Risk-graded portfolios aligned to Islamic investment principles
TAM Sharia-Compliant Model Portfolios are designed for clients who wish to invest in line with Islamic principles while benefiting from a professionally managed, risk-graded portfolio framework.
The portfolios apply the same investment discipline used across TAM’s wider model portfolio services, adapted to meet Sharia compliance requirements.
What are TAM Sharia-Compliant Portfolios?
TAM Sharia-Compliant Model Portfolios are discretionary, risk-graded portfolios constructed within the constraints of Islamic investment principles.
They are designed to support advisers whose clients require Sharia-compliant solutions, while maintaining consistency with TAM’s broader approach to portfolio construction, risk management, and governance.
What TAM Sharia portfolios are – and are not
TAM Sharia portfolios are:
- Discretionary, risk-graded model portfolios
- Constructed within Sharia compliance constraints
- Managed within TAM’s established risk framework
- Fully transparent, with daily liquidity
TAM Sharia portfolios are not:
- Unconstrained investment strategies
- Guaranteed or capital-protected products
- Designed to maximise diversification
Investment principles and constraints
Sharia-compliant investing is governed by defined principles that shape portfolio construction and risk management.
Key considerations include:
- Exclusion of interest-based instruments
- Avoidance of prohibited sectors and activities
- Use of Sharia-compliant equities, sukuk, and approved instruments
- Ongoing monitoring to ensure continued compliance
These constraints reduce the available investment universe relative to conventional portfolios and may result in higher concentration and reduced diversification.
Risk-led portfolio construction
TAM Sharia-Compliant portfolios are aligned to defined client risk profiles and managed within those parameters.
Risk is assessed and managed at portfolio level, with ongoing monitoring to ensure continued alignment with both Sharia requirements and the stated risk profile.
How advisers typically use TAM Sharia portfolios
TAM Sharia-Compliant portfolios are commonly used:
Practical information
- Available in GBP, USD, and EUR
- Minimum investment of £7,500 or currency equivalent
- Daily dealing and full transparency
- Custody provided by Pershing, a BNY Mellon company
- Compatible with pension, trust, and wrapper structures where supported
Important information
TAM Sharia-Compliant Model Portfolios are discretionary portfolios. The value of investments can fall as well as rise, and returns are not guaranteed. Due to Sharia constraints, diversification may be more limited than in unconstrained portfolios. Past performance is not a reliable indicator of future results.
