We have a Shariah compliant range of investment products and as a result, we have strict Shariah rules which need to be met before we consider investing /staying invested in a specific underlying investment. As a consequence, we do apply negative/exclusionary screening based on product and acitivity of the underlying investment. The process is deemed confidential in nature but includes a strong bias towards responsible investing. We also have an independent Shariah Board who scrutinizes our Shariah compliance once a year and determines whether we meet the strict ethical investment guidelines prescribed by the Shariah board.In addition to the Shariah guidelines, we are of the view that companies with weak corporate governance or business practices which harm the fabric of society have unsustainable long-term business models - cosnequently, we do apply exclusionary screening to these factors as well.

When undertaking due diligence on a potential investment, as part of the investment decision making process, the firm considers all relevant factors which includes analyzing the macro environment, industry/sector issues, operational issues, management, financial position, performance over the long-term and ESG opportunities and risks.

We believe that companies which incorporate Environmental, Social and Governance (ESG) considerations into their business model are more likely to be successful over the long-term. Consequently, we believe that incorporating ESG considerations into the investment decision making process is likely to deliver superior and sustainable returns for our clients over the long-term. As part of our investment philosophy we favor/look for companies which have strong market leadership positions, ability to convert market leadership into profit, cash flow and balance sheet leadership and has best-in-class ESG practices to ensure the sustainability of that profitability.