Prioritizing values and faith in investments, designed for clients seeking shariah-compliant investment strategies.
Tayyib Investments LLC, founded in 2026, provides investment advisory services aligned with halal or ethical principles. We prioritize investments in businesses that reflect our clients' values. Our approach aims to meet the investment objectives of our clients while strictly discouraging values-conflicting allocations.
Tayyib Investments LLC is owned by Abdul Basit, who retains 100% ownership as of the date of this publication. More information about the owner can be found in the Brochure Supplement attached at the end of our complete regulatory firm disclosure brochure.
Personalized services designed to address a variety of client objectives. These may include retirement feasibility studies, cash flow and budget analysis, education funding planning, insurance needs analysis, and estate planning guidance. Offered through Single-Goal or Comprehensive engagements tailored to your specific situation as an advice-only service where you retain full implementation responsibility.
We assess listed securities, private investments, and other legitimate businesses using fundamental analysis to advise clients if an investment is fundamentally sound. This comprehensive approach reviews an investment’s history and estimates future performance in the context of industry trends and broader economic factors.
For clients seeking ongoing guidance, the Firm provides optimization services based on account statements, holdings data, and financial information provided directly by the client. The Firm reviews this data and provides specific written rebalancing or reallocation recommendations to the client annually.
Typically involves reviewing existing clients’ already optimized portfolios to ensure they align cleanly with objectives, risk tolerance, and updated circumstances. The frequency (quarterly or semiannual) is determined at the time optimization is sought. These are completely optional follow-up visits between 1–11 months from the original date.
We evaluate the financial health, management quality, and competitive position of companies or funds. For values-aligned portfolios, this includes a "shariah-screening" process to ensure the business activities and financial ratios (such as debt levels) meet specific ethical criteria.
We assess historical performance, volatility, and correlations to understand how specific investments may behave within a broader asset allocation framework.
We consider broader economic cycles, structural inflation trends, and interest rate movements that may fundamentally impact specific operational sectors or broader target asset classes.
Our analysis relies on research and data from third-party providers and public filings. While we believe these sources are reliable, we cannot guarantee their accuracy. Furthermore, our analytical models are subject to "model risk," where the assumptions used may not accurately predict future market behavior. Fundamental analysis can help determine whether an investment appears sound at the time of review, based on publicly available information. It does not guarantee future returns. Market performance may differ significantly from expectations derived from fundamental analysis.
A diversified mix of asset classes (equities, fixed income, etc.) intended to support long-term capital preservation or structured asset growth depending on individual risk models.
Utilizing institutional low-cost broad index funds or highly liquid Exchange-Traded Funds (ETFs) to capture systemic market returns efficiently.
Implementing client-directed restrictions to avoid certain industries (e.g., alcohol, gambling, weapons, or high-interest financial institutions) to reflect personal, ethical, or religious considerations.
Applicable to Single-goal financial planning & Investment assessment services.
| Hours Billed | Fee Charged |
|---|---|
| 1 | $90.00 |
| 2 and beyond | $160.00 / hour |
* Hourly fees are calculated in 15-minute increments. A billed hour includes time spent working on a client’s matter, conducting research, preparing recommendations, and meeting or communicating with the client.
These fees represent a flat rate estimate based upon the complexity of the financial planning services, and an estimate of time involved. To determine earned fees under fixed-fee projects (other than portfolio optimizations), we use a milestones-based approach:
| Milestone | Description | Fee Allocation |
|---|---|---|
| 1 | Data gathering, discovery, and initial consultation | 25% of Total Fee |
| 2 | Analysis and plan development | 35% of Total Fee |
| 3 | Delivery of draft recommendations or plan | 25% of Total Fee |
| 4 | Final review meeting and conclusion of project | 15% of Total Fee |
| Category | Portfolio Size | Annual Optimization Charges |
|---|---|---|
| 1 | $0 - $150,000 | $1,500 or 2% of portfolio size, whichever is lower. |
| 2 | $151,000 - $300,000 | $3,000 |
| 3 | $301,000 - $500,000 | $5,000 |
| 4 | $500,000+ | $7,500 |
Hourly Services: Clients are billed in arrears at the end of each calendar month, or upon termination/completion of services—whichever comes first.
Flat-Rate Fee Arrangements (B.1 & B.2): Clients are invoiced at the end of each milestone or upon termination of services, whichever occurs first. Payment is due within ten (10) days of the receipt of invoice by the client.
Clients may incur additional fees charged by third parties, such as custodians, broker-dealers, mutual funds, or exchange-traded funds (ETFs). These fees may include transaction charges, account maintenance fees, or internal fund expenses and are separate from and in addition to the Firm’s advisory fees.
We currently do not offer any commission-based products that can cause a conflict of interest with our clients. Any other conflicts of interests are disclosed to the client when they are discovered, or at the time of entering into the contractual agreement.
If an agreement is terminated before completion, there is no penalty or cancellation charge, and the clients are billed only for the completed work and any administrative charges incurred. Earned fees are determined as follows:
Example: If an agreement is terminated after completion of milestone 2, 60% of the total quoted fee is retained and the rest (40%) is refunded within 30 days of termination. The clients are welcome to discuss the partial completion if they disagree with the calculation.
Since halal or Shariah-compliant investing limits the available investment vehicles, such investments are exposed to additional risks that are not found in traditional investments.
The Firm will make reasonable efforts to provide investment recommendations consistent with the Client’s stated restrictions; however, the Firm cannot and does not guarantee that all recommendations will fully conform to any particular interpretation, standard, or methodology of halal or values-based compliance.
The Firm and its Investment Adviser Representatives are not qualified to provide religious rulings, fatwas, or certifications regarding halal compliance. The Firm does not independently verify, audit, or certify the accuracy, completeness, or ongoing validity of any third-party halal screening data, classifications, or compliance determinations.
The Client acknowledges that interpretations of halal compliance may vary among scholars, organizations, screening providers, and methodologies, and that the Firm cannot ensure that any investment will be deemed compliant under all or any religious interpretations. The Firm may lack the expertise to evaluate complex or technical religious determinations and relies, in part, on information provided by third parties, which may contain errors, omissions, or inconsistencies. Clients are encouraged to consult qualified religious scholars or advisers regarding religious compliance determinations. The Client remains solely responsible for determining whether any investment meets the Client’s personal religious or values-based standards.
All the advice we provide is tailored to individual clients, and in line with their respective investment goals and constraints. We understand that different clients share different investment needs and risk tolerances, thus a good investment for one client may not be suitable for another.
Our advice is always for the best interest of our clients and will always be suitable considering their risk/return objectives. We do this by having each client complete comprehensive questionnaires regarding their income, tax bracket, previous investment experience, investment goals, time horizons, and unique limitations. Then, suitable investments matching the client are systematically selected and discussed with them.
We are dedicated to providing pure, independent fee-for-service advice completely isolated from traditional transactional conflicts of interest. Our operational model is explicitly defined:
To explore our strategic asset management methodology or learn more regarding our independent operational model, reach out directly. You can also review our complete regulatory items below.
tayyibinvestments@outlook.com