Iman Fund
the Iman Fund

(Symbol: IMANX)
Investing with Values
Contact Us: 877-417-6161
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Our Lord! Give us good in this world, And good in the Hereafter...
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Halal Investing For Retirement

Why Plan for Retirement?
For some people retirement is only a few years away, and for others retirement is decades away. Regardless of your age and your expected date of retirement, planning ahead can allow you to live the lifestyle you've always imagined. Time is on the side of those who plan ahead for retirement. Alas, some statistics show that only four of every 100 people who reach age 65 are able to enjoy the lifestyle they anticipated. Everyday that you delay means a missed opportunity for your money to grow.

There are no second chances for making sure you having enough retirement income for your needs. The earlier you start saving toward that time, the better off you could be.

What Are My Options?
The amount of money you need for tomorrow is a growing and moving target. Set some objectives, decide on the risk level you are willing to take and set reasonable expectations. You have a better chance of beating inflation and fluctuating market conditions by committing your savings dollars for the long haul. Start today.

Source: American United Life Insurance Company website


For Individuals and Families:
The IRA - Established by the federal government, IRAs or Individual Retirement accounts permit you to save tax free or tax deferred for retirement. There are two main types of IRAs, Roth and Traditional:

Take Retirement Saving into Your Own Hands

You have the power to take charge of your financial future by opening and contributing to an IRA.

Why is personal retirement saving so important? The number of defined benefit plans (traditional pensions) offered by employers has steadily declined to less than half the number offered in 1986.* And if you are counting on Social Security, the numbers just don't add up. Social Security provides the average retiree only 38% of his or her total income. ** Plus, unless changes are made, benefits could be cut by 27% starting in 2042.**

The Benefits of IRAs

IRAs allow you to save money on a tax-deferred basis, which means your money could grow faster than it would in a taxable account earning the same rate of return. With a traditional IRA, you pay taxes at ordinary income tax rates upon withdrawal at retirement.*** Your contribution may be tax deductible, depending on your income and whether or not you participate in an employer-sponsored plan. Income-earners less than age 70 ½ in the contribution year, or their spouses, may contribute to a traditional IRA.

With a Roth IRA, contributions are never tax-deductible. However, withdrawals of earnings may be tax-free if you hold the account for at least five years and until you reach age 59 1/2. Income-earners of any age, or their spouses, may contribute as long as their adjusted gross income is below certain levels.

How can you do this? At Iman Fund Investments we offer you this golden opportunity.

*Source: Employee Benefit Research Institute,
**Source: Social Security Administration,
***Source: Withdrawals made prior to age 59 1/2 may be subject to a 10% tax penalty.
Source: DCU Network - Quarterly Financial Publication from Digital Federal Credit Union ( Winter 2004)



Roth IRA - No matter what your age, as long as you have earned income or are married to someone who does, you're eligible to contribute to a Roth IRA as long as your modified adjusted gross income doesn't exceed certain levels. Capital gains are tax-free. Withdrawals during retirement are generally tax-free although contributions are not tax-deductible. A Roth IRA is particularly attractive if you're an early-career investor or expect your tax rate during retirement to be higher than your tax rate today. There is presently no mandatory withdrawal age and the funds can be used for first time home purchase.

Traditional IRA - Virtually everyone who is under age 70 ½ and works or is married to someone who works is eligible to contribute to a traditional IRA. Generally, you can deduct all or part of your contributions - even if you participate in an employer-sponsored plan - as long as your modified adjusted gross income doesn't exceed certain limits. See the Iman Fund IRA Disclosure Booklet for eligibility rules, deductible limits, and distributions. Even if your contribution is not tax-deductible, your contributions and earnings will be growing tax-deferred. Contributions to the Traditional IRA may be tax deductible, and the funds can be used toward first home purchase.



Year Normal* Catchup**
2007 $4,000 $1,000
2008 $5,000 $1,000
2009+ Indexed $1,000


* Amount you can invest per year in an IRA.
** If over 50 years of age, you can add an additional amount to the IRA.

The Fund does not offer tax advice. Please contact your tax advisor to determine how current tax laws may affect your specific situation.

Employer-sponsored plans

Many employers' retirement benefits include employer contribution to employees' retirement plans. One is encouraged to contribute as much as practical to these employer-sponsored retirement plans. If your employer offers to match contributions, we recommend putting in at least enough to get the entire match. Generally, one may get a tax break on contributions. Many employers, however, do not offer Shari’ah-compatible mutual funds. You may contact your employer's human resources or benefits department and request that Shari’ah-compatible mutual funds be added to their retirement offerings.


The Fund does not offer tax advice. Please contact your tax advisor to determine how current tax laws may affect your specific situation.

It Pays to Start Early
Power of Compounding
Time is on the side of those who plan ahead. Everyday that you delay means a missed opportunity for your money to grow. Consider this hypothetical situation, of twins. Fatima invests at age 25, contributing $3,000 each year for 15 years and then ceases adding money to the account. Mustafa begins investing at age 35, contributing $3,000 each year for 30 years. We assume each earn a hypothetical return of 8% per year after expenses. The return shown is not indicative of any particular investment. The resulting account values in the link below may just astound you. By age 65, Fatima has accumulated $200,000 more than Mustafa, although Mustafa invested twice that of Fatima. It Pays to Start Early.

Please note that this is a hypothetical example. Actual results will vary. Mutual fund investing involves risks; loss of principal is possible.

Retirement Resource Sites

Clicking on the links below will take you to a third party site. The Iman Fund is not responsible for the content, nor does it sponsor any information provided on a third party site.

Roth IRA -


Mutual Fund investing involves risk; principal loss is possible. The Fund invests in foreign securities which involve greater volatility and political, economic, and currency risks and differences in accounting methods. It is possible that the Islamic Shari'ah restrictions placed on investments and reflected in the main investment strategies may result in the Fund not performing as well as mutual funds not subject to such restrictions.

Available at:

Mutual fund investing involves risk; principal loss is possible.

 the Iman Fund is distributed by Quasar Distributors, LLC. Allied Asset Advisors is the registered investment advisor of the Fund.
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