We understand that making the right financial decision is imperative for all clients and in 2014 we launched TAM Sharia - a range of investment portfolios for Islamic clients, which aim to protect and grow their wealth in a Sharia-compliant manner.
Our investment team follow a rigorous selection process when picking funds for the Sharia investment portfolios. The team will only select a fund that adheres to a stringent and comprehensive investment process, which screens stocks to ensure only companies whose main business or activities are compliant with the principles of Sharia law.
The funds selected are expected to invest in shares of companies that:
• Only provide Islamic ﬁnancial services, and no interest related services.
• Do not manufacture / sell products or services not approved by the Sharia -pork, liquors, tobacco, gambling, pornography etc.
• Do not have interest revenue exceeding a certain % of total revenue (usually 5%), unless it is given to charity.
• Do not have a certain % of non-liquid assets.
The principles of Sharia are often considered slightly different by various Sharia fund managers we may use. TAM therefore invest in funds that aim to be compliant with the principles of Islam.
TAM Sharia clients have a choice of five risk profiled portfolios that span the risk spectrum from more defensive lower risk returns, through to more adventurous equity based investment returns.
The diagram is for illustrative purposes only. The value of investments, and the income from it, may go down as well as up and may fall below the amount initially invested. Weightings may deviate from these levels at the Investment Team's discretion whilst staying within speciﬁc guidelines, so the above asset allocation is intended as a guide only.
Access to professional discretionary management without incurring premium costs.
Pre Investment Proposal
We produce a comprehensive report which clearly focuses on investment objectives, risk rating and asset allocation. This is provided to all clients before they invest with TAM.
A Range of Risk Graded Portfolios
5 portfolio choices from Defensive to Adventurous
You can invest directly into the five Sharia-compliant portfolios, or use them as an underlying asset for an ISA, SIPP, Pension or Workplace Pension.
The Sharia-compliant portfolios run on TAM’s innovative platform, which allows instant valuations, performance information and asset exposure analysis.
Consolidation of Financial Assets
Our platform allows clients to view all their financial assets in one place and can accommodate for adhoc additional lump sum contributions all visible through the same state of the art online delivery.
We provide the highest levels of transparency for assets and costs in line with, and often exceeding, that required by the industry.
International Investment & Increased Diversification
The Sharia-compliant product allows for a broadly diversified investment solutions including an international element in line with the risk profile selected.
Fast and Simple Application
Once a professional adviser is registered with TAM they can download customised client reports and efficiently open accounts.
With a best of breed approach, TAM creates and manages portfolios diversified not only by underlying investment asset and sector, but also by manager and corporate provider. This is essential to adding value to client portfolios. Depending upon the selection of risk profiled portfolios TAM uses OEICS, unit trusts, exchange traded funds and structured products to access a broad range of assets including equities, fixed income, property, commodities, alternative investment and hedge funds.