Three mixes.Zero mystery.
Every Ghars portfolio is Sharia-screened, shows you what's inside by percentage, and how much its value might move in a year. What separates them is your date and your comfort with ups and downs.
All percentages, rates and ranges on this page are examples, not performance data. Returns are not guaranteed and investments can fall in value.
Steady.
For goals under five years away, like Hajj or an emergency cushion. Mostly sukuk and murabaha, so the ride is calmer and growth is slower.
- Global equities15%
- Saudi equities10%
- Sukuk45%
- Murabaha & cash30%
Example: the value might fall around 4% or rise around 8% in a year. Real movement can be larger.
Balanced.
For goals five to ten years away, like a home down payment. A middle path: equities for room to grow, sukuk to soften the dips.
- Global equities40%
- Saudi equities20%
- Sukuk25%
- Murabaha & cash15%
Example: the value might fall around 10% or rise around 15% in a year. Real movement can be larger.
Growth.
For goals more than ten years away, like your children's education or retirement. Bigger swings in exchange for more room to grow, with time on your side to recover.
- Global equities55%
- Saudi equities25%
- Sukuk12%
- Murabaha & cash8%
Example: the value might fall around 18% or rise around 24% in a year. Real movement can be larger.
The date suggests. You decide.
We suggest a mix after a few questions. You can always choose a calmer one.
| Steady | Balanced | Growth | |
|---|---|---|---|
| Equities | 25% | 60% | 80% |
| Sukuk & murabaha | 75% | 40% | 20% |
| Assumed rate | 3% | 5% | 7% |
| Suggested horizon | Under 5 years | 5 to 10 years | 10+ years |
| Typical goals | Hajj, emergencies | Home | Education, retirement |