During the last three years the US dollar has appreciated by over 25% against major currencies (see Exhibit 1 below). This rally has been driven by a series of events. An asset allocation based solely on a macroeconomic view and a breakdown by asset class, region or sector is no longer sufficient for investors. They seek real risk diversification and as such are increasingly looking for exposure to specific risk and performance factors, often called smart beta factors. In recent years, the development of smart beta strategies has rapidly spread in the equity universe and is now gaining in popularity in other asset classes such as corporate bonds or commodities. An asset allocation based solely on a macroeconomic view and a breakdown by asset class, region or sector is no longer sufficient for investors. The value of investments and the revenue they generate can increase or decrease and it is possible that investors will not recover their initial investment. Islamic Sharia principles. The services include fund management, which pools funds/assets from a number of investors (such as mutual funds), and/or portfolio management, which pools funds/assets from individual high-net worth investors. For investors, this could be either a great time to invest in assets or a better time to protect their net worth.