Investment Planning & Trade Finance Opportunities.
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1 Investment Planning & Trade Finance Opportunities
2 AGENDA About our Company & Services Islamic Financial Planning Investment Planning Trade Finance Opportunities
3 ABOUT US Independent Financial Advisors, offering Sharia compliant financial solutions. Authorised and Regulated by the Financial Services Authority. Sharia compliant financial solutions only. Established network with the Islamic financial services providers, allowing us to seek new investment opportunities for our clients. Proficient and experienced team with over 30 years of experience within the financial services industry. Our emphasis is on developing a long term relationship with our clients, providing a trusted source of advice as their financial needs change over time.
4 BENEFITS. Knowledge The key to making good decisions Financial Planning Spreadsheet (via ) Personal Balance Sheet Key information on all your financial plans Easy to review finances Review performance & Investments Complete financial statement Free Confidential Consultation Simply Sharia Newsletter Complete Invitation Card
5 OUR SERVICES Investment planning & advice: Portfolio management, advice on ISAs, unit trusts, OEICs, ETFs, onshore bonds, offshore bonds, property and commodity investments. Individual retirement solutions: Pension portfolio management, SIPPs, PPPs, pension transfers, income drawdown, phased retirement and QROPS. Corporate pension solutions: SSAS, GPP, EFURBS, help you reduce the current tax obligations of your business and build wealth for the future, while also attracting and retaining high quality employees. Tax planning: Income tax planning, capital gains tax planning, inheritance tax planning and corporate tax planning. Estate planning: Wealth protection & growth, Inheritance tax planning, trust planning and Islamic wills. Protection: Current lack of products
6 ISLAMIC FINANCIAL PLANNING Is about getting the right balance between the Creation Accumulation Protection Purification Distribution Of wealth based on Sharia in order to seek a good life in This World The Hereafter
7 Investment Planning Sharia Compliance Investment Advice Service & Process Risk v Reward The Big Problem!!! Constructing a Portfolio Our Approach Examples of Past Performance
8 SHARIA COMPLIANT INVESTING I Sharia compliant investments are investments that meet the guidelines set by Muslim scholars based on the teachings of Islam (Quran and Sunnah). Before investing, an Islamic investor needs to take into consideration various aspects about the company to determine if the investment is permissible from a Sharia point of view. These considerations can be broadly categorised into the following: - Activities (i.e. nature of the business being conducted including ancillary activities) - Capital Structure (i.e. leverage ratios) - Tradability (i.e. level of liquid and financial assets) - Unlawful Income (i.e. interest income) Investment Guidelines: The Islamic funds available to a client will invest in companies that meet both the qualitative and quantitative criteria.
9 SHARIA COMPLIANT INVESTING II Qualitative Criteria: Investment funds must not hold investments in the following sectors: - Conventional financial services (banking, insurance, etc) - Alcohol & Tobacco - Pork related products - Weapons and defence - Gambling - Entertainment (hotels, casinos, cinema, night clubs, pornography, prostitution, music, etc) Quantitative Criteria: Investment funds will hold investments in companies that follow the following financial criteria: - Total debt/market capitalisation < 33% - Interest income/ total revenue < 5% - Account receivable/total assets <45%
10 INVESTMENT ADVICE SERVICE Understanding your objectives, needs and risk appetite through fact find and risk profile questionnaire. Independent financial advice on all areas of investment including: - ISAs - Unit trusts and OEICs - ETFs - Onshore and offshore bonds - Commodities - Investing for retirement. Access to market leading Sharia compliant investment products. Advice on restructuring your existing investments in line with your objectives.
11 INVESTMENT ADVICE PROCESS Step 1: Investment Risk Analysis Step 2: Asset allocation - Cash/ money markets - Equities - Sukuk (Islamic bonds) - Property - Commodities Step 3: Fund selection Step 4: Tax wrapper planning - ISA - Onshore bond - Offshore bond - Pension Step 5: Investment recommendations Step 6: Ongoing investment portfolio management
12 RISK v REWARD High Risk Potential Rewards Low Risk Please note this diagram is only intended to be general indicator of relative risk and may vary in certain circumstances.
13 Tax Perspective Effective tax planning will ensure that existing tax allowances and tax saving vehicles are utilised to minimise both income tax and CGT. Tax wrappers available at Simply Sharia: - Individual Savings Account (ISA) - Onshore Bonds - Offshore Bonds - Pensions
14 ASSET ALLOCATION Asset allocation is an important aspect of any investment strategy. Vital for minimizing risk and maximizing return. Money is invested in asset classes that suits your risk profile. Diversification - Don t put all your eggs in one basket. Wide investment choice currently give access to more than 20 Funds Regional coverage - USA, Japan, Europe, MENA, Emerging markets etc.
15 ASSET ALLOCATION Main asset classes: - Money market - Sukuk (Islamic Bond) - Property - Equities - Commodities (e.g. Gold, Silver, Palladium, Platinum)
16 THE BIG PROBLEM Lack of Diversification Impossible to Diversify! Forget about it! Over Reliance on the Stock Market
17 UK Stock Market 13 years Performance
18 Japanese Stock Market 21 years Performance
19 SIMPLY SHARIA APPROACH
20 INTELLIGENT INVESTING Explaining & Understanding Risk Creating a Diversified Portfolio that matches Attitude to Risk Incorporating Tax Efficient Structures AMAP Regular Monitoring & Reviews Being Pro- Active Responding to Trends Annual Valuations Real Time Valuations at any time Focus on the Short Term! No Commission Bias Use a Wrap Platform
21 WRAP PLATFORM ADVANTAGES I Consolidating your existing Investments: Easier to Value, Monitor and Manage your Portfolio. Less Paperwork & Admin Headache Access to huge Investment Universe High minimum investment contribution Diversification Create a truly Diversified, Bespoke portfolio. On Line Access: View your whole portfolio any time Instruct fund switches
22 WRAP PLATFORM ADVANTAGES II Investment focus and strategy can be quickly and efficiently changed. Simpler Administration Cost Effective Access funds at their Cost Price Preferential Terms More control over your portfolio and investment decisions
23 Asset Allocation Normal Approach High Risk My Portfolio Medium Risk Low Risk
24 Asset Allocation Our Approach Specialist/ Property Volatile My Portfolio Do Nothing Low Volatility
25 Low Volatility Not investing in the Stock Market Little or No Correlation Types of Fund Ground Rent Student Accommodation Sukuk
26 Low Volatility 10 year Performance
27 Volatile Sharp Fluctuations Lose Money Quickly High level of Correlation (especially during a crisis!) Types of Fund Equity Mature/Developed UK, US, Europe & Japan Emerging Brazil, Russia, India & China, SE Asia, E Europe, SE Asia Frontier Middle East, Africa. Specialist Sectors Natural Resources, Commodity, Energy, Green Precious Metals Gold, Silver, Platinum, Palladium
28 Volatile: Gold v FTSE Performance From Jun 07
29 Specialist Usually niche property funds Emerge to take advantage of current property market opportunities Usually Illiquid & High level of Risk Types of Fund Property Development Development Land Buy to Let Overseas Off Plan Single Commercial Property
30 ASSET ALLOCATION: UK EQUITIES - Islamic vs Non-Islamic
31 ASSET ALLOCATION: US EQUITIES - Islamic vs Non-Islamic
32 Trade Finance Opportunities Dominated by Banks and Institutional Investors Very good Growth & Profit Opportunities An opportunity for Retail Investors to benefit An opportunity for banks/institutions to tap into retail investor funds Needs to structured as a fund Increase attractiveness of fund by making it available via a Investment Platform For distribution link up with Islamic Retail Banks, Financial Advisers specialising in Islamic Investment Planning
33 Finally.. Informative & Thought Provoking Free Confidential Consultation Free Financial Planning Spreadsheet (By ) Siimply Sharia Newsletter Complete Invitation Card WEBSITE PHONE
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