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Halal InvestingMade EasyTrusted by over100,000 customersworldwide
Your HalalInvesting forthe FutureStartsTodayTalk to us about your options on 0808 169 6662or visit wahedinvest.comStart your Halal Investmentjourney from as little as 100Launched in 2015 in the USA,Wahed’s pioneering mission hascentred around the idea that allMuslims should have access toan efficient Shari’ah compliantinvestment portfolio, regardlessof their economic status.As simple as it may sound, Islamic investment options arepredominantly only available to wealthy individuals that canafford a high minimum investment amount. This phenomenoneffects Islamic Investors more, due to the lack of competitionamongst firms offering Shari’ah compliant services.Many Muslims allow their savings to depreciate and lose valuein conventional accounts, or they risk investing in non-Shari’ahcompliant products. But now for as little as 100 with Wahed,you can watch your savings grow and prepare for thoseimportant events in life, like buying a home, performing Hajj,educating your children or planning a wedding, the list isendless.As with any investment your capital is at risk, as the value of your investment cango down as well as up. If you are unsure about whether investing is right for you,please seek expert advice.
The WahedProductOverviewWahed offers a completelydigital investment solution,informed by world-classfinancial expertise andgoverned by a reputableethical review board.Wahed is able to deliver its automated investmentmanagement service at much lower costs to a globalaudience, without the constraints and inefficiencies faced bytraditional banks and financial services. We have opened upaccess to high-quality financial products for ethical investorsaround the world and in the UK.Our Investment PrinciplesWe DO NOT invest in companies that deal with the following:Halal. Simple. Easy.The best way I’vefound to invest mysavings in a halal way.Saira, LondonAs a community weneed to be strategicwith our savings andWahed now provides acredible alternative.Hamza, GlasgowEXCESS FOODSTOCKUSURIOUSINSTITUTIONSFIREARMSAs seen on
Our technology makes investing as easy as 1, 2, 3. With a host ofbenefits that provides investors with a complete peace of mind.A TransparentDigital ExperienceOpen an account in minutes and monitoryour performance at any time across alldevicesWhy Investwith Wahed?‘This company makesHalal Investing easy’Forbes Business MagazineJust 100 MinimumInvestmentWe don’t want to leave a single investorwithout access to our Shari’ah compliantplatformAccount Security& SupportWahed uses state of the art technology tosafeguard your account and personal data,whilst providing telephone support whensetting up and managing your accountPortfolio RebalancingYour portfolio is monitored and rebalancedto achieve your investment goalsLower FeesOur technology helps us reduce feesto a fraction of the industry average.No trading fees, no commissions.It’s simple and clearANNUALFEE ACCOUNT BALANCE0.99%0.49% 100 - 249,000 249,000 No Lock-in PeriodWahed Invest is a medium to long terminvestment platform. However you canplace a withdrawal request at any timeMultiple Asset ClassesInvest in a diversified portfolio across4 different asset classes including Sukuk(Islamic Bonds) and commodities
Investing in 3 Easy StepsOn registration Wahed Invest asks you a series ofbasic questions, including why you want to investand how long for. To understand whether or notinvesting is appropriate for your circumstancesand to determine your risk profile.You will then be asked about the type of account you’d liketo open, followed by how much you’d like to invest. We offertwo types of accounts, the General Investment Account andthe Stocks and Shares Individual Savings Account. You canchoose from one of our six risk profiles, ranging between veryaggressive, moderate or very conservative.All securities used in the portfolio selection process arecontinuously monitored by our ethical review panel to ensurethey comply with Shari’ah requirements. 1700 100.00 1550Deposit 1400 1250 1100 9502009 2010 2011 2012 2013 2014 2015 2016 2017 2018ConservativeModerateAggressiveHistorical Portfolio PerformanceInsights with a 1000 Investment*Begin your halal investment journey with just 100, whether it’s for excess savings ora tax-advantaged savings through a Stock & Shares Individual Savings Account (ISA)* Past performance is not a guide to future performance, nor a reliable indicator offuture results or performance. The returns are shown in GBP and exclude Wahedor custodial fees. Actual returns may fluctuate due to currency fluctuations. Data issourced from Bloomberg.1.Sign Up Online atwahedinvest.comChoose your investment planand open your account withinminutes.2.Deposit FundsTransfer funds into your account,we will invest them on your behalf,based on your risk profile.3.Monitor Your HalalInvestmentsMonitor your performance andview your holdings at anytime.As with any investment your capital is at risk, as the value of your investment cango down as well as up. If you are unsure about whether investing is right for you,please seek expert advice.
Our InvestmentMethodology5 Key StepsSimply put, Wahed aims to deliver a digitalinvestment platform that maximises thelong-term, net-of-fee real investment returnfor each client’s particular tolerance for risk.3.4.Optimal portfolios are identified using Modern PortfolioTheory (MPT) and combine a broad set of asset classes,each usually represented by a low-cost, passiveexchange-traded fund (ETF).Modern Portfolio Theory is the most widely acceptedframework for managing diversified portfolios.The economists who developed MPT, Harry Markowitz andWilliam Sharpe, received the Nobel Prize in Economics in1990 for their ground-breaking research.12345Identify a diverse set of assetclassesSelect the most appropriatesecurities and/or funds torepresent each asset classApply Modern Portfolio Theoryto construct asset allocationsthat maximise the expectednet-of-fee return for each levelof portfolio riskDetermine your risk toleranceto select the allocation that ismost appropriate for youMonitor and periodicallyrebalance your portfoliotaking advantage of dividendreinvestmentWahed is an investment service that helps you invest your money in a diversified assetportfolio. You can choose from one of six risk profiles. An example of a moderate riskportfolio is shown above.
Your InvestmentProjectionsThe chart opposite is an illustration of whatyour investment could look like over thecourse of 30 years, with a 5,100 startingdeposit and a recurring monthly deposit of 200 on a moderate risk profile.Visit our website at wahedinvest.com and usethe Goal Calculator Tool towards the bottomof the homepage and submit your preferredfigures to simulate different projections.Starting Deposit 5,100Risk LevelModerateRecurring Deposit 147,450 65,100 101,867 53,100 200 20,477 17,100Weekly 207,262 77,100 40,653 29,100 67,128 41,100WAHED ACCOUNTMonthlyCASH AT BANKTodayIMPORTANT INFORMATION: The value of an investment can go down as well as up so you could get back less thanhas been paid in. The figures shown are not a reliable indicator of potential investment performance. This is anexample only, based on the assumptions used, including a fixed growth rate over the full term. It’s important tokeep in mind that the final value of your investment could be markedly different, depending on the actual growthrates. Please remember that inflation will reduce the spending power of any money you get back. These returnsinclude Wahed fees. Annual fees are 0.99% for accounts up to 249,000 and 0.49% for accounts over 249,000.Year 5Year 10Year 15Year 20Year 25Year 30
With Wahedyou are inSafe Hands 85,000COMPENSATIONSCHEMEClients are covered bythe Financial ServicesCompensationScheme.Wahed is overseen by some of the worlds most highly regulatedjurisdictions and is authorised by the UK Financial Conduct Authority.Licensed &RegulatedWahed Shari’ahBoard (AAOIFI)InstitutionalBackersRegulated by the SecuritiesExchange Commission (SEC)in the United States of Americaand authorised and regulated bythe Financial Conduct Authority(FCA) in the United Kingdom.Wahed has a renownedthree person Shari’ah Board.Investments are screened forthe presence of interest or Ribaas well as certain debt ratios. Weadhere to the Accounting andAuditing Organisation for IslamicFinancial Institutions (AAOIFI)globally recognised Islamicinvestment standard.Wahed is funded by a diversegroup of Institutional andprofessional investors who believein the long term vision andsuccess of the enterprise.Wahed Invest Limited aremembers of the Financial ServicesCompensation Scheme, whichprovides customer protection ofup to 85,000 per person per firm,if Wahed Invest Ltd is declared indefault. This doesn’t cover lossesincurred through investmentperformance or if you get backless than you originally invested.Wahed as a company ensuresthat all contracts, processes anddecisions are taken in compliancewith Islamic Ethics. We provideclients with a unique annualpurification report that includesboth the methodology employedand the calculation figure.These include; Cueball Capital,BECO Capital, Afkar Holdingsmanaging partner Mr KhalidJassim. Former JP Morgan Chasemanaging director Mr JohnElkhair. Director of McKinsey &Company Mr Laurent Nordin,former McKinsey & Companypartner Nasreddine Benaissa,Saudi Aramco EntrepreneurshipVentures, Cultiv8 (DubaiDepartment of EconomicDevelopment) and Rasameel.
PurificationMethodologyPurification is the cleansing process that requiresany investment income that might have beengenerated from unlawful activities according toIslamic principles be given to charity.Our Shari’ah Board calculates the purification amounts and accrues itdaily for all securities. This is calculated by considering the following: The number of shares of each security The net income per share for each security The number of days held for each securityWe provide you with a unique annual purification report that includesboth the methodology used and the calculation figures.Going the extra mile toensure your wealth is pureWahed Invest is the best halal investmentplatform I have come across. It is very easy to seewhere your funds are being invested, its simpleto track the performance of your portfolio andalso very straightforward to fund your accountwhenever you need to.Zakariya, Birmingham
We have a range of Shari’ah compliant accounts and soon to belaunched services, focused on helping you plan for the futureand make the most of your savings in a halal way.General InvestmentAccount (GIA)Stocks & Shares IndividualSavings Account (ISA)As described in this brochure, the Wahed GeneralInvestment Account allows individuals to invest inour portfolio based on their risk profile.Set up an ISA with Wahed. An ISA is a tax-freesaving account, which lets you save or investmoney up to a certain amount without paying taxon your returns.The minimum you can start saving with is 100with no upper limits. All income, gains and lossesare subject to tax. Wahed does not offer tax advice,it is best to seek advice from a professional taxadviser or your accountant. Wahed will issue youwith annual tax certificates outlining any dividendincome and capital gains or losses made withinthe tax year. You can use this information to helpcomplete your tax returns.The WahedProduct RangeBusiness AccountsThe Wahed Business Account is a new businessInvestment account aimed at helping businesseswith tax efficient investment growth. For furtherdetails please contact our customer service team.Any given tax year will have an ISA allowance. Thetax year runs from April to April. This means youhave until a specific date in early April of that taxyear to use up your ISA allowance. When a new taxyear starts you will have a brand-new ISA allowance.This happens on the first day of every new tax year.If you do not use all your ISA allowance before theend of the tax year it will expire and you cannotcarry forward any unused ISA allowance from oneyear to the next. Regardless of your rate of tax, youwill not pay any income tax on money saved in anISA, as long as you do not pay in more than yourallowance each tax year.
Our services arefocused on helpingyou plan for thefuture and makingthe most of yoursavings in a halal way.Self-Invested PersonalPensions (SIPPs)WorkplacePensions (WP)Wahed has formed a partnership with OptionsUK, who will be offering a Shari’ah Compliant SelfInvested Personal Pension (SIPP) utilising WahedInvest’s portfolio services. Not everyone wants apension company deciding how their pensionsavings are invested. Some people want to controlwhere their money goes and how it grows. This iswhere SIPPs can provide an alternative. If you areself-employed, own a business or have opted out ofyour workplace pension then a SIPP could be rightfor you.Wahed has also formed a partnership with OptionsCorporate Pensions Ltd to offer Halal workplacepensions, by using the Wahed models as the Shariadefault in the Options Workplace Pension Trust.Put simply a SIPP is a flexible pension thatgives you choices. Traditional pensions limityour investment choice to a shorter list of fundsnormally run by a pension company’s own fundmanagers. With a SIPP you have a wider rangeof options from which you can choose, includingcommercial property. A SIPP can be set up on anexecution only basis, though you don’t need to, wealways recommend you take independent financialadvice from a qualified and regulated firm orindividual. SIPPs can also be suitable for peoplewho want to gather all of their pensions into onepot before they retire, or for those who want tokeep their money invested after they retire so thatthey can draw down an income from it.Both your employer and you must makecontributions into a workplace pension. Currentlythe minimum is 8% of salary with the employerlegally obliged to pay 3% and the remainder paidby the employees with tax relief coming fromHMRC. Most current workplace pensions aredefined contribution pensions. This means thatthe amount you have in your pension plan onretirement depends on how much you’ve paidinto your pension and how your investments haveperformed over time.A workplace pension helps you save for yourretirement and is arranged by your employer.Both you and your employer have to pay into itunder Auto Enrolment rules. Contributions aretaken directly from your wages and paid into yourpension.For further details on SIPPs or Workplace Pensionsplease contact our customer service team.
Global Management TeamThe Wahed management and investment teams, board of directors and advisorsconsist of seasoned professionals, industry leaders and scholars.Junaid Wahedna (CEO)CMA, CAIA, CDIFJunaid is the CEO and founder ofWahed Inc. A graduate in IndustrialEngineering and OperationsResearch from Columbia Universityin New York. Whilst studying heserved as the Managing Editor ofThe Columbia Financial Review Hewas a formerly involved in merchantbanking, serving as a financialanalyst at M Capital Group (MCG).Musa Abdul-BasserChief Legal & ComplianceOfficerA licensed capital markets attorneywith a law degree from GeorgetownUniversity Law Center and a BAfrom Wesleyan University, majoringin international relations. Musa hasover 15 years of experience rangingfrom Wall Street private practice toAM Law 100 law firms.Kareem TabbaaChief Product OfficerMehdi BenslimaneHead of StrategyKareem leads and executes thecompany’s product and growthplans. Prior to Wahed, Kareemworked in investment bankingat Goldman Sachs in London. Hegraduated with honors from CassBusiness School where he focusedon Banking and InternationalFinance.Mehdi has more than 11 years ofexperience working for SocieteGenerale, Morgan Generale,Morgan Stanley and BNP Paribasbefore joining Wahed. He has aMS in Finance from ESSECBusiness School and a BA fromParis-Dauphine University.
UK Management TeamA Dedicated Investment TeamThe Wahed Investment Committee consists of experts and industry professionals.Aris ParvizHead of UK BusinessTrevor DaviesChief Compliance OfficerWith a decade of experiencein operations management,business strategy, growth andfinance, Aris is an accountinggraduate from George MasonUniversity. His backgroundincludes providing advisoryservices at Deloitte and KPMG.Trevor is a senior compliance professionalwith over 25 years experience inregulated financial services. Hepreviously worked with Al Rayan Bank,formerly the Islamic Bank of Britain,United Bank UK and NatWest, a part ofthe Royal Bank of Scotland Group. He isresponsible for the company’s adherenceto all regulatory frameworks.Abul UddinBusiness DevelopmentManagerAbul joined Wahed having spentnearly 20 years in the wealthmanagement industry. He hasworked as an authorised investmentand wealth management advisorfor a range of banks includingKleinwort Hambros Private Bankand HSBC managing portfolios ofhigh net worth clients.Navid GorayaSamim AbediManaging Director of WhiteOak Advisors Inc, New York,USA. Former ManagingDirector and Global Head ofWealth Management HSBC,New York USAGlobal Head of Portfolios, WahedInc. Former Global Investmentsand Fixed Income InvestmentStrategy Advisor at JP Morgan andformer member of Trading andInvestments at Google.Professor Jahangir SultanOmar BassalProfessor of Finance, BentleyUniversity, Boston, USA.Advisory Board Member atArtico Partners, Zurich andGreen Technologies Ltd, NewYork, USAHead of Asset Management atMASIC. Former Portfolio Manager ofAzzad Asset Management, Inc andEquity Analyst at Profit InvestmentManagement, LLC (InvestorResources Group). He also workedat Merrill Lynch’s private wealthmanagement group.
A Renowned EthicalShari’ah Review BoardSheikh MuhammadAhmad SultanShaikh Muhammad procured hisMasters A’alamiyah in Fiqh andUsool ul Fiqh from Jami’ah AhsanUl Uloom and attained a BA inIslamic Sciences from JamiaDarul Uloom. He has workedpredominantly in financialservices along with retail andinvestment banking.Dr. Aznan HasanDr Aznan is a globally renownedShari’ah Scholar who has beenactively involved with thedevelopment of internationalIslamic Finance, havingspecialised in Islamic CommercialLaw, Islamic Banking and IslamicLegal Theory.Board of Directors & AdvisorsKhalid Al JasimFeras KandariMufti Faraz AdamDirector at Afkar Holdings.Former Director,ArcapitaBankMufti Faraz completed an Alimiyyahprogram in the UK and thengraduated from the Iftaa course inSouth Africa. He holds a Master’sDegree in Islamic Finance, Bankingand Management from NewmanUniversity and currently servesas a full-time Zakat advisor andresearcher at the National ZakatFoundation.Managing Director RosetteMerchant Bank UK. Formermember of Treasury,National Bank of KuwaitSalman T. JaffreyNasreddine BenaissaChief InvestmentOfficer at Saudi AramcoEntrepreneurship Ventures,former Chief Financial Officerat Saudi Aramco EnergyVenturesManaging Partner, EastgateCapital, DIFC, former partnerMcKinsey & CompanyAli RahimtullaLaurent NordinPartner at Cue Ball Capital.Former Vice President, FinancialInstitutions Group at GoldmanSachsLaurent Nordin co-founded capital Dafter 22 years with McKinsey&Company.He started with the Paris office in 1995,became a Partner in 2001 and moved toDubai to co-lead and grow theMiddle-East office (now 450 consultantswith 5 locations).
Revolutionising Halal InvestingLondon, United Kingdom50 Liverpool StreetLondon EC2M 7PYDubai, UAE#103, HDS Business Centre,Cluster M, JLT, P.O Box 336730New York, USA12E. 49th StreetSuite 7-123, NY 10017Kuala Lumpur, Malaysia 1stFloor, 43 Jalan Nova U5/7640150 Shah Alam SelangorWashington DC, USA1775 Tysons BoulevardVA 22102, WashingtonMumbai, India6th Floor, 3 Guru Nanak RoadBandra (West), 4000500808 169 6662wahedinvest.comuksupport@wahedinvest.com Registered in England and Wales (Company No. 10829012). Registered office: 50 Liverpool Street, London EC2M 7PY, UK.Wahed Invest Limited (Reference number: 833225) is authorised and regulated by the Financial Conduct Authority.Please visit www.wahedinvest.com for full terms & conditions. No representation or warranty, express or implied is made or given by or on behalfof the author. Wahed or its affiliates as to the accuracy and completeness of the information contained herein and no responsibility or liabilityis accepted for such information. By accepting this document in its entirety, the recipient acknowledges and accepts the foregoing statement.
Halal Investing Made Easy. As simple as it may sound, Islamic investment options are predominantly only available to wealthy individuals that can afford a high minimum investment amount. This phenomenon effec
