Tayyib Investments LLC | Values-based Investments Advisory

Introduction & Background

Tayyib Investments LLC, founded in 2026, provides investment advisory services aligned with 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.

Discouraged Investment Parameters

Significant Interest Components: Avoiding assets directly tied to compounding interest-bearing lines or mechanisms.
Unethical or Immoral Businesses: Complete avoidance of businesses involved in alcohol, gambling, weapons manufacturing, and similar industries.
Speculative Options: Restricting standard speculative practices like uncovered options strategies.
Speculative Alternatives: Restricting highly volatile, short-term alternative instruments including currencies and collectibles.

Services Offered

Our services are purely advisory in nature and are suitable for clients seeking advice on financial matters. The clients are responsible for acting or not acting on the recommendations and for executing trades, if applicable. Tayyib Investments does not take custody of clients’ assets and only provides a recommendation report at the conclusion of the services.

Hourly or Flat-Rate

Financial Planning & Wealth Advice

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.

Hourly Fee

Investment Assessment

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.

Flat-Rate Fee

Portfolio Optimization

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.

Hourly Fees

Portfolio Reviews

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.

Operational Note: Because the Firm does not maintain a custodial relationship or direct access to client accounts, the client is responsible for providing updated & complete account information upon request. As an advice-only firm, Tayyib Investments LLC does not have access to client credentials and does not directly implement optimization recommendations.

Methods of Analysis & Investment Strategies

Tayyib Investments LLC employs a disciplined, principles-based analytical process to ensure recommendations align with each client’s financial goals and ethical values.

Core Analytical Methodologies

Internal Filter

Fundamental Analysis

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.

A) Research Phase: Researching an investment’s past performance, prices, income statements, and management metrics. Business parameters are comprehensively verified against shariah investing principles to ensure baseline compatibility.

B) Analysis: Developing strategic future projections based entirely upon historical data paths, peer operational metrics, and overarching macro economic shifts.

C) Conclusions & Report: Compiling analytical data tracks to form and issue definitive baseline investment suitability recommendations.

Statistical Model

Quantitative Review

We assess historical performance, volatility, and correlations to understand how specific investments may behave within a broader asset allocation framework.

Macro Overview

Macroeconomic Analysis

We consider broader economic cycles, structural inflation trends, and interest rate movements that may fundamentally impact specific operational sectors or broader target asset classes.

Risk of Analysis Statement

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.

Long-Term Investment Strategies

Preservation & Growth

Strategic Asset Allocation

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.

Passive Framework

Evidence-Based Investing

Utilizing institutional low-cost broad index funds or highly liquid Exchange-Traded Funds (ETFs) to capture systemic market returns efficiently.

Ethical Filter

Values-Aligned (Halal) Investing

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.

Material Risks of Loss

Investing in securities involves a significant risk of loss that clients must be prepared to bear. No investment strategy can guarantee a profit or protect completely against down-market realities.

Key Investment Risk Definitions

Market Risk: The underlying value of portfolio investments may decline due to systemic economic shifts or broad negative market sentiment.
Equity Risk: Individual stock prices can fluctuate unpredictably and significantly based on target company-specific news, updates, or volatile industry trends.
Values-Aligned Screening Risk: By excluding certain sectors, industries, or specific companies for ethical reasons, an investment portfolio may be systematically less diversified than traditional standard benchmarks. This restriction may cause the portfolio to underperform market indices or experience higher localized volatility during distinct economic market cycles.
Inflation Risk: The active operational risk that the actual purchasing power of your accumulated assets will not keep pace with the rising costs of traditional goods and services.
Liquidity Risk: Specialized ethical allocations or private business investments may be structurally difficult to exit or liquidate quickly without incurring a significant, adverse impact on execution price.

Optional Halal & Values-Aligned Application

All investment advice offered at Tayyib Investments LLC can have ‘Halal’ or ethical options incorporated into them. This means investment advice or recommendations will comply with principles of Shariah (Islamic law) as much as practically possible. This comes at no additional charge but requires clients to state these restrictions explicitly in the advisory agreement.

Halal Investment Risk & Screening Disclaimers

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.

Client Suitability Framework

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.

Our Fiduciary Operational Structure

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:

Advice-Only Strategy: We limit our scope strictly to objective investment advice; we do not accept direct management or custody of client assets.
Non-Discretionary Framework: We advise while you retain complete asset execution control. No choices are made without your prior explicit authorization.
Zero Speculative Strategy: Our rules strictly prohibit high-risk practices such as short selling, margin deployment, or speculative trading styles.
No Third-Party Solicitors: We employ no promoters, distributors, or solicitors, guaranteeing that our client engagements remain entirely transparent and direct.

Aligning your portfolio with your values