Azzad Ethical Wrap Program

As your wealth grows, your family’s needs become more complex, and your financial life requires more attention. The experienced, professional investment team at Azzad can help you manage your wealth while staying in harmony with the values you cherish.

Our solution — the Azzad Ethical Wrap Program — combines experienced money managers, asset allocation, and financial planning expertise with ethical screening and efficient back-office brokerage technology to provide you with a smarter way to invest.

Your Ethical Wrap account may contain a well-diversified set of portfolios allowing you to invest in a variety of asset classes, including domestic and international stocks, real estate investment trusts, and more. Money managers with proven track records who specialize in their asset class manage each portfolio.

Personal, Visionary Planning

Best of all, we help you build your wealth based on a truly ethical investment philosophy. Your adviser shares your values enabling them to address success at all levels. We’ll apply a host of tools to better understand your needs and goals and provide a comprehensive financial plan to help you achieve them.

In designing the portfolio right for you, we will:

  • Target an optimal asset allocation strategy for the best risk/return combination
  • Forecast future wealth using Monte Carlo efficient frontier graphs
  • Provide a cash flow report
  • Include companies we believe have strong fundamentals, but do not harm society
  • Exclude companies that profit from alcohol, tobacco, gambling, meat products and others
  • Consider taxes, inflation and ongoing savings to determine if your long-term needs and goals will be met

Read more about the Ethical Wrap Program and our world-class portfolio managers in our brochure.

 Investment Firms Participating in Azzad’s Ethical Wrap Program

The Ethical Wrap Program’s money managers are experienced professionals who are committed to investing your money according to our ethical investment guidelines. They use our proprietary software to identify acceptable companies and then use their own investment analysis to identify those that are promising. Azzad’s internal investment team manages the real estate investment trust (REIT) and dividend portfolios.

Azzad’s investment team oversees the following managers, subject to continual due diligence and review:


  • Deep understanding of client goals and risk tolerance
  • Ongoing financial planning and advice
  • Fully-diversified portfolios to meet every investor’s long-term goals and risk style, from conservative to aggressive

Azzad Managed Asset Allocation Strategies

  • Equity
  • Fixed Income

Moderate Conservative
  • Equity
  • Fixed Income

  • Equity
  • Fixed Income

Moderate Aggressive
  • Equity
  • Fixed Income

  • Equity
  • Fixed Income

  • Investments regularly screened for ethical (halal) compliance
  • Regular rebalancing of assets to reflect your needs and investment goals
  • Online access allowing clients to view holdings, transactions and performance
  • Online consolidated year-end tax statement
  • Minimum account size – $500,000
  • Simple and cost-effective price – one annual fee based on account value
Note: For more complete guidance on your particular financial situation, please consult your tax advisor. Asset allocation cannot guarantee results and you may still lose money in a declining market. Azzad Asset Management does not provide tax or legal advice.