sharia

TAM SHARIA

5 risk-graded choices Defensive to

Adventurous

Funds compliant with

Islamic Law

Regular monthly

contributions

Award-winning investment managers

Invest directly or via an ISA, Pension, Trust or

Bond

Exclusive access toYou Give We Give

charity scheme

0.5% annual management charge

(AMC)

Nominimum

investment

TAM Asset Management Ltd is an award-winning discretionary investment management company with decades of industry experience in offering forward-thinking portfolio management services to individual clients and institutions around the world.

Our team of expert investment professionals believe that every investor should have access to actively managed, diversified investment portfolios regardless of their level of wealth. This principle is also a priority for the FCA, and forms part of its mission to ensure that no group of potential investors are denied access to investment services.

Our TAM Sharia service provides investors with a range of islamic investment portfolios designed to protect and grow their wealth in a Sharia-compliant manner.

WHOWEARE

Sharia-compliant investments are governed by Islamic law. Similar to other socially responsible funds within the environmental, social and governance (ESG) universe, Sharia-compliant funds screen potential portfolio investments for specific requirements desired by followers of the Muslim religion.

The main requirement for a Sharia-compliant fund is the exclusion of investments which derive a majority of their income from the sale of alcohol, pork, pornography, gambling or weapons.

Additional requirements include the appointment of a Sharia board, an annual Sharia audit, and purifying certain prohibited types of income by donating them to charity.

WHAT IS SHARIA

INVESTING?

Our investment team follow a rigorous process when selecting funds for the TAM Sharia portfolios, conducting extensive research into the universe of sharia-compliant investments. This includes one-on-one meetings with fund managers followed by detailed desk-based analysis looking further into the fund’s investment process, portfolio positioning and performance.

The team will only select a fund that has proven to deliver on its sharia-compliant mandate, adhering to the stringent and comprehensive investment process which screens stocks to ensure only companies with Sharia-compliant business or activities are included.

The level of diversification within our TAM Sharia portfolios is dependent on the availability of funds that are considered Sharia-compliant. Due to the strict nature of Sharia investments, the universe of compliant funds is limited, tending to give rise to higher weightings of up to 25% in each individual security. Any cash which forms part of the investment strategy is segregated and held on deposit with Al Rayan Bank who are approved by the Sharia Supervisory Committee.

OUR APPROACH TO SHARIA INVESTING

3

LOWER

HIGHER

RISK/RE

TURN

POT

ENTIA

L

Defensive

DIRECTIONAL EQUITY

NON-EQUITY

TAM RISK RATING

Cautious

Balanced

GrowthAdventurous

15%

85%

65%

50%

30%

15%

35%50%

85%70%3

4

5

67

0

3 to 5 3 to 5 5 to 7 5 to 7 7+

Clients can select an investment portfolio that most closely reflects their investment return objectives and attitude to risk. We offer five risk-graded

portfolios that span the risk spectrum from more defensive, lower risk returns, through to higher risk, equity based investment returns.

EXAMPLE INVESTMENT TIME HORIZON (YEARS)

The diagram is for illustrative purposes only. The value of investments, and the income from them, may go down as well as up and may fall below the amount initially invested.

Weightings may deviate from these levels at the Investment Team's discretion whilst staying within specific guidelines, so the above asset allocation is intended as a guide only.

RISK-GRADED PORTFOLIO

OPTIONS

4

Cash

iShares MSCI USA Islamic Fund

iShares MSCI World Islamic Fund

DB X-Trackers DJ Islamic Market Titans 100

iShares Emerging Market Islamic ETF

Salam Pax SerenitySukuk Fund

Franklin Templeton Global Sukuk Fund

BNP ParibasHilal Fund

DIVERSIFICATION

ACROSSASSET CLASS

EQUITY SUKUK BOND CASH

5%

50%45%

TAM use diversification across asset class, geographical focus, and underlying funds to spread risk and exposure. The below shows a snapshot of the asset allocation and fund selection a Sharia Balanced portfolio may

invest in.

Diagram representative of a TAM Sharia Balanced portfolio. Actual funds purchased will depend on market dynamics and timing, and weightings may deviate at the Investment Team's discretion whilst staying within specific guidelines, so the above asset allocation is

intended as a guide only.

SHARIA PORTFOLIO

EXAMPLE

5

SOCIALLY RESPONSIBLE

ASSOCIATIONS

7

TAM is a proud member of the United Kingdom Sustainable Investment and Finance Association (UKSIF), who inform, influence and connect UK finance, policymakers and the public achieve a vision of a fair, inclusive and sustainable financial system that works for the benefit of society and the environment.

TAM is regularly involved in UKSIF's annual Good Money Week campaign, bringing together financial advisers, charities, faith communities, student groups and financial institutions to help grow and raise awareness of the benefits of ethical investment and finance.

The campaign seeks to let everyone know, regardless of background or income, that they have sustainable and ethical options when it comes to their finances, so that we can all have a positive impact on the environment and society without sacrificing our wealth.

Your GIA and ISA clients can benefit from the optional participation in our 'You Give, We Give’ scheme – a pioneer in charitable giving, and innovative

alternative to traditional fundraising.

The initiative provides your clients with the opportunity to donate a percentage of the annual profit from their investments, to a charity of their choice. What’s more, TAM will also donate an equal percentage from our

total annual fees.

You too can support your client's chosen charity, by donating an equal percentage from your ongoing management fee, simply by ticking the relevant box in the account opening form. We take care of everything, so you don't

have to.

YOU GIVEThe investor decides what percentage of their annual portfolio gain to donate

to charity when opening their account 1

WE GIVETAM will donate the same percentage from our total annual fees

TO A CHARITY OF CHOICEThe investor's chosen charity will receive their donation, our donation, plus

even more through HMRC Gift Aid 2

1 Maximum of 20%. 2 The eligibility of the client's nominated charity to apply for Gift Aid and the amount

they receive will vary on a case by case basis.

PIONEERINGCHARITABLE

GIVING

6

DISCLAIMER: This document is intended for use by investment professionals only. The contents of which should not be distributed to, or relied on by retail clients. This document on its own should not be taken as an offer, solicitation or recommendation to use or invest in the services and products mentioned inside. Past performance is not necessarily a guide to future returns. The investments and services mentioned in this document will not be suitable for all investors and TAM Asset Management Ltd does not give any guarantee as to the performance or suitability of an investment for a retail client. Any opinions, expectations and projections within this note are those of TAM Asset Management Ltd, do not constitute investment advice or guaranteed returns. TAM Asset Management Ltd is authorised and regulated by the Financial Conduct Authority in the United Kingdom No. 208243. Registered in England No. 04077709. Registered Office: 10th Floor, City Tower, 40 Basinghall Street, London, EC2V 5DE.

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For more information please visit WWW.TAMASSETMANAGEMENT.COM

GET IN TOUCH WITH US City Tower | 40 Basinghall Street | London | EC2V 5DE

+44(0)207 549 7650 | info@tamassetmanagement.com