Praemium Sharia Compliant Mandates 31st January 2018

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1 Praemium Sharia Compliant Mandates 31st January 2018 WHAT ARE THE PRAEMIUM SHARIA COMPLIANT MANDATES? The Praemium Sharia Compliant mandates are a set of volatility based investment strategies that give investors a wholly Sharia compliant return according to their assigned risk profile. Investments will be selected and reviewed in accordance with the investment objective, policies and limits set out in Appendix 1 of the Investment Mandate document. Only investments certified as Sharia compliant will be purchased. All investments will have been reviewed by approved Islamic scholars and the investment issued with a Fatwa. In particular no investments in the following will be permitted: Interest bearing certificates or accounts Non Islamic deposits at banks Non Islamic Insurance companies Alcohol Pork related substances Tobacco companies Gambling Pornography manufacturers, retailers and distributors INVESTMENT PROCESS PRAEMIUM ADMINISTRATION LIMITED Praemium Administration Limited is the custodian of all the securities and other assets held through the Select Service and the Investment Manager of the Investment Mandates described in this document. Praemium Administration Limited is authorised and regulated by the Financial Conduct Authority (FCA Register number ) and registered in England and Wales company no Praemium Administration Limited also administers the Select Service. Its ultimate holding company is Præmium Limited, one of Australia s leading suppliers of online financial portfolio administration and Separately Managed Account (SMA) technology. Præmium Limited is incorporated in Australia and listed on the Australian Stock Exchange. Anthony Corbett has been engaged by Praemium Administration Limited as an investment adviser. Anthony previously had developed and advised on the Sharia investment mandates at a prior firm. INVESTMENT OPPORTUNITIES General Investment Account ISA SIPP (via Pointon York esipp or Carey Pensions SIPP) Offshore Bond (via Utmost Wealth, formerly AXA) Auto enrolment pension (via Islamic Pension Trust) Each potential asset that is deemed appropriate for investment is reviewed by the Sharia compliance officer of Al Rayan Bank. His final say confirms whether the asset can be included within the service. Strategic asset allocations have been developed for each of the risk based strategies, and relative return and volatility score is attached to each asset. Praemium Administration Limited then builds the portfolios from the permitted assets that are appropriate for each strategy. Praemium Administration Limited may also provide tactical overlay to the strategic asset allocation enabling the portfolios to take advantage of shorter term shifts or market trends and also valuation differentials between the assets. CONTACT US If you would like to find out about how to invest into these funds, please contact us at: Telephone: +44 (0) sales@praemium.co.uk or anthony.corbett@praemium.com DETAILS Custodian Praemium Administration Limited Investment Manager Praemium Administration Limited Manager s Details 4 th Floor, Salisbury House, London EC2M 5QQ Investment Manager Start Date 1 st August 2012 Currency GBP Minimum Initial Investment 1,000 Minimum Additional Investment 200 ( 200 for regular payments) Minimum Withdrawal Investment 1,000 ( 40 for regular withdrawals) THE VALUE OF INVESTMENTS CAN FALL AS WELL AS RISE YOU MAY GET BACK LESS THAN YOU PAY IN Praemium Administration Limited ( ) is registered in England at Salisbury House, London Wall, London, EC2M 5QQ and is authorised and regulated by the Financial Conduct Authority under ref Reference in this document to specific securities should not be construed as a recommendation to buy or sell these securities, but is included for the purposes of illustration only. Investors should also note that the views expressed may no longer be current and may have already been acted upon by the Investment Adviser and/or Manager. The investment service may not be suitable for all Investors and if you have any doubts you should contact your Financial Adviser. (IBBFS(11/17HF)

2 Sharia Aggressive Growth Strategy Monthly Factsheet as at 31 January 2018 Objective, Policy and Profile Investment Objective To provide a high level of returns by investing almost entirely in equities and commodities, with a small working cash balance. Investment Policy Asset Allocation Asset Class Top Held Securities 96.5% 1.5% 0.0% Investments utilised are regional equity funds providing a diversified mix of global equities, a physical commodity allocation and real estate equity funds. Risk Profile You wish to invest your money with few restrictions and accept that your investments are highly volatile. There is the prospect of significant returns but with the associated risk of a large loss of capital. An allocation of up to 98% might be in equities, or equity-like investments. Holding Salam Pax SICAV Saaf Ethical Growth P Acc GBP Cash ETFS Trust GBP #N/A 96.5% 1.5% 0.0% The actual investment held at any other date may differ. Once invested, both Adviser and Investor can logon to the Sharia Platform to view an up-to-date list of notionally allocated holdings. 60% 50% 40% 30% 20% Performance & Asset Allocation Strategy Performance Composite Performance 10% 0% 6 Months 1 Year 2 Years Since Launch Returns Cumulative Performance 6 Months 1 Year 2 Years Since Launch Volatility Aggressive Growth Strategy 2.09% 6.43% 27.87% 48.74% 9.23% Aggressive Growth Strategy (composite) 3.98% 9.97% 29.81% 55.02% 9.97% Discrete Annual Performance (calendar year) Aggressive Growth Strategy 6.31% 20.94% -2.76% 7.19% 14.08% Aggressive Growth Strategy (composite) 11.29% 18.90% -2.21% 0.57% 18.21% Source: Lipper, Praemium Administration Ltd. Past performance should not be seen as a guide to future performance. The performance and volatility figures above are based on the total investor returns from an actual client portfolio from its date of inception on the Sharia Select service net of full service charges and adviser fees. For the Aggressive Growth account used, adviser charging of 0.35% per annum is included in the total costs. Performance is calculated net of all custody fees, tax, transaction fees, and any other fee that is deducted from the client account, such as annual SIPP wrapper fees. The composite benchmark uses the following indices rebalanced monthly: MSCI UK (TR) and the British Bankers Association - LIBOR 3 Month GBP. Where applicable, returns are converted to GBP using Bloomberg end of month closing rates. Actual performance data does not exist before 30 September Page 1 of 2

3 Important Information Praemium Administration Limited is authorised and regulated by the Financial Conduct Authority under reference The value of investments and the income from them may go down as well as up and you may not get back the full amount invested. Rates and bases of taxation are subject to change. The views and opinions expressed in this document are those of Praemium Administration Limited s Team. This should not be taken as a recommendation to buy or sell or as advice on how any holding mentioned is likely to perform, or as a forecast. The portfolio may not be suitable for all investors and you should contact your Financial Adviser who will give you independent advice relating to your investment choices. Whilst every care has been taken to ensure the accuracy of the information published in this document Investors should note that the views expressed and information given cannot be guaranteed. Page 2 of 2

4 Sharia Balanced Strategy Monthly Factsheet as at 31 January 2018 Objective, Policy and Profile Investment Objective To generate a higher level of return than cash, utilising a core exposure to equity investment. Investment Policy Asset Allocation Asset Class Top Held Securities 51.9% 45.1% Investments utilised include equity funds, fixed income funds, a physical commodity allocation and real estate equity funds. Risk Profile A medium to higher risk strategy. You are prepared to take a medium to high level of risk with your capital for the prospect of higher growth than that obtainable from cash and fixed income-only investment. A large proportion of your assets will be in equity funds, with the remainder in fixed income products that will contain varying proportions of cash,, Convertible, Wakala, Ijara and Murabaha. There is also an allocation to a physical precious metals trust and a higher global real estate equity fund allocation. Holding Salam Pax SICAV Saaf Ethical Growth P Acc GBP Salam Pax SICAV Saaf Fund P Acc GBP Cash ETFS Trust GBP 51.9% 45.1% The actual investment held at any other date may differ. Once invested, both Adviser and Investor can logon to the Sharia Platform to view an up-to-date list of notionally allocated holdings. 35% 30% 25% 20% 15% 10% Performance & Asset Allocation Strategy Performance Composite Performance 5% 0% 6 Months 1 Year 2 Years Since Launch Returns Cumulative Performance 6 Months 1 Year 2 Years Since Launch Volatility Balanced Strategy 0.85% 3.52% 17.49% 31.43% 6.16% Balanced Strategy (composite) 2.13% 5.26% 15.62% 27.70% 5.37% Discrete Annual Performance (calendar year) Balanced Strategy 2.82% 13.26% -0.78% 6.09% 9.15% Balanced Strategy (composite) 5.93% 9.61% -0.68% 0.66% 9.37% Source: Lipper, Praemium Administration Ltd. Past performance should not be seen as a guide to future performance. The performance and volatility figures above are based on the total investor returns from an actual client portfolio from its date of inception on the Sharia Select service net of full service charges and adviser fees. For the Balanced account used, adviser charging of 0.35% per annum is included in the total costs. Performance is calculated net of all custody fees, tax, transaction fees, and any other fee that is deducted from the client account, such as annual SIPP wrapper fees. The composite benchmark uses the following indices rebalanced monthly: MSCI UK (TR) and the British Bankers Association - LIBOR 3 Month GBP. Where applicable, returns are converted to GBP using Bloomberg end of month closing rates. Actual performance data does not exist before 28 February Page 1 of 2

5 Important Information Praemium Administration Limited is authorised and regulated by the Financial Conduct Authority under reference The value of investments and the income from them may go down as well as up and you may not get back the full amount invested. Rates and bases of taxation are subject to change. The views and opinions expressed in this document are those of Praemium Administration Limited s Team. This should not be taken as a recommendation to buy or sell or as advice on how any holding mentioned is likely to perform, or as a forecast. The portfolio may not be suitable for all investors and you should contact your Financial Adviser who will give you independent advice relating to your investment choices. Whilst every care has been taken to ensure the accuracy of the information published in this document Investors should note that the views expressed and information given cannot be guaranteed. Page 2 of 2

6 Sharia Cautious Strategy Monthly Factsheet as at 31 January 2018 Objective, Policy and Profile Investment Objective To generate returns primarily through growth and income with a low risk of capital loss. Investment Policy Asset Allocation Asset Class Top Held Securities 65.2% 31.8% Investments utilised include equity funds, Sharia compliant fixed income funds, physical commodities and real estate equity funds. Risk Profile A lower risk strategy. You are prepared to take a small level of risk with your capital for the prospect of higher growth than that obtainable from a cash investment. Investments utilised are equity funds, fixed income products that will contain varying proportions of cash,, Convertible, Wakala, Ijara and Murabaha. There is also an allocation to a physical precious metals and real estate equity. Holding Salam Pax SICAV Saaf Fund P Acc GBP Salam Pax SICAV Saaf Ethical Growth P Acc GBP Cash ETFS Trust GBP 65.2% 31.8% The actual investment held at any other date may differ. Once invested, both Adviser and Investor can logon to the Sharia Platform to view an up-to-date list of notionally allocated holdings. 25% 20% 15% 10% 5% Performance & Asset Allocation Strategy Performance Composite Performance 0% Returns 6 Months 1 Year 2 Years Since Launch Cumulative Performance 6 Months 1 Year 2 Years Since Launch Volatility Cautious Strategy 0.07% 1.44% 12.72% 22.20% 4.56% Cautious Strategy (composite) 1.36% 3.30% 9.70% 17.31% 3.09% Discrete Annual Performance (calendar year) Cautious Strategy 1.27% 10.30% -0.51% 5.45% 5.82% Cautious Strategy (composite) 3.70% 5.90% -0.13% 0.64% 5.79% Source: Lipper, Praemium Administration Ltd. Past performance should not be seen as a guide to future performance. The performance and volatility figures above are based on the total investor returns from an actual client portfolio from its date of inception on the Sharia Select service net of full service charges and adviser fees. For the Cautious account used, adviser charging of 0.50% per annum is included in the total costs. Performance is calculated net of all custody fees, tax, transaction fees, and any other fee that is deducted from the client account, such as annual SIPP wrapper fees. The composite benchmark uses the following indices rebalanced monthly: MSCI UK (TR) and the British Bankers Association - LIBOR 3 Month GBP. Where applicable, returns are converted to GBP using Bloomberg end of month closing rates. Actual performance data does not exist before 31 October Page 1 of 2

7 Important Information Praemium Administration Limited is authorised and regulated by the Financial Conduct Authority under reference The value of investments and the income from them may go down as well as up and you may not get back the full amount invested. Rates and bases of taxation are subject to change. The views and opinions expressed in this document are those of Praemium Administration Limited s Team. This should not be taken as a recommendation to buy or sell or as advice on how any holding mentioned is likely to perform, or as a forecast. The portfolio may not be suitable for all investors and you should contact your Financial Adviser who will give you independent advice relating to your investment choices. Whilst every care has been taken to ensure the accuracy of the information published in this document Investors should note that the views expressed and information given cannot be guaranteed. Page 2 of 2

8 Sharia Defensive Strategy Monthly Factsheet as at 31 January 2018 Objective, Policy and Profile Investment Objective To generate returns primarily through short term Sharia compliant money market instruments and longer term (Islamic bond), Murabaha (cost plus profit sale) and Ijara (lease), with a lower risk of capital loss. Investment Policy Asset Allocation Asset Class Top Held Securities 77.7% 1 9.8% 1.5% Investments utilised are a blend of Sharia compliant fixed income funds and a small exposure to physical commodities and property. Risk Profile A lower risk strategy. You are prepared to take a small level of risk with your capital for the prospect of higher growth than that obtainable from a cash investment. The investments utilise fixed income products that will contain varying proportions of cash,, Convertible, Wakala, Ijara and Murabaha. There is also an allocation to a physical precious metals trust. Holding Salam Pax SICAV Saaf Fund P Acc GBP Salam Pax SICAV Saaf Ethical Growth P Acc GBP Cash ETFS Trust GBP 77.7% 1 9.8% 1.5% The actual investment held at any other date may differ. Once invested, both Adviser and Investor can logon to the Sharia Platform to view an up-to-date list of notionally allocated holdings. 100% 80% 60% 40% 20% 0% Performance & Asset Allocation Strategy Performance Composite Performance 6 Months 1 Year 2 Years Since Launch Returns Cumulative Performance 6 Months 1 Year 2 Years Since Launch Volatility Defensive Strategy Defensive Strategy (composite) Discrete Annual Performance (calendar year) Defensive Strategy Defensive Strategy (composite) Source: Lipper, Praemium Administration Ltd. Past performance should not be seen as a guide to future performance. No segregated mandate has been booked for this strategy and as per FCA guidelines; a track record is therefore not available. A model portfolio return which would be indicative of the performance of the investments within the mandate is available to professional advisers on request from the Investment Manager.. Page 1 of 2

9 Important Information Praemium Administration Limited is authorised and regulated by the Financial Conduct Authority under reference The value of investments and the income from them may go down as well as up and you may not get back the full amount invested. Rates and bases of taxation are subject to change. The views and opinions expressed in this document are those of Praemium Administration Limited s Team. This should not be taken as a recommendation to buy or sell or as advice on how any holding mentioned is likely to perform, or as a forecast. The portfolio may not be suitable for all investors and you should contact your Financial Adviser who will give you independent advice relating to your investment choices. Whilst every care has been taken to ensure the accuracy of the information published in this document Investors should note that the views expressed and information given cannot be guaranteed. Page 2 of 2

10 Sharia Growth Strategy Monthly Factsheet as at 31 January 2018 Objective, Policy and Profile Investment Objective To generate a high level of returns using a substantial part of the portfolio invested in equities. Investment Policy Asset Allocation Asset Class Top Held Securities 71.9% 25.1% Investments utilised include equity funds, fixed income funds, a physical commodity allocation and real estate equity funds. Risk Profile You are aware that your investments will fluctuate for the prospect of good long term growth. You wish to increase your risk by investing a majority proportion of your money in more volatile equity investments. These have the prospect of potentially higher returns, with the associated possibility of losing some of your original capital. An allocation of up 90% might be in equities, or equity-like investments. A small proportion will be in fixed income products that will contain varying proportions of cash,, Convertible, Wakala, Ijara and Murabaha. Performance & Asset Allocation Holding Salam Pax SICAV Saaf Ethical Growth P Acc GBP Salam Pax SICAV Saaf Fund P Acc GBP Cash ETFS Trust GBP 71.9% 25.1% The actual investment held at any other date may differ. Once invested, both Adviser and Investor can logon to the Sharia Platform to view an up-to-date list of notionally allocated holdings. 50% 40% 30% 20% 10% Strategy Performance Composite Performance 0% Returns 6 Months 1 Year 2 Years Since Launch Cumulative Performance 6 Months 1 Year 2 Years Since Launch Volatility Growth Strategy 1.72% 5.72% 23.14% 43.98% 7.50% Growth Strategy (composite) 2.90% 7.22% 21.53% 40.20% 7.08% Discrete Annual Performance (calendar year) Growth Strategy 4.76% 17.12% -0.32% 6.17% 13.11% Growth Strategy (composite) 8.16% 13.42% -1.28% 0.65% 13.02% Source: Lipper, Praemium Administration Ltd. Past performance should not be seen as a guide to future performance. The performance and volatility figures above are based on the total investor returns from an actual client portfolio from its date of inception on the Sharia Select service net of full service charges and adviser fees. For the Growth account used, adviser charging of 0.00% per annum is included in the total costs. Performance is calculated net of all custody fees, tax, transaction fees, and any other fee that is deducted from the client account, such as annual SIPP wrapper fees. The composite benchmark uses the following indices rebalanced monthly: MSCI UK (TR) and the British Bankers Association - LIBOR 3 Month GBP. Where applicable, returns are converted to GBP using Bloomberg end of month closing rates. Actual performance data does not exist before 31 October Page 1 of 2

11 Important Information Praemium Administration Limited is authorised and regulated by the Financial Conduct Authority under reference The value of investments and the income from them may go down as well as up and you may not get back the full amount invested. Rates and bases of taxation are subject to change. The views and opinions expressed in this document are those of Praemium Administration Limited s Team. This should not be taken as a recommendation to buy or sell or as advice on how any holding mentioned is likely to perform, or as a forecast. The portfolio may not be suitable for all investors and you should contact your Financial Adviser who will give you independent advice relating to your investment choices. Whilst every care has been taken to ensure the accuracy of the information published in this document Investors should note that the views expressed and information given cannot be guaranteed. Page 2 of 2

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