Investing has always been a daunting task for many individuals. The complexities of the financial markets, the jargon-filled investment options, and the constant need for monitoring and rebalancing can be overwhelming. However, in recent years, technological advancements have made investing more accessible and user-friendly for the masses. One such innovation is the Raiz App, a popular investment platform that claims to offer effortless investing. In this article, we will explore the Raiz App's Custom Portfolio and the funds it comprises, with a focus on its potential for effortless investing in 2023.
The funds in the Custom Portfolio Setting
90% Aberdeen Standard Islamic World Equity Fund
5% UOB United-i Global Balanced Fund (Shariah)
5% UOB United-i ESG Series – High Quality Sukuk
The Custom Portfolio offered by the Raiz App allows users to personalize their investment portfolios based on their risk tolerance, financial goals, and values. One of the key aspects of the Custom Portfolio is the allocation of funds into different investment options. In 2023, the Raiz App's Custom Portfolio consists of three main funds: the Aberdeen Standard Islamic World Equity Fund, the UOB United-i Global Balanced Fund (Shariah), and the UOB United-i ESG Series – High-Quality Sukuk.
The majority of the Custom Portfolio, comprising 90%, is allocated to the Aberdeen Standard Islamic World Equity Fund. This fund focuses on investing in Shariah-compliant companies from around the world. Shariah-compliant investments adhere to Islamic principles, such as avoiding investments in industries like alcohol, gambling, and tobacco. The fund aims to provide investors with exposure to global equity markets while adhering to Islamic finance principles.
The UOB United-i Global Balanced Fund (Shariah) makes up 5% of the Custom Portfolio. This fund follows a balanced approach, investing in a combination of global equities and fixed income instruments, while adhering to Shariah principles. It offers investors a diversified portfolio that aims to capture both growth opportunities and stability.
The remaining 5% of the Custom Portfolio is allocated to the UOB United-i ESG Series – High-Quality Sukuk. This fund focuses on investing in high-quality Sukuk, which are Islamic financial instruments similar to bonds. The fund selects Sukuk that meet specific environmental, social, and governance (ESG) criteria, allowing investors to support sustainable and ethical investments.
So, does the Raiz App's Custom Portfolio truly offer effortless investing in 2023? While the app simplifies the investment process and offers a user-friendly interface, it's important to remember that investing always carries inherent risks. No investment is entirely risk-free, and market fluctuations can impact the performance of any portfolio, including the Custom Portfolio.
However, the Custom Portfolio's allocation to Shariah-compliant funds, such as the Aberdeen Standard Islamic World Equity Fund and the UOB United-i Global Balanced Fund (Shariah), may appeal to investors who prioritize aligning their investments with their values. Additionally, the inclusion of the UOB United-i ESG Series – High-Quality Sukuk fund showcases Raiz's commitment to promoting sustainable and ethical investments.
To make the most of the Raiz App's Custom Portfolio or any investment platform, it is crucial for investors to conduct thorough research, understand their risk tolerance, and regularly review and adjust their portfolios as needed. Effortless investing should not be mistaken for hands-off investing. It is always wise to stay informed, keep a long-term perspective, and seek professional advice when necessary.
In conclusion, the Raiz App's Custom Portfolio, with its allocation to Shariah-compliant and ESG-focused funds, presents an intriguing option for investors seeking to align their investments with their values. While it may offer a user-friendly experience and simplify the investment process, it is important for investors to remain vigilant and make informed decisions. Effortless investing requires ongoing attention and a solid understanding of the
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investment landscape. By leveraging the Raiz App's Custom Portfolio and its selection of funds, investors can potentially create a diversified and values-based investment strategy.
One of the key advantages of the Custom Portfolio is its ability to automate investing. The Raiz App allows users to set up recurring investments or round-up spare change from everyday transactions, making it effortless to contribute regularly to their portfolios. This automated approach can help individuals develop disciplined saving and investing habits without the need for constant manual intervention.
Furthermore, the inclusion of Shariah-compliant funds in the Custom Portfolio may be particularly appealing to investors who adhere to Islamic finance principles. These funds undergo a rigorous screening process to ensure compliance with Shariah guidelines, providing investors with peace of mind that their investments are aligned with their religious beliefs.
Additionally, the UOB United-i ESG Series – High-Quality Sukuk fund within the Custom Portfolio caters to those who prioritize sustainability and ethical considerations. By investing in Sukuk that meet specific ESG criteria, individuals can support companies and initiatives that promote environmental stewardship, social responsibility, and good governance practices. This allocation allows investors to make a positive impact while seeking financial returns.
It's worth noting that while the Raiz App simplifies the investment process, it is not a substitute for personal financial planning and due diligence. Investors should take the time to educate themselves about the funds in the Custom Portfolio, understand their investment goals, and evaluate their risk tolerance. Regularly reviewing the portfolio's performance and making adjustments when necessary is essential to maintaining a well-balanced and suitable investment strategy.
Furthermore, while the funds in the Custom Portfolio have shown promising attributes, past performance is not indicative of future results. The financial markets are subject to volatility and various external factors that can influence investment outcomes. Therefore, diversification and ongoing monitoring are crucial to mitigate risk and optimize returns.
In conclusion, the Raiz App's Custom Portfolio offers a simplified and potentially appealing investment solution for individuals seeking effortless investing in 2023. With its allocation to Shariah-compliant and ESG-focused funds, it provides an opportunity to align investments with personal values and make a positive impact. However, investors should remain vigilant, conduct thorough research, and stay informed about market trends and conditions. By combining the convenience of the Raiz App with proactive decision-making, individuals can strive towards achieving their financial goals while embracing a values-based approach to investing.
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