AAA Shariah PMS Plan

The objective of the AAA Shariah PMS is to generate medium-to-long-term capital appreciation by investing exclusively in Shariah-compliant equities and growth-oriented businesses. It aims to create a faith-aligned investment portfolio that captures India’s economic growth while adhering strictly to Islamic investing principles, ensuring zero exposure to interest-based income or non-permissible sectors.

This Shariah-compliant PMS strategy adopts a multicap equity approach, allocating across:

• Large Caps (50%)

• Mid Caps (18%)

• Small Caps (30%)

The portfolio includes up to 39 stocks, diversified across high-growth, well-governed companies from key sectors like Consumer (28.3%), Software, Pharma, and Engineering. The strategy uses:

• Rigorous Shariah screening

• Bottom-up stock selection

• Strong focus on risk-adjusted returns (Sharpe Ratio: 0.58)

With a benchmark of BSE 500 TRI, the plan has consistently outperformed over 3Y, 5Y, and since inception (23.7% CAGR vs. 16% benchmark), making it a top choice for ethical PMS investing in India.

AlfAccurate Advisors follows a dual-layered investment philosophy in the AAA Shariah PMS Plan, balancing capital protection with long-term wealth creation. Their structured approach combines the DSD Mechanism (Diversification, Staggered Approach, Disciplined Exit) and the 3M Framework (Market Size, Market Share, Margin of Safety).

Protecting Capital – DSD Mechanism

• Diversification: Investments are spread across market caps, sectors, and stocks to mitigate governance, technology, and business cycle risks.

• Staggered Approach: The portfolio is built gradually to avoid market timing risks, instead of following a rigid model portfolio structure.

• Disciplined Exit Strategy: Positions are exited based on valuation, change in business assumptions, or periodic rebalancing to manage downside risks.