EPI MODERATE GROWTH FUND

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.

Table of Contents

The Shariah-Compliant Moderate Growth Fund

Investment Objective:

The Fund seeks to achieve long-term capital appreciation while providing moderate current income, adhering to Islamic finance principles. It aims to offer investors a growth-oriented, ethically-aligned investment approach 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. Growth-Focused Asset Allocation:
    1. Shariah-compliant equities (70-75%): Emphasis on large-cap stocks in developed and emerging markets
    2. Sukuk and Islamic investment certificates (15-20%): For income generation and portfolio stabilization
    3. Shariah-compliant REITs (3-5%): Providing exposure to global real estate markets
    4. Cash and short-term Islamic instruments (0-5%): For liquidity management
  3. Global Diversification: Invests in a mix of domestic and international Shariah-compliant securities, including significant exposure to emerging markets, to enhance growth potential and diversification.
  4. Capital Appreciation: Primary focus on long-term growth through carefully selected Shariah-compliant stocks across various sectors and geographies.
  5. Moderate Income Generation: Aims to provide a moderate income stream through Sukuk investments and dividend-paying equities.
  6. Risk-Managed Growth: Balances higher-growth equity investments with more stable income-producing assets to manage overall portfolio risk while maintaining a growth orientation.
  7. Benchmark Tracking: Utilizes established Islamic indices for performance measurement across different asset classes and regions.
  8. Ethical Investment Approach: Aligns with broader ESG principles, appealing to conscientious investors seeking faith-based and socially responsible growth 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.

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.

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.
  • 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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