How AI Legalese Decoder Can Uncover the Success of Shariah Fund vs Global Index: Exploring the Reasons Behind its High Performance
- February 16, 2024
- Posted by: legaleseblogger
- Category: Related News
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Title: Pension Investment Strategy Consideration and Inquiry about Shariah/Islamic Fund
Introduction
I am currently in the process of evaluating my pension options and have decided on a general investment strategy of allocating 90% to global funds and 10% to emerging markets. However, I recently came across an option for the HSBC Shariah/Islamic fund offered by my provider, and upon reviewing the performance figures, I noticed that it has outperformed the global funds significantly over the past 5 years.
Exploring the Shariah/Islamic Fund
I am intrigued by the performance of the HSBC Shariah/Islamic fund and am seeking to understand the reasons behind its success. I understand that this fund excludes haram (forbidden) investments, but upon reviewing the fund’s fact sheet, it appears to still have a fairly global portfolio. Despite this, the fund has delivered impressive results, and I am keen to gain a deeper understanding of the underlying factors contributing to its performance.
AI Legalese Decoder
The AI Legalese Decoder can be immensely helpful in navigating the complexities of the Shariah/Islamic fund and understanding the legal and financial implications of its investment principles. By utilizing AI-powered technology, investors can gain insights into the fund’s compliance with Shariah/Islamic finance regulations and identify the specific factors contributing to its success. The AI Legalese Decoder can decode complex legal language and financial data, providing clarity and insights that facilitate informed decision-making regarding pension investment strategies.
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****** just grabbed a
You need to check what it is investing in.  Sharia funds csn be fairly focussed funds with only a number tens of holdings, e.g. 40.
its out performed because the ÔÇ£Magnificent SevenÔÇØ tech firms represent nearly 40% of holdings compared to 15% or so for the FTSE World.
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I invest 100% in the HSBC Islamic in my pension for the last 5 years with Aviva. I am aware of the weighting and risk but the performance on my pension has been stellar. That could change but so can everything else. Up to about 3 years ago it was very close between a US equity index tracker and the Islamic fund tracking the 100 global titans. Heavily weighed to North American equities though with around 65-70%. Handily beating the global index tracker in my ISA.
This subreddit drowns in the trope that “you can’t beat the market” – the market is defined as the stockmarket average, the index that buys every company on the stockmarket (usually weighted by market cap). You buy the largest 1000 companies or whatever in the world – that’s the average, and statistics say that hardly anyone beats it.
In reality, there are lots of indexes, and the main index is broken down into sectors – the S&P 500 is the largest 500 companies in the USA (this is also most of the world index), and the S&P 500 can be broken down into sub-sectors like technology companies, banking, hospitality & tourism, fossil fuels, medical [and so on](https://www.spglobal.com/spdji/en/index-family/equity/us-equity/sp-sectors/#overview).
The reality is that some of those sectors are always going to be shit and are always going to generate low returns.
Despite what /r/UnitedKingdom says about the evil oil companies fucking us all up the arse, this is actually a really competitive sector – BP don’t get to make more money than Shell because of their brand recognition, the way Coca-cola makes more money than Pepsi; oil and gas are commodities. Fossil fuel extraction is massively capital intensive and that limits profits – this sector has had one golden year (2020 – 2021) in which it beat the main index and returned about 60%, but has historically underperformed the main index.
Banking is the same – it’s actually weird and cyclical, and has this relationship with interest rates, but it underperforms the main index. Do nothing else but exclude banking from your portfolio and you’ll beat the index.
Terry Smith posted a slide about this in one of his recent (since 2020) AGMs. You’ll find these on the Fundsmith’s YouTube channel.
Hi /u/Raviioliii, based on your post the following pages from our wiki may be relevant:
– https://ukpersonal.finance/pensions/
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Simple, look at the holdings.
The Sharia fund concentrates the money in lesser companies that also historically have grown more/done better. 
With it comes risk.
WhatÔÇÖs the fund code/id? Is there a ETF accumulating option?