Long-Term Patience & Conviction
Unwavering Islamic Authenticity
Your faith is never an afterthought—it's our starting point. Every investment we consider must first pass two critical stages of Islamic compliance:
Initial Screening: We use the globally respected standards set by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI).
Scholarly Review: Every security is then personally reviewed and approved by our renowned, US-based Islamic scholar, Dr. Main Alqudah, ensuring complete integrity.
Fundamental Strength & Quality
Intelligent & Professional Portfolio Design
A successful portfolio is more than just a collection of good stocks.
Macroeconomic Insight: We strategically size each sector based on our forward-looking macroeconomic expectations to position you for success.
Robust Diversification: Our portfolios are well-diversified, typically holding around 50 stocks to manage risk effectively.
Tailored to You: We offer five distinct portfolios, from conservative to aggressive, to perfectly match your personal risk tolerance and financial goals. All portfolios are professionally built and continuously monitored.
Investing for Everyone
Your Trust is Our Greatest Asset
Zaki Financial Portfolios
Direct Ownership Through Separately Managed Accounts (SMAs)
We provide a more personal and less expensive investment experience than traditional mutual funds. Your portfolio is held in a Separately Managed Account (SMA)—a private portfolio of individual stocks owned directly by you and held in a custodial account at ALTRUIST under your name. Unlike ETFs, our portfolios are constantly screened, monitored, and rebalanced. Our portfolios are tax-sensitive and allow for tax harvesting and reduced capital gains.
This approach provides key advantages:
Full Transparency: You see every individual stock you own, not just shares of a commingled fund.
Direct Ownership: This structure simplifies the process of calculating Zakat and purifying any incidental non-compliant income.
Greater Alignment: Your portfolio is managed according to your specific risk tolerance and financial goals.
We understand that every investor has a unique comfort level with risk and different financial goals. To ensure your investment strategy is a perfect fit for you, we offer five distinct portfolios, each tailored to a specific risk tolerance. While they vary in approach from cautious to growth-oriented, every portfolio is built on the same core principles: each is diversified across various sectors, strategically balanced for its risk profile, and professionally managed by our expert team. This structure allows you to select the strategy that aligns perfectly with your personal goals while receiving the same high standard of oversight.
Our five Shari'ah-compliant portfolio options are:
ZF Conservative Portfolio
ZF Moderate Conservative Portfolio
ZF Moderate Portfolio
ZF Moderate Aggressive Portfolio
ZF Aggressive Portfolio
ZF (green) performance compared to the S&P 500 (blue)
Performance
Sample from 4/2024 to 9/2025
Our commitment to Islamic-compliant investing has not hindered performance. Our balanced and diversified portfolios have consistently delivered returns competitive with our benchmark, the S&P 500 index.
Our Commitment to Your Security, Ownership, and Privacy
Your trust is the foundation of our relationship. We are dedicated to protecting your assets, data, and privacy with institutional-grade security and an unwavering ethical commitment.
You Retain Full Ownership and Control
You are always in control of your money. Your investment account is established directly in your name with our trusted, independent custodian, Alltruist Financial. This structure provides a crucial layer of security:
Direct Ownership: Your assets are legally yours and are held separately from our firm's operations.
Our Role: We are authorized by you to act solely as your advisor and portfolio manager. We never take direct custody of your funds.
Added Protection: Your account at Alltruist is protected by the Securities Investor Protection Corporation (SIPC), which insures securities in your account up to $500,000.
This separation ensures that your investments are secure and that our interests are always aligned with yours.
State-of-the-Art Data Security
We take the protection of your digital information very seriously. Our platform is built on a foundation of robust security protocols to keep your data safe at all times.
Bank-Level Encryption: All data transmitted on our platform is protected by 256-bit SSL (Secure Sockets Layer) encryption, the same security standard used by major banks and financial institutions.
Secure Communication: We will only ask you to share sensitive information through our safe, encrypted client portal. We will never request confidential details, such as passwords or full account numbers, over non-secure channels.
Our Unbreakable Privacy Pledge
Your privacy is not just a policy; it is a core principle. We are committed to maintaining the complete confidentiality of your personal and financial information. Our pledge to you is simple and absolute:
We will never share, sell, or rent your information to any third party for any reason. Period.
Account Types
We can establish your Separately Managed Account across a variety of account types to fit your needs.
Taxable Accounts
Individual accounts
Joint account
Minor (custodian accounts)
Trust accounts
Business entity accounts
Non-Taxable Accounts
IRA, Rollover IRA, Inherited IRA, and Minor IRA
Roth IRA and aRoth IRA
SEP IRA and SIMPLE IRA
Individual 401 (k) and Roth 401 (k)
Retirement trust accounts.
Education accounts (ESA but not 529)
Non-For-Profit Organizations
Investment accounts
Endowment accounts
Employer 401 (k) Accounts
Previous Employer
We can help you align your retirement savings with your faith. Our team will guide you through the process of seamlessly rolling over your old employer-sponsored retirement plan (like a 401(k) or 403(b)) into a Rollover IRA. Once transferred, we will professionally manage your funds in a diversified, 100% Shari'ah-compliant portfolio, giving you peace of mind.
Current Employer
Navigating your workplace retirement plan can be challenging when it lacks Islamic-compliant options. To address this, we offer a dedicated one-hour '401(k) Review' consultation. Our advisors will analyze your employer's specific fund lineup and provide expert guidance on constructing a portfolio as closely aligned with Islamic principles as possible, empowering you to invest with greater confidence.