Expert Guidance.
Every Market.
Najem Financial's investment advisory team combines institutional research depth with the personalised attention of a dedicated advisor — bringing clarity and conviction to every allocation decision.
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Our Advisory Approach
Investment advisory at Najem Financial is built on the premise that informed, independent advice — free from product quotas or distribution mandates — consistently produces better outcomes than commission-driven recommendations. Our advisors are independent of any fund manufacturer and are compensated solely through the fees you pay, ensuring their guidance is shaped entirely by your circumstances and goals.
We approach every client engagement with a structured diagnostic process that begins with understanding your return requirements, liquidity needs, tax environment, and investment restrictions. From this foundation, we construct an investment policy statement — a formal document that defines your investment objectives, asset allocation targets, permissible instruments, rebalancing triggers, and performance benchmarks. This document serves as the governing mandate for every decision we make on your behalf.
Our investment committee publishes a quarterly macro outlook and asset class review that guides our tactical positioning. However, the strategic framework for each client's portfolio is derived from their individual IPS, not from house views. We may use the macro outlook to tilt allocations within permitted ranges, but we never override client-specific constraints in pursuit of a house conviction.
Reporting is a cornerstone of our practice. Every quarter, you will receive a comprehensive performance report that attributes returns at the asset class and individual security level, compares performance against agreed benchmarks, and explains every significant change made to the portfolio since the previous period. We believe you should always understand your portfolio — its composition, its performance drivers, and the reasoning behind every position held.
We maintain a strict open-architecture investment platform. This means we select instruments from across the global universe of funds, ETFs, bonds, and direct equities — not from a proprietary product shelf. If a competitor's fund is the best instrument for your needs, we will recommend it without hesitation. Our only loyalty is to your financial outcomes.
Asset Classes We Cover
Our advisory team maintains active research coverage across eight major asset classes — giving you access to the full spectrum of global investment opportunity.
Equities
Global and regional equities across market caps. Our analysts cover developed and emerging markets with bottom-up stock selection supported by macro overlay.
Fixed Income
Investment-grade and high-yield bonds, government securities, and inflation-linked instruments. Duration and credit quality managed to your IPS constraints.
Real Estate
Listed REITs, unlisted property funds, and direct real estate co-investment opportunities. Geographic diversification across residential, commercial, and industrial sectors.
Commodities
Exposure to energy, metals, and agricultural commodities through ETFs, futures, and structured notes. Used primarily as portfolio diversifiers and inflation hedges.
Hedge Funds
Curated selection of market-neutral, long-short, macro, and arbitrage strategies from established managers. Minimum track records of seven years required.
Private Equity
Buyout, growth, and venture co-investments alongside top-tier sponsors. Access typically reserved for clients with $1M+ AUM with appropriate liquidity buffers.
ETFs
Cost-efficient core building blocks covering equities, bonds, sectors, and themes. We use institutional share classes wherever available to minimise cost drag.
Alternatives
Infrastructure, royalties, litigation finance, and other non-traditional return streams. Used selectively to enhance portfolio diversification and smooth volatility.
Model Portfolio Performance
The chart shows our Balanced Model Portfolio's illustrative 5-year performance alongside the S&P 500 and a global bond index. Our balanced portfolio consistently captures meaningful equity upside while demonstrating significantly lower drawdown during stress periods.
The outperformance relative to a pure bond allocation reflects the benefit of multi-asset diversification. The lower volatility relative to a pure equity approach reflects our disciplined risk management and active rebalancing through market cycles.
Illustrative performance based on model backtesting. Past results do not guarantee future performance. All figures are net of advisory fees.
Research & Insights
Najem Financial maintains an in-house research team of 14 analysts covering equities, fixed income, macro economics, and quantitative strategies. All research is proprietary and available exclusively to advisory clients — you will not find our analysis published in the financial media.
Our research process begins with a top-down macro framework — assessing global growth momentum, monetary policy trajectories, geopolitical risk, and currency dynamics. This shapes our views on broad asset class attractiveness and regional allocation preferences. From there, we apply bottom-up security selection discipline within each asset class, using both fundamental and quantitative screening to identify the most compelling risk-adjusted opportunities.
Advisory clients receive our weekly market brief, monthly asset class outlook, and quarterly comprehensive review — as well as real-time alerts when significant events create actionable implications for their portfolio.
Weekly Market Brief
Every MondayMarket recap, upcoming catalysts, and positioning implications for the week ahead.
Monthly Asset Class Outlook
First of monthDeep dive into one or two asset classes with quantitative and qualitative analysis.
Quarterly Portfolio Review
Every quarterFull attribution, rebalancing recommendations, and strategic positioning update.
Real-Time Alerts
As requiredImmediate notifications when macro events create actionable portfolio implications.
Advisory Process
Discovery Meeting
A confidential discussion covering your financial objectives, time horizon, current holdings, tax situation, and any restrictions or preferences you hold. This meeting is non-advisory and completely obligation-free. Its purpose is understanding.
Investment Policy Statement
Based on the discovery meeting, we prepare a formal IPS that articulates your strategic asset allocation, return targets, risk parameters, liquidity requirements, and reporting expectations. You review, amend, and approve this document before any investment activity begins.
Portfolio Construction
Our investment committee and your personal advisor collaborate to build an initial portfolio that implements your IPS. Every instrument selected is documented with a rationale note. You receive the proposed portfolio for review before execution.
Ongoing Monitoring
Your portfolio is monitored on a daily basis against your IPS constraints. Rebalancing triggers, risk limit breaches, and macro developments are reviewed continuously. Your advisor reaches out proactively when action is warranted — you are never the last to know.
Regular Review & Reporting
Formal quarterly reviews with your advisor cover performance attribution, changes in positioning, updates to the macro outlook, and any life changes on your end that should inform adjustments to the investment strategy. Every review is documented and archived.
Frequently Asked Questions
We offer both discretionary and advisory mandates. Under a discretionary mandate, our team makes investment decisions within the parameters of your IPS without requiring your prior approval for each transaction. Under an advisory mandate, we provide recommendations which you approve before execution. Most clients prefer discretionary for efficiency, retaining advisory approval rights only for transactions above a defined size threshold.
Our investment advisory fees are calculated as a percentage of assets under advice, on a tiered basis. Fees are fully disclosed in the engagement letter and deducted directly from your account quarterly. There are no performance fees, no transaction commissions, and no hidden charges. We will provide a detailed fee breakdown before you commit to any engagement.
Yes. We will conduct a thorough review of your existing holdings as part of the onboarding process. Where holdings are consistent with your IPS, they will be retained. Where they create concentration risk, tax-inefficiency, or fit poorly with your overall strategy, we will recommend a transition plan — which may be implemented gradually to manage tax impact.
No. We operate on a fully open-architecture basis. We have no obligation to use Najem Financial-branded investment products, and we do not receive additional compensation for doing so. If a third-party fund is the most appropriate instrument for your portfolio, that is what we recommend.
Tax efficiency is a core consideration in portfolio construction and management. We are mindful of your tax residency, applicable capital gains treatment, dividend withholding, and estate tax implications when selecting instruments and timing realisations. We work in coordination with your tax advisor, who receives portfolio reports on request.
Your portfolio is managed according to your IPS at all times — including during market stress. We do not make reactive, panic-driven changes. Instead, we assess whether the market environment creates a rebalancing opportunity, a tactical positioning adjustment, or simply requires patience. Your advisor will contact you during significant market events to provide context and discuss any recommended changes.
Investment Advisory
Invest With Conviction
Our advisors are ready to conduct a comprehensive review of your current holdings and present a tailored investment strategy — at no cost and with no commitment required.
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