BIMB Investment: Shariah-Compliant Investing

BIMB Investment Management Berhad (BIMB Investment) is a wholly-owned subsidiary of Bank Islam Malaysia Berhad and a leading Shariah-compliant asset management company in Malaysia. Its core business focuses on managing and investing in Shariah-compliant equities, fixed income, and money market instruments for both retail and institutional clients.

Philosophy and Approach

BIMB Investment’s investment philosophy is deeply rooted in Islamic principles, emphasizing ethical considerations and a long-term investment horizon. The firm adheres to stringent Shariah guidelines in its investment selection process. This involves screening investments to ensure they are free from prohibited activities such as gambling, alcohol production, interest-based transactions (riba), and excessive uncertainty (gharar). They also conduct a financial ratio screening to avoid highly leveraged companies.

Product Offerings

BIMB Investment offers a diverse range of Shariah-compliant investment products catering to different risk appetites and investment objectives. These typically include:

• Equity Funds: Investing in Shariah-compliant equities listed on Bursa Malaysia and other global stock exchanges. These funds aim to generate capital appreciation over the long term.
• Fixed Income Funds: Investing in Sukuk (Islamic bonds) and other Shariah-compliant fixed income instruments. These funds prioritize capital preservation and provide a steady stream of income.
• Money Market Funds: Investing in short-term Shariah-compliant money market instruments. These funds offer high liquidity and are suitable for investors seeking a low-risk investment option.
• Balanced Funds: A mix of equity and fixed income investments, offering a balance between growth potential and capital preservation.
• Private Mandates: Customized investment solutions tailored to the specific needs and objectives of institutional clients.

Performance and Recognition

BIMB Investment has consistently demonstrated strong investment performance over the years, earning recognition from reputable industry publications and rating agencies. This success is attributed to its rigorous investment process, experienced investment team, and commitment to Shariah principles. Awards often cite the firm’s ability to generate competitive returns while adhering to ethical and responsible investment practices.

Commitment to Sustainability

Beyond Shariah compliance, BIMB Investment is increasingly focused on integrating Environmental, Social, and Governance (ESG) factors into its investment decisions. This commitment to sustainable investing reflects a growing awareness of the importance of considering the impact of investments on the environment, society, and corporate governance practices. By prioritizing investments in companies that demonstrate strong ESG performance, BIMB Investment aims to contribute to a more sustainable and responsible future.

Accessibility

BIMB Investment’s products are accessible to a wide range of investors through various distribution channels, including banks, financial advisors, and online platforms. This broad accessibility ensures that individuals and institutions seeking Shariah-compliant investment options can easily access BIMB Investment’s expertise and product offerings.