Introducing Shariah Global Portfolio

5 minute read

You shouldn't have to choose between your principles and your financial goals. Yet that's the trade-off many investors face when seeking value-aligned investment options, having to navigate through limited options, higher fees, or unclear standards when investing ethically.

That’s why we built the Shariah Global Portfolio: to combine Islamic finance principles with our globally diversified, data-driven investment strategy. Whether you’re looking for fully certified, shariah-compliant investments, or want a portfolio grounded in ethical finance, these portfolios ensure your money works hard while staying aligned with your values.

Key features

• Shariah-compliant assets: All underlying holdings are reviewed to ensure compliance, screening for riba (interest), maysir (speculation or gambling), haram sectors, and high-debt companies.
• Global diversification: Capture long-term growth potential from markets around the world through screened equities, sukuk, and physical gold.
• No-fuss investing: No minimum amount, no lock-ins, and the same low fees across our portfolios, so more of your money stays invested and working for you.
• Data-driven investing: Our ERAA® framework monitors data and adjusts for macroeconomic cycles to maintain your chosen risk level while optimising for long-term returns.

Shariah investing across the globe

Shariah-compliant portfolios aren’t just for Muslim investors – in fact, they share much in common with other values-based approaches, like environmental or social impact investing, using a clear, rules-based framework applied consistently.

Islamic finance avoids interest-bearing instruments, excessive speculation, and sectors such as alcohol, gambling, and tobacco. In the fixed income space, Islamic finance uses sukuk instead of conventional bonds – asset-backed, interest-free instruments that generate returns through profit-sharing or rental income rather than interest.

Over the past decade, shariah-compliant global equities have matched or outperformed their conventional counterparts. With total global Islamic finance assets projected to grow from US$4.9 trillion in 2023 to US$7.5 trillion by 2028, the opportunity set for investors is only expanding.

How it works

The Shariah Global Portfolio is built with certified shariah-compliant assets that work together across market cycles, each serving a distinct role. This global mix means you capture opportunities across economies, sectors, and regions – all while staying fully aligned with Islamic finance standards.

• US equities: Exposure to leading US companies in sectors such as technology and healthcare. All holdings are continuously screened to meet Islamic investment principles.
• Developed market ex-US equities: Diversification into established economies such as Europe, Japan, and Australia for added global exposure.
• Emerging market equities: Access to the growth potential of fast-developing markets across Asia, Latin America, and other emerging regions.
• Gold: Physical safe-haven asset with intrinsic value to help protect against currency fluctuations and market volatility.
• Global sukuk: Asset-backed, interest-free instruments that generate returns through profit-sharing or rental income, providing stability and steady income.

Made for various investor types

Whether you're investing for religious reasons, ethical principles, or simply drawn to a quality-focused screening approach, the Shariah Global Portfolio can serve multiple purposes in your financial strategy:

• Align your financial strategy with your values: Invest confidently knowing every asset meets Islamic investment standards, with ongoing compliance monitoring handled automatically
• Build a core portfolio: Establish a foundation for long-term wealth building – select from four risk levels from moderate to very aggressive to match your desired risk level
• Access international opportunities: Capture growth from global markets and high-growth sectors like technology and emerging markets, all within shariah guidelines

How to get started

The Shariah Global Portfolio combines the principles you believe in with the global opportunities that can grow your wealth over the long term. With ongoing compliance monitoring and a data-driven investment framework, you can invest confidently knowing your portfolio is both performance-focused and aligned with Islamic finance standards.

Ready to invest with purpose? There’s no minimum investment – start with an amount that works for you and build over time through regular contributions or one-off deposits.

1. Create your portfolio: Choose a risk level from Moderate to Very Aggressive
2. Set up your deposits: One-time or recurring, whatever suits your plan
3. Let it grow: ERAA® reoptimises your portfolio automatically when needed