With a best of breed approach, TAM creates and manages portfolios diversified not only by underlying investment asset and sector, but also by manager and corporate provider. This is essential to adding value to client portfolios. Depending on the risk graded portfolio selected, TAM uses OEICS, unit trusts, exchange traded funds and structured products to access a broad range of assets including equities, fixed income, property, commodities, alternative investment and hedge funds.
Low cost
Access to professional discretionary management without incurring premium costs.
Pre-investment report
We produce a comprehensive report which clearly focuses on investment objectives, risk rating and asset allocation. This is provided to all clients before they invest with TAM.
A range of risk graded portfolios
5 portfolio choices from Defensive to Adventurous
Accessibility
You can invest directly into the five Sharia-compliant portfolios, or use them as an underlying asset for an ISA, SIPP, or Workplace Pension.
TAM Platform
The Sharia-compliant portfolios run on TAM’s innovative platform, which allows instant valuations, performance information and asset exposure analysis.
Fast and Simple Application
Once a professional adviser is registered with TAM they can download customised client reports and efficiently open accounts.
Transparency
We provide the highest levels of transparency for assets and costs in line with, and often exceeding, that required by the industry.
International investment and increased diversification
The Sharia-compliant product allows for a broadly diversified investment solutions including an international element in line with the risk profile selected.
The funds selected are expected to invest in shares of companies that:
The principles of Sharia are often considered slightly different by various Sharia fund managers we use. TAM therefore invest in funds that aim to be compliant with the principles of Islam. Any cash which forms part of the investment strategy is segregated and held on deposit with Al Ryan Bank who are approved by the Sharia Supervisory Committee. However, this is not always possible and cash may from time to time be held on deposit with Pershing Securities Limited, who are not compliant with Islamic investment requirements.
Risk management
TAM Sharia clients have a choice of five risk profiled portfolios that span the risk spectrum from more defensive lower risk returns, through to more adventurous equity based investment returns.
Defensive
Sharia Defensive seeks to generate modest returns higher than cash in the bank over the medium term with potential for consistent though constrained capital growth. The portfolio has a more defensive approach to equity exposure compared to Sharia Cautious - typically comprising of 15% equity and 85% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.
Cautious
Sharia Cautious seeks to generate modest capital growth higher than bond-based returns over the short to medium term by employing a more cautious investment strategy than Sharia Balanced. The portfolio will have a modest approach to equity exposure - typically comprising of 35% equity and 65% non-equity - though weightings may deviate within set parameters, allowing our managers to react to market conditions.
Balanced
Sharia Balanced seeks to generate capital growth over the medium to longer term, with the aim of riding out short-term fluctuations in value. The portfolio will have a more balanced approach to equity exposure compared to Sharia Growth - typically comprising of 50% equity and 50% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.
Growth
Sharia Growth seeks to generate higher capital growth over the medium to long-term by employing a more dynamic investment strategy. The portfolio will have a higher exposure to equities compare to Sharia Balanced - typically comprising of 70% equity and 30% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.
Adventurous
Sharia Adventurous seeks to generate strong capital growth over the longer term and can experience frequent and higher levels of volatility than Sharia Growth. The portfolio will have a large exposure to equities - typically comprising of 85% equity and 15% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.
