EPI BALANCED FUND

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.

Table of Contents

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.

Key Features:

  1. Shariah Compliance: Strictly adheres to AAOIFI guidelines and Islamic finance principles, ensuring all investments are ethically sound and interest-free.
  2. Diversified Asset Allocation:
    1. Shariah-compliant equities (45-55%): Focus on large-cap stocks in developed and emerging markets
    2. Sukuk and Islamic investment certificates (20-30%): For income generation and capital preservation
    3. Shariah-compliant REITs (2-5%): Providing exposure to global real estate markets
    4. Cash and short-term Islamic instruments (0-10%): For liquidity management
  3. Global Exposure: Invests in a mix of domestic and international Shariah-compliant securities, including emerging markets, to enhance diversification and growth potential.
  4. Income Generation: Aims to provide steady income through Sukuk investments and dividend-paying equities.
  5. Capital Appreciation: Seeks long-term growth through carefully selected Shariah-compliant stocks and REITs.
  6. Risk Management: Balances growth-oriented investments with more stable income-producing assets to manage overall portfolio risk.
  7. Benchmark Tracking: Utilizes established Islamic indices for performance measurement across different asset classes.
  8. 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.

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.
  • Edited 1 day ago

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The best of people are those who benefit others the most

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. 

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National Christian Financial Advisors, Inc. (NCFA) is minority owned and operated Independent Registered Investment Advisory Firm

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. 

The annual percentage yield (“APY”) on the deposit balances in Betterment Cash Reserve (“Cash Reserve”) is 4.00% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the “Program Banks”) and is current as of December 27, 2024. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

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