Pick a Strategy and Stick to it
By Saghir Aslam
Irvine , CA


(The following information is provided solely to educate the Muslim
community about investing and financial planning. It is hoped that the
ummah will benefit from this effort through greater financial
empowerment, enabling the community to live in security and dignity
and fulfill their religious and moral obligations towards charitable
Most folks can’t stick to any focused strategy, whether theirs, mine,
their friend’s or anyone else’s.  They seek consensus, which is no
strategy, and no real diversification.  Why ask me?  Great investors
always have a clear strategy and adhere to it for years to follow.
Learn from them.  If you have a strategy that works, ignore me and
everyone else and stick to it.  The fact is that years ago, I learned
that different investment styles, big caps, small caps, value, growth,
each have their own seasons.  There are times when one style works
best and times when another does.  My research tells me that this is
still a time for the superstock strategy.  Think flexibly, but
strategize rigidly.  That is, decide which investment style is right
for the present, and, once you have decided the strategy then follow
through.  It’s hard but necessary for great success.  Do not deviate
unless the circumstances picture change.

One Strategy to Consider
A systematic investment is a good strategy for investing during
periods of market volatility.  That is why I would like to suggest an
easy investment plan (your own plan).  It enables you to accumulate
wealth over time easily and conveniently.
With EasyInvest, you choose the amount (any amount between $100 and
$5,000), how often you want to invest (semimonthly, monthly, or
quarterly) and from where (Active Assets Account or bank checking or
savings account).
By investing regularly, you may smooth out the effects of the
market’s ups and downs on your portfolio by buying more shares when
prices are down and fewer shares when prices rise.  While this
strategy may help to reduce your average cost per share, it cannot
assure a profit or protect against loss in a declining market.  Of
course, before any investment plan, you should consider your ability
to make regular investments regardless of fluctuating prices.
Before starting with your hard earned money, why not try 21 paper
trades?  See what works for you.  What’s good for you.  InshaAllah
this kind of practice will make you more profit.
Good luck.  May Almighty God bless your investments so you can donate
more for great Islamic causes.
(Saghir A. Aslam only explains strategies and formulas that he has
been using. He is merely providing information, and NO ADVICE is
given. He does not endorse or recommend any broker, brokerage
firm, or any investment at all, or does he suggest that anyone will
earn a profit when or if they purchase stocks, bonds or any other
investments. All stocks or investment vehicles mentioned are for
illustrative purposes only. Mr Aslam is not an attorney, accountant,
real estate broker, stockbroker, investment advisor, or certified
financial planner. He does not have anything for sale.)


Editor: Akhtar M. Faruqui
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