National Bonds financial expert strategizing asset allocation and real estate investments using an interactive 3D city model.

Asset Allocation

ASSET ALLOCATION

Diversification is a cornerstone of our investment philosophy because no single asset class can carry a portfolio through every market cycle. By allocating investments across multiple asset classes, we build a balanced portfolio designed to perform, through changing economic conditions.

We segregate it into:


  • Cash & Money Market to keep capital preserved, operations flexible, and short-term returns steady.

 

  • Fixed Income is a core component of the portfolio, where high-quality Shari'a-compliant investments provide steady consistency.

 

  • We invest in fundamentally strong equities to drive long-term capital appreciation, and choose alternative assets to widen the portfolio's diversification.

 

  • We offer high-quality Real Estate Projects that expand the portfolio and deliver lasting worth through value-driven strategies.

 


Governance

Strong governance underpins every investment decision at National Bonds. Because trust isn't assumed, it's built into the structure itself. From strategy to execution, every layer of the investment process is designed with accountability, oversight, and discipline at its core.

 

Strategic Oversight

 

 The Board of Directors provides strategic oversight of the investment framework, setting the direction. While the Investment Committee oversees the implementation of the investment strategy and monitors portfolio performance.

 Outcome Ownership
 

The Group Chief Investment Officer leads the Investment Team, formulating and executing the investment strategy while ensuring every activity stays within established policies, guidelines, and risk parameters.

Faith-Aligned Principles

 

Independent risk, compliance, and internal control functions promote accountability and transparency, while the Shari'a Supervisory Board ensures every investment adheres to Shari'a principles throughout the process.