: - Limits debt to value of underlying asset - Interest free - Islamic based

    Reasons we chose this Asset Class:

    • Limits debt to value of underlying asset
    • Interest free
    • Islamic based
    • Primacy of equity financing

    Disclaimer

    This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

  • Gold

    Commodities as an asset class have had historically low correlation with stocks and bonds. We have included gold to represent this asset class. Gold provides the potential for long-term capital appreciation and acts as an inflation hedge. The gold ETF included in our portfolio effectively captures the price volatility of gold in the spot market, thereby generating a return that is similar to the returns in the spot market. Reasons we chose this asset class: - Diversification benefit - Direct exposure to gold prices

    Reasons we chose this Asset Class:

    • Diversification benefit
    • Direct exposure to gold prices
    • Overseen by our trusted Ethical Review Board

    Disclaimer

    This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

All designed to help you
get better results.

  • Diversified

    You'll be invested in hundreds of individual companies, Islamic bonds, and commodities, ensuring your concentration risk to one security is limited

  • The investment funds we use are efficient and low cost. Every penny you save on expenses can help you achieve higher returns.

  • Our investment committee uses the modern portfolio theory to build portfolios that seek to maximize your return based on your risk profile.

Our Portfolios

You'll be investing in a portfolio that has a healthy mix of different companies and investments
from numerous industries. This helps you achieve a steady return.

Disclaimer

This chart was intended for illustrative purposes only. Past performance is not a guarantee of future results. All investments include some risk, including the possibility of loss of principal.

Backed by Nobel Prize
winning research and an
expert investment committee

In other words, we work really hard and are committed to helping you generate returns. Whether you're starting early or preparing for retirement, we'll have a portfolio for you.

We make sure your portfolio is diversified regardless of your account size. This is halal investing the way it should be.

Becoming a halal
investor is easy

Open your account in minutes.