The Ethical Pathway Investment Portfolios (EPI)
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Ethical Pathway Investment Portfolios: Shariah-Compliant, Value-Driven Solutions
Our Ethical Pathway Investment Portfolios offer a range of Shariah-compliant investment strategies designed to meet diverse investor needs while adhering to Islamic finance principles. These portfolios combine ethical investing with modern financial theory and advanced risk management techniques to provide value-driven, risk-adjusted solutions that align with Islamic values.
As one of North America’s premier Independent Registered Investment Advisory and wealth management firms specializing in Sharia-compliant investing, we understand your values are paramount. We empower Muslim investors to grow their wealth without compromising their principles. Our dedication lies in providing you with a comprehensive range of socially responsible, ethical, and non-leveraged investment options that align with Islamic financial principles. From carefully screened halal mutual funds and ETFs to Sukuk and other Sharia-compliant vehicles, we offer tailored solutions that respect your faith while pursuing your financial goals. With our expertise in Islamic finance, you can invest with confidence, knowing that your portfolio adheres to the highest standards of ethical and religious compliance.
Short-term Alternative Cash & Bond Preservation of Capital Fund
The Shariah-Compliant Short-term Alternative Cash & Bond Preservation of Capital portfolio has the lowest risk-return tradeoff. It primarily consists of Shariah-compliant short-term Sukuk securities, offering minimal risk exposure but also the lowest potential returns. This aligns with the principle that lower-risk investments like government various projects such as infrastructure development, etc. These sukuk are backed by tangible assets or projects and are associated with lower returns for their ultra short and short durations.
The Shariah-Compliant Short-Term Alternative Cash & Bond Preservation of Capital Portfolio Fund
Investment Objective:
The Fund seeks to provide capital preservation, stable income, and high liquidity while adhering to Islamic finance principles. It aims to offer a low-risk, Shariah-compliant alternative to traditional money market and short-term bond funds.
Key Features:
- Shariah Compliance: Strictly adheres to AAOIFI guidelines and Islamic finance principles, ensuring all investments are ethically sound and interest-free.
- Capital Preservation Focus: Primary objective is to protect investor capital through low-risk, short-term Shariah-compliant instruments.
- Asset Allocation:
- 50% Sukuk investments: Provides stable, Shariah-compliant income
- 50% Islamic money market instruments: Ensures high liquidity and capital preservation
- Low Duration: Focuses on short-term instruments to minimize interest rate risk and principal fluctuation.
- Income Generation: Aims to provide consistent, competitive returns through Shariah-compliant fixed-income alternatives.
- Liquidity Management: Designed to maintain high liquidity, allowing investors flexibility in managing their cash positions.
- Benchmark Tracking: Utilizes established Islamic indices for performance measurement, including the Dow Jones Sukuk Total Return Index.
- Ethical Investment Approach: Aligns with broader ESG principles, appealing to conscientious investors seeking faith-based and socially responsible investments.
Investment Strategy:
The Fund employs a conservative strategy, investing equally in high-quality Sukuk and Islamic money market instruments. It seeks to capitalize on the stability of Sukuk while maintaining liquidity through short-term Islamic financial certificates. This balanced approach aims to provide a steady income stream while preserving capital and ensuring ready access to funds.
The Fund is ideally suited for risk-averse investors seeking a Shariah-compliant alternative to conventional cash and short-term bond funds. It’s designed for those prioritizing capital preservation and liquidity, such as individuals managing short-term savings, institutions with cash management needs, or investors looking for a low-risk component in their broader portfolio. The Fund offers a prudent balance between capital preservation, income generation, and liquidity, all within the framework of Islamic finance principles.
Investment Strategy:
The Fund employs a conservative strategy, investing equally in high-quality Sukuk and Islamic money market instruments. It seeks to capitalize on the stability of Sukuk while maintaining liquidity through short-term Islamic financial certificates. This balanced approach aims to provide a steady income stream while preserving capital and ensuring ready access to funds.
The Fund is ideally suited for risk-averse investors seeking a Shariah-compliant alternative to conventional cash and short-term bond funds. It’s designed for those prioritizing capital preservation and liquidity, such as individuals managing short-term savings, institutions with cash management needs, or investors looking for a low-risk component in their broader portfolio. The Fund offers a prudent balance between capital preservation, income generation, and liquidity, all within the framework of Islamic finance principles.
Very Conservative Portfolio
The Shariah-Compliant Very Conservative Portfolio has a heavy allocation towards low-risk, Shariah-compliant fixed-income securities and minimal equity exposure, this portfolio maintains a low risk-return tradeoff. It offers slightly higher potential returns than the preservation portfolio, but with marginally increased risk
The Shariah-Compliant Very Conservative Fund
Investment Objective:
The Fund seeks to provide capital preservation, current income, and minimal principal fluctuation while adhering to Islamic finance principles. It aims to offer a very conservative investment approach for risk-averse investors seeking Shariah-compliant alternatives to traditional fixed-income and low-risk equity investments.
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Key Features:
- Shariah Compliance: Strictly adheres to AAOIFI guidelines and Islamic finance principles, ensuring all investments are ethically sound and interest-free.
- Capital Preservation Focus: Primarily invests in Sukuk and other Islamic investment certificates to maintain stability and protect investor capital.
- Income Generation: Aims to provide steady, conservative income through Shariah-compliant fixed-income alternatives.
- Diversified Approach: Incorporates a small allocation to large-cap, Shariah-compliant equities for potential long-term capital appreciation.
- Risk Mitigation: Employs a conservative asset allocation strategy to minimize volatility and principal fluctuation.
- Global Exposure: Includes limited exposure to emerging markets to enhance diversification while maintaining a conservative risk profile.
- Benchmark Tracking: Utilizes established Islamic indices such as the FTSE Shariah USA Index and Dow Jones Islamic World Index for performance measurement.
- Low Duration and Interest Rate Risk: Focuses on short-term Sukuk to reduce sensitivity to interest rate fluctuations.
Investment Strategy:
The Fund primarily invests in a diversified portfolio of Sukuk and Islamic investment certificates, complemented by a conservative allocation to Shariah-compliant large-cap equities. It may also include a small exposure to emerging markets for additional diversification. The Fund’s strategy is designed to balance the need for capital preservation with the potential for modest growth and income generation, all within the framework of Islamic finance principles.
The Fund is ideally suited for very conservative investors, institutions, and individuals seeking a Shariah-compliant alternative to traditional low-risk investment options, offering a prudent balance between capital preservation, income generation, and the potential for modest long-term growth.
Conservative Portfolio
The Shariah-Compliant Conservative Fund maintains a cautious approach with a slightly higher equity allocation compared to the Very Conservative option.
The Shariah-Compliant Conservative Fund
Investment Objective:
The Fund seeks to provide current income, capital preservation, and modest long-term capital growth while adhering to Islamic finance principles. It aims to offer a conservative investment approach for investors seeking Shariah-compliant alternatives to traditional fixed-income and low-risk equity investments.
Key Features:
- Shariah Compliance: Strictly adheres to AAOIFI guidelines and Islamic finance principles, ensuring all investments are ethically sound and interest-free.
- Diversified Asset Allocation:
- Primarily invests in Sukuk and other Islamic investment certificates (65-80%)
- Allocates to large-cap Shariah-compliant equities (15-25%)
- Limited exposure to Shariah-compliant REITs and emerging markets (0-10%)
- Income Generation: Aims to provide steady, conservative income through Shariah-compliant fixed-income alternatives and dividend-paying equities.
- Capital Preservation Focus: Emphasizes stability and protection of investor capital through a conservative asset mix.
- Benchmark Tracking: Utilizes established Islamic indices such as the FTSE Shariah USA Index, Dow Jones Islamic World Index, and Dow Jones Sukuk Total Return Index for performance measurement.
- Reduced Interest Rate Sensitivity: Focuses on Sukuk with decreased duration risk, offering a strategic alternative to traditional fixed-income investments.
- Ethical Investment Approach: Aligns with broader ESG principles, appealing to conscientious investors seeking faith-based and socially responsible investments.
Investment Strategy:
The Fund employs a moderate growth strategy, allocating a larger portion of assets to Shariah-compliant equities while maintaining positions in Sukuk and REITs for diversification and income. It seeks to capitalize on global growth opportunities, with a particular emphasis on emerging markets, while maintaining a strong ethical framework. The equity portion focuses on large-cap stocks with strong growth potential, while the Sukuk component provides income and acts as a stabilizer during market volatility. The small allocation to Shariah-compliant REITs offers additional diversification and growth potential in the real estate sector.
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The Fund is ideally suited for investors seeking a Shariah-compliant alternative to traditional moderate growth funds, offering a mix of capital appreciation potential with some income generation. It’s designed for those with a moderately high risk tolerance who desire a growth-oriented, ethically-aligned investment approach with a long-term perspective.
Investment Strategy
The Fund employs a conservative strategy, primarily investing in a diversified portfolio of Sukuk and Islamic investment certificates. This core holding is complemented by a measured allocation to Shariah-compliant large-cap equities for potential long-term growth. A small portion may be allocated to Shariah-compliant REITs and emerging market stocks for additional diversification and income potential. All investments are carefully screened to ensure compliance with Islamic finance principles, including the avoidance of interest-bearing instruments and adherence to ethical business practices.
The Fund is ideally suited for conservative investors seeking a Shariah-compliant alternative to traditional low-risk investment options, offering a prudent balance between income generation, capital preservation, and the potential for modest long-term growth.
Balanced Portfolio
The Shariah-Compliant Balanced Portfolio offers a more even distribution between Shariah-compliant equities and fixed-income securities. It aims to provide a balance between growth and stability, catering to investors with a moderate risk tolerance.
The Shariah-Compliant Balanced Fund
The Shariah-Compliant Balanced Portfolio offers a more even distribution between Shariah-compliant equities and fixed-income securities. It aims to provide a balance between growth and stability, catering to investors with a moderate risk tolerance.
The Shariah-Compliant Balanced Fund
Investment Objective:
The Fund seeks to achieve a balance between current income, capital preservation, and long-term capital growth while adhering to Islamic finance principles. It aims to provide a diversified investment approach for investors seeking Shariah-compliant alternatives across multiple asset classes and global markets.
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Key Features:
- Shariah Compliance: Strictly adheres to AAOIFI guidelines and Islamic finance principles, ensuring all investments are ethically sound and interest-free.
- Diversified Asset Allocation:
- Shariah-compliant equities (45-55%): Focus on large-cap stocks in developed and emerging markets
- Sukuk and Islamic investment certificates (20-30%): For income generation and capital preservation
- Shariah-compliant REITs (2-5%): Providing exposure to global real estate markets
- Cash and short-term Islamic instruments (0-10%): For liquidity management
- Global Exposure: Invests in a mix of domestic and international Shariah-compliant securities, including emerging markets, to enhance diversification and growth potential.
- Income Generation: Aims to provide steady income through Sukuk investments and dividend-paying equities.
- Capital Appreciation: Seeks long-term growth through carefully selected Shariah-compliant stocks and REITs.
- Risk Management: Balances growth-oriented investments with more stable income-producing assets to manage overall portfolio risk.
- Benchmark Tracking: Utilizes established Islamic indices for performance measurement across different asset classes.
- Ethical Investment Approach: Aligns with broader ESG principles, appealing to conscientious investors seeking faith-based and socially responsible investments.
Investment Strategy
The Fund employs a balanced strategy, allocating assets across Shariah-compliant equities, Sukuk, and REITs. It seeks to capitalize on global investment opportunities while maintaining a strong ethical framework. The equity portion focuses on large-cap stocks with potential for long-term growth, including exposure to emerging markets. The Sukuk component provides stable income and acts as a hedge against equity market volatility. A small allocation to Shariah-compliant REITs offers additional diversification and income potential.
The Fund is ideally suited for investors seeking a Shariah-compliant alternative to traditional balanced funds, offering a prudent mix of income generation, capital preservation, and growth potential. It’s designed for those with a moderate risk tolerance who desire a diversified, ethically-aligned investment approach.
Moderate Growth Portfolio
The Shariah-Compliant Moderate portfolio leans more towards growth-oriented assets while maintaining a significant portion in fixed-income securities. It’s designed for investors willing to accept higher short-term volatility in pursuit of better long-term returns.
The Shariah-Compliant Moderate Growth Fund
The Shariah-Compliant Moderate portfolio leans more towards growth-oriented assets while maintaining a significant portion in fixed-income securities. It’s designed for investors willing to accept higher short-term volatility in pursuit of better long-term returns.
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