The FINDOW algorithm is free to select any stocks, from mega CAP stocks all the way down to micro CAP stocks, as long as the stock satisfies the fund’s investment ethos and ethics discussed below.

The portfolio consists of 15-20 stocks at any one time to allow for manageability and a realistic understanding of the underlying businesses. This is backed by FINDOW back-testing to achieve an edge over the market, accompanied by some diversification rules:

• Industry Diversification – No more than 10% of the portfolio can be positioned under the same industry i.e. direct business competition subject to the same macro economics
• Class Diversification – No more than 10% of the portfolio can be positioned under the same class of stocks i.e. R.I.E.T’s or commodity-based stocks
• World Diversification – No more than 10% of the portfolio can be positioned in medium/high risk geo-political markets i.e. China, India, Middle East

When it comes to buying and selling, the FINDOW algorithm will recommend a target price band with the aim to exercise scaling in and out of stocks, accumulating and making profits along the way. FINDOW back-testing shows that under-valued stocks tend to spend an average of 2-3 weeks in a buy zone prior to any movement and re-rating. This allows for ample time to assess the stock with the latest earning revisions and publish these research findings on this blog, detailing the portfolio owner’s intention toward the stock.

The FINDOW portfolio provides many advantages over a classic “hands off” money approach, by allowing for investment in the most tax efficient way, utilising all possible tax breaks and allowance. This setup gives members the opportunity to understand the underlying business, competition, risks and rewards in much more detail and in a more digestible and informative way.

As an exclusive member, you will have access to all the research blogs and the exact buy and sell alerts via email or the private WhatsApp community. It is then each member’s personal responsibility to reflect on the steps provided for timing and position sizing to achieve similar returns.

The blog will contain weekly updates of the portfolio holdings with rolling gains and losses and the next steps planned for the current holdings i.e. buy more, sell or hold.

The portfolio page summarizes each position as a percentage and not as an absolute value. This allows for easy replication for different account sizes.

At the core of our investment ethos lies a commitment to principled investment practices that align with ethical considerations and global responsibilities. One distinctive facet of our approach is the conscientious decision to promote responsible investing in line with international norms and geopolitical considerations. By refraining from investing in certain stocks, FINDOW seeks to express its commitment to ethical investment practices and contribute to the broader global discourse on responsible financial stewardship. Our investment ethos is rooted in the belief that sustainable, socially responsible investing not only benefits our members but also plays a role in fostering a positive impact on a wider scale. We remain steadfast in our dedication to upholding ethical standards and aligning our investment strategies with the values of integrity, transparency, global citizenship and international law.

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The FINDOW portfolio screens the 60,000 stocks world wide and filters for eligible stocks based on our ethical principles. It also filters for Sharia-compliant stocks under the following rules:

Filters seek to eliminate:

• bonds and other interest-based investments
• stocks of companies that have high debt (sometimes referred to as highly leveraged)
• stocks with greater than five percent revenue coming from non-Sharia-compliant sources (the “five percent rule”)
• stocks with total debt greater than 33 percent compared to their market capitalization (trailing 12 month average) and latest total assets
• stocks with accounts receivables and cash that are less than 50 percent of total assets
• securities of companies in industries that do not adhere to Islamic principles

If a company fails the screening process, it is considered an unacceptable investment. However, Sharia-compliant investment screening is not always straightforward. When considering whether an investment is Sharia-compliant, it is necessary to look deeply into a company’s business activities to discover its core sources of revenue.

FINDOW does not invest or trade using Futures, Options and CFD as it is considered non-Sharia-compliant. Physical shares are bought and held under this portfolio.

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Currently, the FINDOW portfolio does not filter for Environmental, social, and corporate governance (ESG)-compliant stocks. However, ESG scores for all companies are provided in the research blog.

This platform represents a portfolio of stocks meticulously selected by an algorithm for the purpose of executing buy, hold, and sell transactions in alignment with the algorithmic strategy for personal investments. The membership provided in connection with the portfolio does not, under any circumstances, offer or constitute financial advice for the buying or selling of stocks.

Members are granted exclusive access to the live portfolio and research theses related to the chosen stocks. It is imperative for members to recognize that this access is for informational purposes only and should not be interpreted as financial guidance.

FINDOW explicitly disclaims any responsibility or liability for decisions made by members based on information provided through membership access. Members are strongly encouraged to conduct their own due diligence and independent research when making investment decisions. Investing in the stock market involves inherent risks, including but not limited to the potential for underperformance and loss of capital.

Additionally, members are reminded that the timing of buying stocks is crucial, and fluctuations in market conditions may impact the performance of the portfolio. FINDOW, its algorithm, and any affiliated entities are not responsible for the timing of members’ stock purchases and cannot guarantee specific outcomes.

FINDOW, its algorithm, and any affiliated entities are not accountable for the accuracy, completeness, or timeliness of the information provided to members. Any reliance on the information is at the sole discretion and risk of the member.

By becoming a member, individuals acknowledge that they have read, understood, and agreed to the terms of this disclaimer. FINDOW reserves the right to modify or update this disclaimer as necessary, and it is the responsibility of members to stay informed of any changes.