Aum-am.com Review

Based on looking at the website aum-am.com, this platform is an independent investment management company that offers investment and fund solutions, asset management, and advisory services primarily to institutional investors and family offices.

While the site presents itself professionally and claims to be licensed by the Malta Financial Services Authority MFSA, the nature of its financial services, particularly those involving traditional investment frameworks, often includes elements that do not align with Islamic finance principles, such as interest-based returns or speculative ventures.

For those seeking ethical, Sharia-compliant financial management, AUM Asset Management’s offerings would require meticulous scrutiny to ensure adherence to Islamic principles, which might prove challenging given the conventional structure of many of their stated services.

Overall Review Summary:

• Website Professionalism: High
• Clarity of Services: Good, clearly outlines investment, fund, asset management, and advisory solutions.
• Regulatory Information: Claims licensing by MFSA, which is a positive sign for legitimacy.
• Ethical Alignment Islamic Finance: Potentially problematic due to typical conventional investment practices interest, speculation, requiring deep due diligence for Sharia compliance.
• Transparency: Provides contact information and regulatory disclosures.
• Target Audience: Institutional investors and family offices, not individual retail investors.

The website, aum-am.com, positions itself as a serious player in the investment management space, emphasizing its “results-driven” approach and ESG-centric Environmental, Social, and Governance philosophy.

It highlights services like traditional, alternative, and real-asset strategies.

However, the core challenge for a Muslim investor or institution lies in the inherent structure of conventional finance, which often involves interest riba, excessive uncertainty gharar, and investments in industries not permissible in Islam.

While they mention ESG, this does not automatically equate to Sharia compliance.

An ethical investor would need to delve much deeper into their specific investment vehicles, underlying assets, and operational methodologies to ascertain if they truly avoid prohibited elements.

Without explicit declarations of Sharia compliance and a robust Sharia supervisory board, it’s safer to lean towards platforms explicitly designed for Islamic finance.

Best Alternatives for Ethical Investment Management:

1. Wahed Invest
   • Key Features: Halal-certified online investment platform, diversified portfolios in ethical sectors, automated rebalancing, Zakat calculation.
   • Average Price: Management fees typically range from 0.49% to 0.99% annually, depending on the plan.
   • Pros: Fully Sharia-compliant, easy-to-use interface, accessible for various investment levels, global presence.
   • Cons: Limited range of asset classes compared to conventional platforms, potential for lower returns if Sharia-compliant options underperform specific conventional markets.
2. Amanah Private Equity Specific focus on private equity
   • Key Features: Sharia-compliant private equity investments, focus on real assets and ethical businesses, long-term growth.
   • Average Price: Fees vary greatly based on the specific fund and investment size. typically involves management fees and carried interest.
   • Pros: Direct investment in real, ethical businesses. aligns with Islamic principles of equity participation.
   • Cons: Higher investment minimums, less liquidity than publicly traded assets, complex for individual investors.
3. Saturna Capital Amana Funds
   • Key Features: Offers a range of Sharia-compliant mutual funds and ETFs, investing in companies that pass ethical screens, strong track record.
   • Average Price: Expense ratios for mutual funds typically range from 0.5% to 1.0% annually.
   • Pros: Well-established, diversified exposure to global ethical equities and fixed income, transparent reporting.
   • Cons: Still a fund structure, requiring continuous monitoring for Sharia compliance of underlying holdings. not direct asset management.
4. Gatehouse Bank UK-based, but offers international services
   • Key Features: Sharia-compliant banking and investment services, including property finance, wealth management, and savings accounts based on Islamic principles.
   • Average Price: Varies by service, generally competitive with conventional banks for similar offerings, but structured differently e.g., profit rates instead of interest.
   • Pros: Comprehensive Sharia-compliant financial solutions. reputable institution.
   • Cons: Primarily UK-focused, though some services may extend internationally. onboarding can be more involved.
5. Islamic Finance Gateway Refinitiv
   • Key Features: Provides comprehensive data, analytics, and insights for Islamic finance professionals, including Sukuk, equities, and funds. While not a direct investment platform, it’s crucial for due diligence and understanding ethical markets.
   • Average Price: Subscription-based, tailored for institutional users.
   • Pros: Essential tool for ethical investment research and analysis. highly authoritative data.
   • Cons: Not a direct investment service. designed for professionals, not individual investors.
6. Sharia Portfolio
   • Key Features: Offers Sharia-compliant investment portfolios managed by financial advisors, including ETFs, mutual funds, and direct equity.
   • Average Price: Advisory fees typically range from 0.5% to 1.5% of assets under management.
   • Pros: Personalized investment advice, diversified Sharia-compliant portfolios, focus on long-term growth.
   • Cons: Requires direct engagement with advisors, potentially higher fees than robo-advisors.
7. Noor Capital UAE-based, but global reach for HNWIs
   • Key Features: Offers Sharia-compliant asset management, brokerage, and investment banking services, catering to high-net-worth individuals and institutions.
   • Average Price: Tailored to client needs, typically involves high minimums and customized fee structures.
   • Pros: Comprehensive Islamic financial solutions, strong regional presence, caters to sophisticated investors.
   • Cons: Geared towards large investors, not easily accessible for smaller portfolios.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Aum-am.com Review & First Look

Aum-am.com presents itself as a professional investment management firm, AUM Asset Management Ltd., established in 2015. Based on our initial review of their homepage, the website offers a clean, corporate aesthetic designed to instill confidence.

They prominently feature their core services: investment solutions, fund solutions, asset management, and investment advisory.

The site claims offices in Malta and London and highlights receiving three 2023 Awards from International Business Magazine, adding a layer of credibility.

However, for those keen on ethical finance, particularly within an Islamic framework, a beyond the surface is crucial.

Initial Impressions on Transparency and Professionalism

The website provides a clear contact address in Malta, a phone number, and a footer indicating copyright until 2025 a potential forward-looking statement or typo for 2024, which requires clarification. Crucially, they state being “Licensed by the Malta Financial Services Authority MFSA as an AIF Manager.” This is a significant piece of information, as regulatory licensing is a foundational element for legitimate financial institutions.

They also link to “DISCLAIMER” and “REGULATORY DISCLOSURES” pages, which is a positive sign for transparency, inviting users to review their legal and compliance frameworks.

Understanding the Investment Philosophy

AUM Asset Management states its investment philosophy is “not restricted by traditional investment frameworks,” aiming for the “best risk/return profile for each client.” While this sounds flexible and client-centric, it also raises red flags for Islamic finance principles.

Islamic finance prohibits investments in certain sectors e.g., alcohol, gambling, conventional banking, certain entertainment and disallows interest-based transactions riba and excessive speculation gharar. The mention of “traditional, alternative and real-asset strategies” could encompass permissible investments, but without explicit Sharia screening and certification, there’s no guarantee.

An ethical investor must assume, until proven otherwise, that such a broad approach will likely include elements not permissible in Sharia.

Aum-am.com Pros & Cons

When evaluating Aum-am.com from an ethical and general professional standpoint, several aspects stand out. Drpoppinoff.com Review

It’s important to weigh these carefully, especially if one’s investment criteria extend beyond purely financial returns to include moral and religious adherence.

Advantages of Aum-am.com’s Presentation

• Professional Website Design: The site is well-structured, easy to navigate, and visually appealing. This reflects a commitment to a professional image and user experience.
• Clear Service Offerings: The distinct categories of Investment Solutions, Fund Solutions, Asset Management, and Investment Advisory are clearly articulated, helping potential clients understand their core competencies.
• Regulatory Claim: The stated licensing by the MFSA is a strong indicator of legitimacy and compliance with European financial regulations. This provides a layer of security for institutional clients.
• ESG Integration Mention: AUM mentions an “ESG-centric approach,” which implies a consideration for environmental, social, and governance factors. While not Sharia-compliant by default, it suggests a broader awareness of ethical investing, which is a positive, albeit insufficient, step for Islamic finance.
• Award Recognition: Highlighting awards from International Business Magazine though the magazine’s standing would need independent verification can enhance perceived credibility.
• Dedicated Team Section: A link to “TEAM” suggests transparency about their key personnel, allowing clients to research the experience and background of their investment veterans.

Potential Drawbacks, Especially for Ethical Investors

• Lack of Explicit Sharia Compliance: This is the most significant “con” for a Muslim investor. The website makes no mention of Sharia boards, Islamic finance principles, or specific Sharia screening processes. Without these, it’s highly probable that their investment strategies involve interest, non-halal sectors, or excessive speculation.
• “Not Restricted by Traditional Investment Frameworks”: While intended to sound flexible, this phrase implies a willingness to engage in conventional financial instruments and strategies that may not align with Islamic prohibitions on riba, gharar, and certain industries.
• Focus on Institutional Clients: Their primary target audience of “institutional investor and family office clients” means their services are likely high-minimum and potentially less transparent to the public regarding specific portfolio holdings that would be critical for Sharia compliance checks.
• Forward-Dated Copyright: A copyright “© 2025 AUM Asset Management Ltd.” raises a minor, but notable, question about attention to detail. While it could be a simple typo, it might suggest a lack of meticulousness or a common forward-dating practice that is generally discouraged as it can create confusion.
• Absence of Detailed Performance Data Publicly: While likely shared directly with clients, the public website does not feature detailed historical performance data, which might be expected from a firm promoting “consistent growth.”

Understanding the Investment Landscape: Why Islamic Finance is Different

The financial world is vast, with countless investment opportunities.

However, for Muslims, the choice is guided by principles derived from the Quran and Sunnah, which set distinct boundaries on what is permissible halal and impermissible haram. This framework is not merely about avoiding certain products.

It’s about fostering a just, equitable, and stable economic system.

The Core Prohibitions in Islamic Finance

• Riba Interest: This is perhaps the most fundamental prohibition. Any transaction involving fixed, predetermined returns on money lent, or payments for delayed payments, is considered riba. This includes conventional loans, bonds, and most traditional banking savings accounts. Islamic finance emphasizes risk-sharing and profit-and-loss sharing PLS instead.
• Gharar Excessive Uncertainty/Speculation: Transactions with excessive uncertainty or ambiguity, where the outcome is unclear or involves gambling-like elements, are forbidden. This applies to highly speculative derivatives, complex insurance products that resemble gambling, and investments where the underlying asset is unknown.
• Maysir Gambling: Any form of gambling or games of chance where wealth is transferred based on pure luck is prohibited. This extends to lotteries, casinos, and speculative trading practices that mimic gambling.
• Investments in Haram Industries: Islamic law prohibits investments in businesses primarily involved in alcohol, pork, conventional banking riba-based, gambling, pornography, tobacco, and conventional entertainment e.g., podcast and movies with explicit content.
• Exploitation and Injustice: Islamic finance promotes ethical conduct, fair trade, and social responsibility. Exploitative practices, injustice, and transactions that harm society are discouraged.

The AUM-am.com Conflict: A Conventional Approach

Aum-am.com, by its own description, operates within a conventional investment framework.

Phrases like “traditional, alternative and real-asset strategies” and aiming for the “best risk/return profile” are standard in conventional finance.

Without explicit safeguards, such an approach inherently means:

• Interest-Bearing Instruments: It’s highly likely their portfolios will include interest-bearing bonds, loans, or other debt instruments, which are central to conventional finance.
• Unscreened Equities: Investments in stocks would typically involve companies from various sectors, many of which would fail a Sharia screen e.g., conventional banks, entertainment companies, alcohol producers.
• Speculative Products: While not explicitly stated, “alternative strategies” often include derivatives and complex financial instruments that can involve excessive gharar.

For a Muslim, engaging with such a platform without rigorous, third-party Sharia certification and oversight is akin to navigating a minefield blindfolded.

The potential for earning haram income or investing in haram ventures is extremely high.

The “ESG-centric approach” is a positive, but it does not replace Sharia compliance. Kitty-top.com Review

ESG focuses on environmental, social, and governance factors from a secular ethical perspective, which may overlap with some Islamic principles but does not cover all prohibitions like riba or specific haram industries.

Aum-am.com Alternatives for Ethical Wealth Management

Given the conventional nature of Aum-am.com’s services, it’s essential for individuals and institutions prioritizing Sharia-compliant wealth management to explore alternatives that explicitly adhere to Islamic finance principles.

These alternatives offer solutions that avoid interest, excessive speculation, and investments in prohibited industries, focusing instead on real economic activity, ethical businesses, and profit-and-loss sharing.

Key Features to Look for in Halal Alternatives

When evaluating Sharia-compliant financial institutions, look for:

• Sharia Supervisory Board SSB: An independent board of Islamic scholars who review and certify all products and operations for Sharia compliance. This is non-negotiable.
• Transparency: Clear disclosure of investment methodologies, underlying assets, and purification processes if any, for unavoidable incidental non-compliant income.
• Real Asset-Backed Investments: Emphasis on investments in tangible assets, real estate, ethical businesses, and permissible commodities.
• Profit-and-Loss Sharing PLS: Models that involve sharing both profits and losses between investors and the financial institution, aligning with true partnership.
• Avoidance of Riba and Gharar: Explicit commitment to avoiding interest-based transactions and excessive speculation.

Top Ethical Alternatives Recap for Focus

1. Wahed Invest: This is a leading global platform offering diversified, Sharia-compliant investment portfolios. Wahed’s approach is fully certified by their Sharia Supervisory Board, making it a reliable choice for individuals and institutions looking for automated, ethical investing. They screen companies for their primary business activities, financial ratios to ensure low debt and liquidity, and revenue from non-compliant sources.
2. Amana Funds by Saturna Capital: As one of the oldest and largest providers of Islamic mutual funds in the US, Amana Funds offers various options e.g., Amana Growth Fund, Amana Income Fund that invest in companies adhering to Islamic principles. Their rigorous screening process excludes companies involved in alcohol, tobacco, gambling, pork products, conventional banking, and defense industries.
3. Gatehouse Bank: A UK-based Sharia-compliant bank that offers a range of services including savings accounts, property finance, and asset management based on Islamic principles. While geographically focused, their model exemplifies ethical financial services, offering an alternative to conventional banking for larger investments or property financing.
4. ShariaPortfolio: This firm provides personalized Sharia-compliant investment management services, including direct equity, ETFs, and mutual funds. They cater to a range of investors and emphasize custom solutions that meet individual financial goals while strictly adhering to Islamic guidelines. Their strength lies in the active management and advisory aspect, providing tailored strategies.
5. Islamic Real Estate Funds: Many specialized funds operate under Islamic principles for real estate investments. These typically involve direct ownership of properties, avoiding interest-based mortgages, and sharing rental income. Examples might include funds managed by Arcapita for institutional clients or Guidance Residential for individual home financing based on Murabaha/Musharaka. While not a direct alternative to Aum-am’s broad offerings, real estate is a significant component of ethical, asset-backed investing.

These alternatives represent a spectrum of Sharia-compliant financial services, from automated investment platforms to specialized funds and full-service banking, ensuring that ethical investors have viable options that align with their faith.

How to Approach Due Diligence for Financial Services

When it comes to financial services, especially those purporting to manage wealth, diligence is paramount.

This becomes even more critical when ethical or religious considerations are involved.

For Aum-am.com or any similar entity, a systematic approach to verifying their claims and assessing their suitability is essential.

Verifying Regulatory Compliance

The first step is always to verify their licensing.

Aum-am.com claims to be “Licensed by the Malta Financial Services Authority MFSA.” You should: Konnco.com Review

• Visit the Regulator’s Website: Go directly to the official MFSA website mfsa.mt.
• Search Their Register: Look for a public register or licensed entity search tool. Input the company name AUM Asset Management Ltd. or their license number if provided.
• Confirm Scope of License: Verify that the license is active and covers the specific services they claim to offer e.g., “AIF Manager,” “management of investments,” “investment advice”. A license for one activity does not imply authorization for all.
• Check for Disciplinary Actions: While on the regulator’s site, check if there are any public notices of disciplinary actions, fines, or warnings against the company.

Scrutinizing the Investment Philosophy and Products

Beyond regulatory status, understanding how they invest is crucial.

• Request Detailed Product Information: If you are a prospective client, demand comprehensive prospectuses, offering memoranda, or detailed product sheets for each investment solution. These documents outline the underlying assets, risk factors, and fee structures.
• Understand Revenue Streams: For asset management firms, how they generate returns is key. Is it through conventional interest bonds, loans, equity in permissible businesses, real estate, or other means? Look for specific examples of their holdings if possible.
• Ask About Screening Processes: For any firm, and especially if you’re attempting to align with ethical principles, inquire about their investment screening methodologies. Do they exclude certain industries? What are their criteria for selecting assets?
• Risk Disclosure: A reputable firm will have thorough risk disclosures. Understand the potential downsides, liquidity constraints, and market volatilities associated with their strategies.

Assessing Transparency and Client Service

• Contact Information: Check if their provided phone number and email are functional and if they respond promptly and professionally.
• Reporting: Inquire about the frequency and detail of client reports. Do they offer 24/7 portfolio monitoring as claimed? How easily can clients access their senior team?
• Fees and Charges: Ensure all fees—management fees, performance fees, administrative charges, custodian fees—are explicitly detailed and understood. Hidden fees can erode returns significantly.
• Client Reviews and Testimonials: While not always conclusive, look for independent reviews on financial forums, industry review sites, or professional networks like LinkedIn for employee endorsements to get a broader perspective on client experiences. Be wary of sites with only overwhelmingly positive or negative, unverified reviews.

By systematically applying these due diligence steps, you can build a comprehensive picture of a financial service provider’s credibility, operational integrity, and alignment with your specific ethical or financial objectives.

How to Cancel Aum-am.com Services General Guidelines

Since Aum-am.com caters to institutional investors and family offices, the process for canceling services is unlikely to be a simple click of a button or an online form, as might be the case for consumer-facing subscriptions.

Instead, it will involve a more formal, contract-based procedure typical of high-value financial agreements.

Reviewing Your Agreement and Contract

The absolute first step is to locate and thoroughly review the Investment Management Agreement IMA, Fund Subscription Agreement, or any other formal contract you signed with AUM Asset Management Ltd. This document will contain the precise terms and conditions for termination, including:

• Notice Period: The minimum advance notice required for cancellation e.g., 30, 60, 90 days, or longer.
• Termination Clauses: Specific conditions under which either party can terminate the agreement.
• Exit Fees/Penalties: Any charges or penalties associated with early termination or withdrawal of funds.
• Required Format for Notice: Whether notice must be in writing, via certified mail, email, or a specific electronic portal.
• Liquidation/Transfer Process: Details on how assets will be liquidated, redeemed, or transferred to another custodian/brokerage. This often involves specific timelines and procedures for asset valuation and disbursement.

Steps to Initiate Cancellation

1. Formal Written Notice: Draft a formal letter or email clearly stating your intention to terminate services. Include your account number, the effective date of termination adhering to the notice period, and a clear request for the cessation of services and asset liquidation/transfer.
2. Contact Your Relationship Manager: For institutional clients, you will likely have a dedicated relationship manager or point of contact. Inform them verbally of your intent to terminate and follow up with the formal written notice. They can guide you through the specific internal procedures.
3. Confirm Receipt of Notice: Ensure AUM Asset Management acknowledges receipt of your termination notice in writing. This creates a paper trail.
4. Coordinate Asset Transfer/Liquidation: Work closely with their operations or client service team to execute the transfer of your assets to another institution or the liquidation and disbursement of funds. This may involve providing details of your new custodian or bank account.
5. Final Reconciliation and Fees: Expect a final accounting statement, reconciliation of any outstanding fees, and confirmation of asset transfers or cash disbursements. Ensure all charges align with your contract.
6. Follow Up: Maintain consistent communication and follow up regularly until the process is complete and all assets are accounted for.

Important Note: Financial contracts for institutional services are complex. It is highly advisable to consult with your legal counsel or financial advisor before initiating any termination process to ensure you understand all implications and protect your interests. Do not rely solely on informal communications. always follow up with formal, documented notices as required by your agreement.

Aum-am.com Pricing and Fee Structures

Based on the nature of Aum-am.com’s services—investment and fund solutions, asset management, and advisory services for institutional investors and family offices—their pricing and fee structures will be highly customized and not publicly listed on their website.

Unlike retail investment platforms with transparent percentage-based fees, institutional asset managers typically employ a multi-layered approach to compensation.

Common Fee Components for Institutional Asset Management

1. Management Fees AUM-based:

   • Description: This is the most common fee type, charged as a percentage of the Assets Under Management AUM.
   • Structure: It can be a fixed percentage e.g., 0.5% to 2% annually or a tiered structure where the percentage decreases as the AUM increases e.g., 1.5% on the first $100M, 1.0% on the next $200M, etc..
   • Payment: Typically calculated and charged quarterly or annually.

2. Performance Fees Incentive Fees: Sunsy.shop Review

   • Description: These fees are earned by the manager if the portfolio achieves returns above a certain threshold, known as a “hurdle rate,” or outperforms a specific benchmark.
   • Structure: Often a percentage of the profits e.g., 10-20% of gains above the hurdle rate.
   • High-Water Mark: Many performance fee structures include a “high-water mark” provision, meaning the manager only earns a performance fee if the portfolio’s value exceeds its previous highest value. This prevents them from earning fees for simply recovering past losses.

3. Advisory Fees:

   • Description: For pure investment advisory services where AUM might not be directly managed by AUM, fees could be retainer-based, hourly, or a percentage of the assets advised upon.
   • Structure: Varies widely depending on the scope and complexity of the advisory engagement.

4. Custody Fees:

   • Description: While AUM Asset Management provides the management, the assets are typically held by a third-party custodian. The custodian charges fees for safeguarding the assets and processing transactions.
   • Structure: Can be a fixed fee, a percentage of AUM held, or transaction-based.

5. Transaction Costs Brokerage, Trading Fees:

   • Description: Costs incurred when buying and selling securities within the managed portfolio.
   • Structure: Charged per trade or as a commission, often passed directly to the client.

6. Fund-Specific Fees for Fund Solutions:

   • Description: If AUM is setting up and managing a specific fund for a client, there will be fees related to fund administration, legal compliance, audit fees, and other operational costs specific to the fund’s lifecycle.
   • Structure: Can be explicit charges or embedded within the fund’s expense ratio.

How to Ascertain Aum-am.com’s Specific Fees

To understand the exact pricing for Aum-am.com’s services, a prospective institutional client would need to:

• Engage Directly: Initiate a conversation with their sales or client relations team.
• Provide Investment Mandate: Clearly outline their investment goals, risk tolerance, and the scope of services required.
• Receive a Customized Proposal: AUM would then likely prepare a tailored proposal outlining the specific fee structure applicable to that client’s mandate.

Given the sophisticated client base, Aum-am.com’s fees would be competitive within the institutional asset management industry, reflecting the expertise, global network, and specialized services they claim to offer.

For ethical investors, these fees, while important, become secondary to the fundamental question of Sharia compliance, which is not transparently addressed on their public site.

Aum-am.com vs. Competitors Traditional and Islamic

When evaluating Aum-am.com, it’s helpful to compare its offerings not just within the conventional asset management space but also against firms that specialize in ethical, Sharia-compliant finance.

This allows for a holistic understanding of its positioning and suitability for various investor profiles.

Against Traditional Asset Managers e.g., BlackRock, Vanguard, State Street

Aum-am.com’s Strengths: Awc.cleaning Review

• Niche Focus potentially: While broad, their emphasis on “boutique” service for institutional and family offices, with direct access to senior teams, might appeal to clients seeking more personalized attention than what mega-firms offer.
• Agility: As a smaller firm founded in 2015, they might be more agile in adapting strategies or servicing specific client mandates compared to larger, more bureaucratic organizations.
• ESG Mention: Their stated ESG focus positions them within a growing segment of the conventional market that values responsible investing, though this is now becoming standard practice even for large players.

Where Aum-am.com May Differ or Lag:

• Scale and Reach: They cannot compete with the sheer scale, global reach, and vast product array of titans like BlackRock or Vanguard, who manage trillions in assets across every conceivable asset class and geography.
• Brand Recognition and Track Record: Larger firms have decades of established track records and widely recognized brands, which often instill greater confidence, especially among very large institutions. Aum-am.com would need to build a compelling narrative around its specific expertise and performance to attract clients that might otherwise go to established giants.
• Proprietary Research & Technology: Mega-firms invest heavily in proprietary research, quantitative analysis, and sophisticated technology platforms, which may offer an edge in terms of market insights and operational efficiency.

Against Islamic Asset Managers e.g., Wahed Invest, Saturna Capital Amana Funds, Franklin Templeton Islamic Funds

Aum-am.com’s Disadvantages from an Islamic perspective:

• Lack of Sharia Compliance: This is the most glaring difference. Aum-am.com makes no mention of Sharia boards, Islamic finance principles, or ethical screens specifically designed to comply with Islamic law. This renders it unsuitable for investors whose primary criterion is Sharia adherence.
• Conventional Investment Universe: Their “not restricted by traditional frameworks” approach suggests they operate within the full spectrum of conventional finance, including interest-bearing instruments and investments in industries prohibited by Islamic law. Islamic asset managers meticulously screen investments to exclude these.
• Target Audience vs. Islamic Investor Needs: While both cater to institutions/HNWIs, Islamic asset managers provide solutions specifically designed for the unique compliance needs of Muslim endowments, foundations, and high-net-worth individuals, which Aum-am.com does not.

Where Aum-am.com is not a Competitor:

• For any investor seeking explicitly Sharia-compliant investment solutions, Aum-am.com is not a direct competitor. Islamic asset managers exist precisely to fill this gap, offering a range of mutual funds, private equity, real estate, and wealth management services that are certified compliant by reputable Sharia scholars. These firms invest in industries like technology, healthcare excluding non-halal pharmaceuticals, real estate, and ethical manufacturing, while strictly avoiding riba, gharar, and maysir.

In summary, Aum-am.com appears to be a player in the traditional, boutique asset management space, focusing on personalized service for a high-value clientele.

However, for those with an Islamic finance mandate, it does not offer a viable solution due to its apparent lack of Sharia compliance and adherence to conventional financial instruments.

FAQ

What is Aum-am.com?

Aum-am.com is the official website for AUM Asset Management Ltd., an independent investment management company that provides investment and fund solutions, asset management, and advisory services to institutional investor and family office clients globally.

Is Aum-am.com a legitimate company?

Based on its website, Aum-am.com presents itself as a legitimate company, stating it was founded in 2015, has offices in Malta and London, and is licensed by the Malta Financial Services Authority MFSA as an AIF Manager.

Verifying their MFSA license directly with the regulator is recommended for full confirmation.

Does Aum-am.com offer services to individual investors?

No, Aum-am.com explicitly states its services are tailored for “institutional investor and family office clients,” indicating it does not typically cater to individual retail investors.

What types of investment solutions does Aum-am.com provide?

Aum-am.com offers a range of innovative investment solutions, including traditional, alternative, and real-asset strategies, along with fund solutions, asset management, and investment advisory services. Buyessay.net Review

Is Aum-am.com Sharia-compliant?

No, Aum-am.com does not explicitly state or suggest that its services are Sharia-compliant.

Its conventional investment strategies and lack of mention of a Sharia Supervisory Board or Islamic finance principles mean its offerings likely do not align with Islamic ethical investment guidelines.

What are the key features of Aum-am.com’s investment philosophy?

Aum-am.com highlights a “results-driven” approach, aiming for “consistent growth of clients’ wealth,” and employing a “thoughtful, ESG-centric approach to investing.” They also emphasize a philosophy “not restricted by traditional investment frameworks.”

Where are Aum-am.com’s offices located?

Aum-am.com has offices in Malta and London, with a contact address provided in Naxxar, Malta.

Does Aum-am.com have any awards or recognitions?

Yes, the website mentions that AUM Asset Management Ltd.

Received three 2023 Awards from International Business Magazine.

How can I contact Aum-am.com?

You can contact Aum-am.com via their provided phone number +356 2713 9851 or by visiting their contact page on the website for other inquiry methods.

What is ESG investing, as mentioned by Aum-am.com?

ESG stands for Environmental, Social, and Governance.

It’s an investment approach that considers how a company’s operations impact the environment, its relationships with employees, suppliers, customers, and communities, and its leadership structure and compensation.

While beneficial, it is distinct from Sharia compliance. Babab.net Review

How does Aum-am.com ensure transparency to its clients?

Aum-am.com mentions “exceptional investment transparency” and provides links to “DISCLAIMER” and “REGULATORY DISCLOSURES” on its website, suggesting a commitment to providing legal and compliance information.

They also claim 24/7 portfolio monitoring and detailed investment reports.

What is the Malta Financial Services Authority MFSA license?

The MFSA is the single financial services regulator in Malta.

An MFSA license, particularly as an AIF Alternative Investment Fund Manager, indicates that the firm is authorized and regulated to provide specific investment services within the European Union.

Does Aum-am.com offer a free trial for its services?

No, as an institutional asset management firm, Aum-am.com does not offer free trials in the way a typical software service might. Engagement involves formal contractual agreements.

What are the typical fees for Aum-am.com’s services?

Aum-am.com’s specific fees are not publicly disclosed and are typically customized for institutional clients.

They generally involve management fees percentage of AUM, performance fees based on returns, and potentially advisory fees or fund-specific charges.

How does Aum-am.com handle risk management?

Aum-am.com highlights “24/7 portfolio monitoring and risk mitigation, focused on investment intelligence” as one of the reasons to choose them.

Detailed methodologies would be in their private client agreements.

Can I cancel my service with Aum-am.com easily?

Cancellation of services with Aum-am.com would likely involve reviewing the terms outlined in your specific investment agreement e.g., Investment Management Agreement. It would typically require formal written notice and adherence to a stipulated notice period, rather than a simple online cancellation. Karltayloreducation.com Review

Does Aum-am.com invest in real estate?

Yes, Aum-am.com mentions offering “real-asset strategies” as part of its investment solutions, which can include real estate, among other tangible assets.

Who founded AUM Asset Management Ltd.?

AUM Asset Management Ltd.

Was founded in 2015 by financier and investor Jean-François de Clermont-Tonnerre.

What kind of “global network” does Aum-am.com claim to have?

Aum-am.com mentions a “comprehensive global network of leading fund administrators, custodians, legal and compliance professionals and advisors,” indicating partnerships to support their investment operations.

Why should I consider Sharia-compliant alternatives to Aum-am.com?

You should consider Sharia-compliant alternatives if your investment decisions must adhere to Islamic principles, which prohibit interest riba, excessive uncertainty gharar, gambling maysir, and investments in specific haram industries like alcohol, pork, or conventional banking.

Aum-am.com, operating within a conventional framework, would likely include such elements.