A Portfolio for Every Investor:

In conjunction with the launch of our new investment portfolio "The Flexible Portfolio" and due to the many inquiries we've received about portfolios recently, we've prepared this comprehensive guide that gives you a simple and easy roadmap to distribute your investments and choose your portfolios according to your investment goals.

First, it's important to know that the primary key to determining the right portfolio for you is:

Defining Your Goal 🎯

An investment goal isn't just a number or amount you aspire to reach; it's a compass that determines your destination and path. The goal helps you measure the success of your portfolio and know when you need to change or develop your strategy.

🏗️ The Preparatory Phase

Investors are naturally ambitious and continuously strive to achieve the best results. But before ambition takes over and you venture deeper into the world of investing, prepare your ship properly. Secure your basic investment needs first, then explore more. After you:

1. Secure your retirement (retirement portfolio)
2. Prepare for emergencies (emergency portfolio)
3. Plan for your goal (separate portfolio for each goal)

Only then can you explore other dimensions of investing.

Note:

The preparatory phase is considered the foundation stone for any investor. Entering investing without securing retirement and emergency reserves is like building a house on shaky ground. After this phase begins the phase of diversifying investments strategically to serve your different goals: marriage, children's education, buying a house, or even dedicating yourself to your own project.

📊 A Portfolio for Every Investor

This section will make it easier for you to choose the right portfolio for your needs. We'll give you a simple summary of the portfolios and their target categories. But first, it's important to know that the risk level of each portfolio depends on:

• The type of assets invested

• The proportions of assets invested

And to make it easier for you, always remember that:

• The more you increase the proportion of investment in money markets, the lower the risk.

• The more you increase the proportion of investment in stocks, the higher the risk.

• The more diversified and balanced the portfolio, the lower the risk.

• The more the portfolio is concentrated in a single asset, the higher the risk.

Therefore, increased risk is directly proportional to increased expected return for each portfolio—meaning the higher the probability of risk, the higher the expected return.

Let's start now with our list of portfolios at Tamra Financial:

🚨 Emergency Portfolio

This is a portfolio (nearly risk-free) whose investments are concentrated in money markets at 100%.

Expected Annual Return: 4% to 6%

Suitable for: People who are hesitant about investing and don't have previous experience, so they don't have financial goals but have enough awareness to protect their money from inflation and grow its value at a reasonable rate without significant risks.

Investment Strategy: Active.

🧊 Calm Portfolio

This is a portfolio suitable for those who are relaxed about investing, with the largest proportion of its investments in sukuk at 60%, US stocks at 25%, gold at 10%, and real estate at 5%. It has low risk and reasonable returns.

Expected Annual Return: 4% to 6%

Investment Duration: 3 to 4 years

Suitable for: People with short-term goals—intermediate goals—such as marriage and buying a car. Also suitable for people nearing retirement who don't have much time to secure their retirement.

Investment Strategy: Latent.

🏕️ Adventure Portfolio

Adventures begin when the proportion of stocks increases and sukuk decreases. A portfolio diversified between 50% stocks, 30% sukuk, and 10% each for gold and real estate.

Investment Duration: 6 to 8 years

Suitable for: Moderates—those who are hesitant to dive deep into risk-taking but are willing to accept risks cautiously.

Investment Strategy: Latent.

🪝 Promising Portfolio

Naturally suitable for those interested in getting a complete investment portfolio in the most effective asset diversification. It's also an excellent choice for those who want exposure to the Saudi and local markets in a diversified and balanced way. The portfolio combines local and regional stocks at 28%, global stocks at 50%, gold at 12%, and sukuk at 10%, allowing the investor to blend both latent and active investing.

Expected Annual Return: 8% to 10%

Investment Duration: 7 to 9 years

Suitable for: Pioneers seeking the latest—and those wishing to combine opportunities in local markets with the leadership of global markets.

Investment Strategy: Latent and active.

🚀 Aggressive Portfolio

A portfolio that focuses its investments on stocks more than other assets, so it's considered high-risk and high-profit. It contains 74% stocks, 11% sukuk, 10% gold, and 5% real estate.

Expected Annual Return: 10% to 12%

Investment Duration: More than 10 years

Suitable for: Every investor with a long-term plan. The favorite retirement portfolio for the majority of our investors. Very suitable for those who have time, patience, and high awareness.

Investment Strategy: Latent.

🎢 Saudi Portfolio

This portfolio is a special innovation by Tamra Financial that combines the best-performing fund managers in local and regional markets. The portfolio contains 100% stocks, making it very high-risk and not subject to (M.M.M) theory, as it's not a diversified and balanced portfolio. The purpose of this portfolio is to enable those who want active investment in the Saudi market to get the best investment experience through the Saudi Portfolio.

Expected Annual Return: 18% to 25%

Investment Duration: No time goal because it doesn't fall under (M.M.M)

Suitable for: The bold, those with high ambition and strong hearts, interested in active investing.

Investment Strategy: Active.

🪂 Flexible Portfolio

The expert investors' portfolio. This portfolio enables the expert investor to create their investment portfolio based on their technical vision. They can determine the assets they want to invest in and also set the proportions of assets in the portfolio according to their preference. What distinguishes this portfolio specifically is the presence of the Bitcoin fund (IBIT) in the asset list for the first time.

Expected Annual Return: Shows after selecting assets and determining their proportions.

Investment Duration: Depends on the investor's choice.

Suitable for: Expert investors only.

Investment Strategy: Depends on the selected funds.

💡 In Conclusion

Investing is a journey that needs a clear goal, patience, and a smart platform to support you at every step. At Tamra Financial, we believe that every investor has a different story, a different goal, and a unique path. That's why we've designed a portfolio set that covers all your investment needs: from those seeking security, to adventurers, to experts who like to build their strategy themselves.

We understand that multiple choices sometimes cause confusion, but at Tamra Financial, our goal is always one: to make investing easier for everyone. We designed our portfolios to meet every need and suit every stage, letting you invest with confidence and security. Because we believe that investing isn't for a specific category—investing is for everyone.