Tamra Capital Portfolios

What types of portfolios does Tamra Capital offer?

| Portfolio | Description | Risk Level | Expected Return | | Conservative Portfolio | Focuses on sukuk to reduce risk, includes US stocks, real estate, and gold for growth and inflation protection. | Low Risk | 4% - 6% | | Moderately Conservative | Half invested in sukuk for balance, includes small portions of developed/emerging markets, US stocks, real estate, and gold. | Medium Risk | 6% - 8% | | Moderately Aggressive | Lower sukuk allocation, higher exposure to US and global stocks, moderate real estate and gold. Higher risk and return. | High Risk | 8% - 10% | | Aggressive Portfolio | Mainly US stocks, minimal sukuk, real estate, and gold. High risk aiming for high returns. | Very High Risk | 10% - 12% | | Saudi Portfolio | Active investment in top-performing Saudi and regional equity funds. Strategically diversified across sectors. | Very High Risk | 18% - 25% | | Promising Portfolio | Mix of active Saudi/regional funds and global investments. Long-term growth via stocks, sukuk, and gold. | High Risk | 8% - 10% | | Emergency Portfolio | Invests in money market sukuk funds to protect capital and beat inflation. Follows Saudi interbank rate. | No Risk Level |  1% - 6% | | Customize Portfolio | An advanced option allowing full customization of portfolio weights across available investment funds, including the IBIT Bitcoin ETF. Risk and return depend on the selected allocation. | Depends on allocation |

How do I compare portfolios and choose the right one?

Tamra Capital offers a variety of portfolios to match different investment goals. Choosing the right one depends on: - Your risk tolerance - Investment duration Tamra provides a risk assessment questionnaire to help you select the best portfolio based on your answers. | Time Horizon | Example Goals | Recommended Portfolio | | Less than 1 year | • Emergency fund for 3–12 months • Unexpected expenses | Emergency Portfolio | | 1 to 2 years | • Wedding expenses • Planned medical costs • Vacation • Buying a product or service • Retired and investing (age 60+) | Conservative Portfolio | | 3 to 5 years | • Down payment for a home • Graduate studies • Paying off debt • Buying a car • Retirement in 3–5 years (age 55–57) | Moderately Conservative Portfolio | | 6 to 9 years | • Buying property • Mid-career retirement planning • University education for children • Retirement in 6–9 years (age 50–54) | Moderately Aggressive Portfolio OR  Promising Portfolio | | 10+ years | • Early retirement planning • Investing for children • Long-term investing • Retirement in 10+ years (age 18–49) | Aggressive Portfolio OR  Saudi Portfolio |

Can I open more than one investment portfolio?

Yes! Tamra Capital allows each client to open up to 10 sub-portfolios to help achieve different goals.

Can I change my portfolio type later?

Yes, you can easily change your portfolio type by following these steps: 1. Tap “Portfolios” at the bottom of the screen 2. Tap the green pencil icon next to the portfolio you want to change 3. Choose the new portfolio type 4. Tap “Save Changes” to confirm If you already have investments, Tamra will rebalance your portfolio by selling and buying assets to match the new type.   If there are no investments yet, the change will happen immediately.

Are Tamra Capital investments Sharia-compliant?

Yes. Tamra Capital is certified by Shariyah Review Bureau, a global authority in Islamic finance auditing. Tamra selects Sharia-compliant ETFs based on two layers of review: 1. Fund’s Sharia Committee: Reviews fund documents, operations, and issues annual reports confirming compliance. 2. Tamra’s Sharia Committee: Overseen by Shariyah Review Bureau with scholars like Sheikh Mohammed Sultan and Dr. Salah Al-Shalhoob. The Bureau is licensed by the Central Bank of Bahrain and operates across key Islamic finance markets.

Why does Tamra Capital perform purification?

Some companies in the funds may earn up to 5% of revenue from non-compliant activities. These investments are still Sharia-compliant but require purification of related dividends. Example: Airlines may earn small revenue from alcohol sales. Tamra purifies such dividends to ensure full compliance. Tamra automatically calculates and donates the purified amount to approved charities under supervision of its Sharia Committee.

What returns can I expect from investing with Tamra Capital?

Returns vary based on portfolio type and investment duration. You can use Tamra’s Investment Calculator in the app or on the website to estimate your expected returns.