EPI CONSERVATIVE FUND

Conservative Portfolio

The Shariah-Compliant Conservative Fund maintains a cautious approach with a slightly higher equity allocation compared to the Very Conservative option.

Table of Contents

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:

  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. Primarily invests in Sukuk and other Islamic investment certificates (65-80%)

    1. Allocates to large-cap Shariah-compliant equities (15-25%)

    1. Limited exposure to Shariah-compliant REITs and emerging markets (0-10%)
  3. Income Generation: Aims to provide steady, conservative income through Shariah-compliant fixed-income alternatives and dividend-paying equities.
  4. Capital Preservation Focus: Emphasizes stability and protection of investor capital through a conservative asset mix.
  5. 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.
  6. Reduced Interest Rate Sensitivity: Focuses on Sukuk with decreased duration risk, offering a strategic alternative to traditional fixed-income investments.
  7. 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, 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.

Conservative Portfolio

The Shariah-Compliant Conservative Fund maintains a cautious approach with a slightly higher equity allocation compared to the Very Conservative option.
  • 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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