★
Flagship Fund·Dubai · Worldwide Investors

BricketX Multi-Asset FundOne fund Five businesses Your tenure

The Multi-Asset Fund is a professionally managed multi-asset investment fund deploying capital dynamically across every BricketX business: commodities trading, e-commerce, gold trading, gold mining and construction contracting. 18–26% annual return. Flexible 1–5 year tenure — you choose at investment. Capital actively rebalances toward the strongest-performing businesses. $50,000 minimum. 70% profit to investors. The BricketX flagship.

Commodities Trading
E-Commerce
Gold Trading
Gold Mining
Contracting
Invest in the Fund →Calculate My Returns
18–26%
Annual ROI Range
1–5 yrs
Tenure You Choose
5
Business Verticals
Active
Capital Management
70%
Profit to Investors
BricketX flagship·actively managed fund
Flexible tenure·pick 1 to 5 years
Dynamic allocation·to top performers
SPV ring-fenced·legal risk isolation
Shariah-compliant·zero Riba
OverviewActive ManagementChoose Tenure5 BusinessesReturnsWhy MAFvs ETFsProtectionFAQ
Fund Overview

What is a multi-asset investment fund?

A multi-asset investment fund pools capital across multiple asset classes simultaneously — instead of concentrating in one sector or security — to spread risk and capture returns from diversified income streams. The BricketX Multi-Asset Fund takes this further: it's the only investment vehicle BricketX operates that deploys dynamically across all 5 business verticals at once and actively rebalances based on operational performance.

Unlike a typical mutual fund or ETF — which holds paper securities — the BricketX Multi-Asset Fund holds direct ownership stakes in five operating businesses: commodities trading (UAE), e-commerce (UAE), gold trading (Kenya–UAE corridor), gold mining (Kenya) and construction contracting (UAE and Pakistan). Returns come from real operational cashflow, not market price movements. The fund targets 18–26% annual return depending on tenure, with longer commitments targeting higher returns as deeper compounding cycles complete.

The Multi-Asset Fund is the only BricketX investment product with two flagship features simultaneously: flexible tenure (you choose 1, 2, 3, 4 or 5 years at investment) and dynamic allocation (capital shifts between the 5 businesses as the investment team identifies opportunities). Every other BricketX package locks both at fixed values.

Capital is held in dedicated SPVs per business vertical with reallocation handled at the fund level. You don't manage anything — the BricketX investment team handles rebalancing decisions, performance monitoring and capital movement across the 5 businesses. Your involvement is choosing tenure, choosing payout frequency, and receiving distributions. The 70/30 split means every figure shown is already your 70% share — and the 30% to BricketX includes active management. There is no separate management fee.

Multi-Asset Fund vs. BricketX Fixed Packages
★ Multi-Asset Fund (this page)
·Flexible 1–5 year tenure (you choose)
·Dynamic allocation — actively managed
·18–26% annual target
·Capital shifts to top-performing businesses
Fixed Packages (Bronze · Silver · Gold · Platinum · Premium)
·Fixed tenure (1, 2, 3, 4 or 5 years)
·Fixed allocation — set percentages
·14–24% annual target (tier-dependent)
·Capital stays in pre-set allocation
Fund Specifications★ Flagship
Annual ROI Range18–26%
Tenure Options1, 2, 3, 4 or 5 Years ✦
Tenure Selected AtInvestment (locked for term)
Allocation TypeDynamic (actively managed) ✦
Minimum Investment$50,000 USD
Underlying BusinessesAll 5: Commodities · E-Commerce Gold Trading · Gold Mining Construction Contracting
Payout FrequencyInvestor's choice
Profit Split70% investor / 30% BricketX
Separate Management FeeNone ✦
SPV Structure✓ Ring-fenced per vertical
Shariah-Compliant✓ Riba-free
Geographic ExposureUAE, Kenya, Pakistan
Available ToGlobal investors
✦ Three flagship features unique to the Multi-Asset Fund. No other BricketX product combines flexible tenure, dynamic allocation and zero separate management fee.
Invest in the Fund →
Professionally Managed

Capital shifts to the strongest businesses

Fixed packages allocate at investment and never change. The Multi-Asset Fund is different. The BricketX investment team continuously monitors operational performance across all 5 businesses and reallocates capital toward those with the strongest momentum — without changing your tenure or your minimum return target.

How dynamic allocation works

Capital pools at the fund level
Your investment enters the BricketX Multi-Asset Fund — not a single business SPV. The fund holds capital ready to deploy across all 5 verticals based on opportunity.
Investment team monitors all 5 businesses
Real-time operational KPIs across commodities throughput, e-commerce ROAS, gold trading margins, mining extraction yields and contracting milestones. Quarterly performance review across every vertical.
Capital shifts to strongest performers
When a vertical is operationally stronger — better margins, faster cycles, more demand — fund capital is reallocated toward it within the SPV framework. Underperformers receive less new deployment until they recover.
You receive blended returns
Your distributions reflect the fund's actual weighted performance — not a hypothetical pre-set allocation. In strong quarters, weighting tilts toward the winning verticals; in normal quarters, balance returns. No manager discretion to skip distributions — payouts run on your chosen frequency.
Choose Your Investment Tenure

One fund Five tenure choices

Tenure is selected at investment and locked for that term — but you have full freedom in choosing which length suits your plan. Longer commitments target higher annual returns because capital compounds across deeper operational cycles.

1
Year
18–21%
$100K becomes$118K–$121K
2
Years
19–22%
$100K becomes$140K–$148K
3
Years
20–24%
$100K becomes$166K–$182K
4
Years
21–25%
$100K becomes$190K–$210K
5
Years
22–26%
$100K becomes$210K–$230K
5 Years
Maximum tenure — peak managed return
Annual Target
22–26%
$100K → $210K–$230K

What you get

✓Five years of active rebalancing across all 5 businesses at the highest annual range
✓Total profit of approximately 110–130% — capital more than doubles at the upper band
✓Annual payouts of ~$22,000–$26,000 per year on $100K
✓All 5 businesses reach full maturity; capital benefits from peak operational cycles
✓Principal returned in full at month 60
Best for
Investors building long-term wealth who want the highest managed return BricketX offers. Family offices and HNWIs comparing to Premium (5-year fixed) — choose Premium for fixed-allocation certainty, the Fund for dynamic management with a potentially higher upper-band return.

5-year payout breakdown ($100K @ 26%)

Quarterly (20 payments)~$6,500 each
Half-yearly (10 payments)~$13,000 each
Annual (5 payments)~$26,000 each + principal
Maturity total$230,000

All figures reflect the 70% investor profit share after the 30% performance share. Returns are targets based on BricketX operational models — not guaranteed. Exit & Liquidity policy →

Fund Composition

Five businesses One actively managed fund

The Multi-Asset Fund holds positions across every BricketX business simultaneously. Allocation between them shifts based on operational performance — but you always have exposure to all five income streams.

★ Fund
All 5
Active
Rebalancing
📦
Commodities
🛒
E-Commerce
🥇
Gold Trading
⛏️
Gold Mining
🏗️
Contracting
📦
Commodities Trading
UAE distribution60-day cyclesHalal goods
14–18%
Active
🛒
E-Commerce Operations
UAE digital retailROAS ~4.5xInventory-backed
15–25%
Active
🥇
Gold Trading
Kenya–UAE corridor$10K/kg margin60-day cycles
20–25%
Active
⛏️
Gold Mining
Shinyanga, Kenya12,000T ore/cycle24kg yield
20–25%
Active
🏗️
Construction Contracting
UAE & Pakistan10–20% capital useMilestone billing
18–25%
Active

Individual business return ranges shown. The Fund consolidates exposure across all five with dynamic weighting — your actual blended return falls within the 18–26% tenure-based range. For deep dives on each business, see Investments →

Return Calculator

Calculate your Multi-Asset Fund returns

Adjust amount and tenure to see projected returns. All figures reflect your 70% profit share with no separate management fee deducted.

Your Investment Amount
$
$50K min$1M
Your Tenure
Longer tenures target higher annual ROI because dynamic allocation compounds across more operational cycles.
$100K Across All Tenures (target band)
1 yr
18–21%
$118K–$121K
2 yr
19–22%
$140K–$148K
3 yr
20–24%
$166K–$182K
4 yr
21–25%
$190K–$210K
5 yr
22–26%
$210K–$230K
Projected Returns at Maturity
Estimated Value at Maturity
$230K
at 26% target · 5-year tenure · $100K investment
≈ 2.30× your starting capital
$210K
Conservative
$230K
Target
Common Investment Scenarios
$50,000 — Entry LevelMinimum Fund investment
$105K–$115K
5-year maturity
$100,000 — StandardMost popular Fund size
$210K–$230K
5-year maturity
$250,000 — HNWI TierLong-term allocation
$525K–$575K
5-year maturity
$500,000 — Family OfficeMajor flagship allocation
$1.05M–$1.15M
5-year maturity

Target returns based on BricketX operational models — not guaranteed. All figures reflect your 70% profit share before tax in your jurisdiction. Past performance does not predict future results.

The Case for the Fund

Why actively managed across all 5 businesses delivers more

The Multi-Asset Fund isn't simply a packaged version of the fixed products. It's a fundamentally different vehicle — built for investors who want exposure that adapts to operational reality.

01
Dynamic allocation beats fixed allocation in shifting markets
When gold trading margins expand, fund capital tilts toward gold. When contracting hits peak billing cycles, capital follows. Fixed packages can't move — your allocation at month 1 is your allocation at month 60. The Fund moves continuously based on which businesses are generating the strongest cashflow that quarter.
02
You set tenure to fit your plan — not the product's
Bronze locks 1 year. Silver locks 2. Gold locks 3. Platinum 4. Premium 5. The Fund lets you choose any of these at investment. Need capital back in 2 years? Set 2. Want maximum compounding? Set 5. The same fund structure adapts to your timeline rather than forcing you to pick the product whose term matches your need.
03
Professional management — zero investor input required
The BricketX investment team monitors operational KPIs across all 5 businesses continuously. Reallocation decisions, performance reviews, vertical rotation — all handled at the fund level. You choose tenure, choose payout frequency, and receive distributions. No portfolio management on your end.
04
Higher upper-band return than any fixed package
Premium tops out at 24% annual. The Multi-Asset Fund at 5-year tenure targets up to 26%. The extra 2 percentage points at the upper band reflects active management's ability to overweight the strongest-performing verticals during favourable cycles — capturing more of the operational ceiling than fixed allocation can.
05
Real-asset returns — not paper market exposure
ETFs and mutual funds hold securities whose price depends on market sentiment. The Multi-Asset Fund holds direct stakes in operating businesses generating real cashflow. A public-market crash in year 3 doesn't interrupt your distributions — the underlying commodities trades, gold extraction, e-commerce orders and contracting milestones continue on their own cycles.
06
Shariah-compliant across the full fund structure
All 5 underlying businesses are structured without interest-based financing. The Fund's allocation decisions never deploy capital into Riba-bearing instruments. Annual Shariah-compliance reviews cover the full fund structure — not just one vertical. The 70/30 profit-sharing model applies across the entire fund.
vs. Traditional Funds

Multi-Asset Fund vs ETFs & mutual funds

Traditional multi-asset funds hold paper securities — stocks, bonds, REITs — whose value moves with market sentiment. The BricketX Multi-Asset Fund holds direct stakes in real businesses generating operational cashflow. The differences are structural, not just performance-based.

Comparison Point
★ BricketX Multi-Asset Fund
Typical Multi-Asset ETF
Annual return range
18–26%
~7–12%
What it holds
Direct stakes in 5 operating businesses
Paper securities (stocks, bonds, REITs)
Return source
Operational cashflow
Market price + dividends
Active management
✓ Across all 5 businesses
— (passive index)
Management fee
None — 30% performance share only
0.1–0.6% expense ratio (annual)
Fee when there's no profit
Zero (no profit → no share)
Charged regardless
Correlation to public markets
Low (real assets)
High (1.0 with index)
Liquidity
Locked for chosen tenure (1–5yr)
Daily
Shariah-compliant by design
✓ All verticals
— Unless specifically labelled

ETF and mutual fund ranges are historical industry benchmarks for diversified products. The Multi-Asset Fund's higher return reflects operational cashflow capture and an illiquidity premium for locked tenure. Lower liquidity is a trade-off — investors who need daily access should choose traditional vehicles; those willing to commit capital for 1–5 years gain access to the operational return level.

Investor Fit

Is the Fund right for you?

The Multi-Asset Fund is the BricketX flagship — built for investors who want professional management, flexible tenure and exposure to all five business verticals at once.

✅
The Fund is a strong fit if you…
✓Want professional management — you'd rather have the BricketX investment team handle rebalancing than choose your own allocation
✓Need flexibility in tenure — you'd rather pick 1, 2, 3, 4 or 5 years yourself than commit to a product's fixed term
✓Want exposure to all 5 BricketX businesses in one investment — commodities, e-commerce, gold trading, mining and contracting
✓Are an HNWI, family office or institutional investor consolidating a portion of your portfolio into a single Shariah-compliant fund
✓Are part of the Pakistani diaspora wanting exposure to UAE, Kenya and Pakistan operations from one allocation
✓Want returns that aren't correlated to public market sentiment — operational cashflow rather than equity prices
✓Are based anywhere globally — UAE, UK, US, Canada, Pakistan, GCC, East Africa — the Fund accepts investors worldwide
⚠️
Consider a fixed package if you…
—Want certainty of allocation — fixed packages (Platinum, Premium) lock capital into pre-set business percentages
—Want exposure to a single sector — choose a fixed package: Bronze, Silver, or Gold each focus on 2 businesses
—Need daily liquidity — the Fund locks capital for chosen tenure; for daily access, use traditional brokerage products
—Are uncomfortable letting the investment team make allocation decisions — fixed packages give you pre-set allocation visibility
—Are investing below $50,000 — the minimum applies to all BricketX products
Capital Protection

How the Fund protects your capital

Active management adds opportunity — and the Fund's protective architecture is built to match. Five SPVs, three countries, real physical backing, and no leverage anywhere in the structure.

🏛️
Per-Vertical SPV Isolation
Even though allocation is dynamic, capital is held in dedicated SPVs per business — not pooled into one entity. A problem in mining doesn't infect your e-commerce SPV. A contracting delay doesn't impact commodities distributions. Five businesses — five independent legal ring-fences within the fund. SPV structure explained →
🌍
Geographic Risk Spread
The Fund's 5 businesses operate across UAE (commodities, e-commerce, gold trading), Kenya (gold mining) and Pakistan (contracting). A regulatory change in one jurisdiction doesn't affect the others. Active rebalancing can additionally weight away from a jurisdiction during periods of operational risk — something fixed packages cannot do.
📦
Multi-Asset Physical Backing
Every business is backed by physical assets: inventory and goods (commodities, e-commerce), gold metal and ore (trading, mining), and land titles plus construction infrastructure (contracting). Even if active allocation tilts toward one vertical, all underlying physical assets retain independent resale value.
🚫
Zero Leverage Across All Verticals
No business uses interest-based borrowed capital. The investment team's reallocation decisions never deploy into Riba-bearing instruments. Losses, in any scenario, are bounded by capital deployed — not amplified by leverage stacked across tenure.
📊
Real-Time Fund Dashboard
Every Fund investor tracks the live allocation across all 5 businesses through the BricketX investor portal — current weighting, recent rebalancing actions, vertical-by-vertical KPIs and accumulated distributions. Full transparency on what the active management is doing with your capital.
🔍
Quarterly Audits + Co-Investment
Quarterly independent audits across the fund and all 5 SPVs. Annual Shariah-compliance reviews confirm Riba-free status across the full structure. BricketX leadership co-invests their own capital in every deal — the 70/30 model means they profit only when you do, and active management decisions affect their stake first.

For the full liquidity and early-exit framework, see Exit & Liquidity. For complete structural detail, see Trust & Governance.

Frequently Asked Questions

Multi-Asset Fund questions answered

What is a multi-asset investment fund?▾
A multi-asset investment fund pools capital across multiple asset classes simultaneously — rather than concentrating in one sector or security — to spread risk and capture returns from diversified income streams. The BricketX Multi-Asset Fund deploys capital dynamically across all 5 BricketX businesses: commodities trading, e-commerce, gold trading, gold mining and construction contracting. Allocation is actively rebalanced by the investment team based on operational performance. Tenure is flexible (1–5 years, chosen at investment). Targets 18–26% annual return. $50,000 minimum. 70% profit to investors.
How much can I earn from the Multi-Asset Fund?▾
Returns depend on the tenure chosen. On $100,000: 1-year tenure targets $118,000–$121,000 (18–21%), 2-year targets $140,000–$148,000 (40–48% total), 3-year targets $166,000–$182,000 (66–82% total), 4-year targets $190,000–$210,000 (90–110% total), 5-year targets $210,000–$230,000 (110–130% total). On $50,000, multiply maturity values by 0.5. On $250,000, multiply by 2.5. All figures reflect your 70% profit share. Longer tenures target higher annual returns because dynamic allocation compounds across deeper maturity cycles.
Why is a multi-asset fund better than a single investment?▾
A multi-asset fund spreads risk across multiple businesses simultaneously — so a slowdown in one sector doesn't materially affect your return. The BricketX Multi-Asset Fund holds positions in all 5 BricketX businesses at once: when commodities margins compress, gold trading compensates; when contracting peaks, mining compounds. A single-business investment is fully exposed to that one sector's cycle. The fund also adds active management — capital shifts to the strongest-performing businesses as conditions change. Single-asset packages can match individual peak returns; only the fund spreads risk and adapts continuously.
What is the best investment fund in 2026?▾
For investors seeking asset-backed returns above public market benchmarks, the BricketX Multi-Asset Fund targets 18–26% annually with flexible 1–5 year tenure. It outperforms typical 2026 benchmarks across the board: ETFs (long-run ~10%), balanced funds (6–9%), REITs (5–9%) and government bonds (4–5%). Capital is backed by real operational assets across 5 businesses in 3 countries (UAE, Kenya, Pakistan) — not paper securities. The fund is professionally managed with dynamic allocation. Investors choose their tenure at investment from 1 to 5 years. $50,000 minimum. 70% profit to investors. The BricketX flagship.
How often does the Multi-Asset Fund pay out?▾
Payout frequency is the investor's choice — selected at investment alongside tenure. Quarterly distributions arrive every 3 months (4 per year, drawn primarily from the commodities trading component). Half-yearly distributions combine gold trading with proportional contributions from other businesses (2 per year). Annual distributions consolidate all 5 business profits into one yearly payment per tenure year (largest per-payment size). Investors who prefer regular cash flow choose quarterly; investors planning around tax events choose annual. The choice is fixed for the full tenure and written into the investment agreement.
Can I change my investment tenure after investing?▾
Tenure is selected at investment and stays fixed for that commitment — you choose 1, 2, 3, 4 or 5 years upfront. Tenure cannot be changed mid-term because capital is deployed into live operations with cycles matched to your chosen duration. At maturity, you can roll over into a new Multi-Asset Fund tenure (any length 1–5 years), reinvest into a fixed package, or withdraw your principal and accumulated returns. Investors who want shorter access can stagger multiple Fund commitments at different tenures — for example, $100K at 2 years and another $100K at 5 years — to build a rolling-maturity ladder.
How is the Multi-Asset Fund different from an ETF?▾
An ETF holds paper securities — shares, bonds or commodity futures — whose value depends on public market sentiment. The BricketX Multi-Asset Fund holds direct ownership stakes in 5 operational businesses generating real cashflow from commodities trading, e-commerce, gold trading, mining and contracting. ETFs typically return 7–12% historically; the Fund targets 18–26% from operational profit, not price appreciation. ETFs have daily liquidity; the Fund locks in for chosen tenure. ETFs charge expense ratios continuously; the Fund's 30% performance share is paid from profits only — no fee if there's no profit.
What is the difference between the Multi-Asset Fund and the Premium Package?▾
Both invest across all 5 BricketX businesses, but the structure differs. The Multi-Asset Fund is professionally managed with dynamic allocation — capital actively shifts between businesses based on performance. Tenure is flexible (1–5 years, your choice) and annual return target is 18–26%. The Premium Package is a fixed-allocation 5-year commitment — capital is allocated at pre-set percentages and stays fixed, targeting 20–24% annually. Choose the Multi-Asset Fund if you want active management and tenure flexibility. Choose Premium if you want fixed-allocation certainty over a 5-year horizon.
Can I invest $50,000 and get quarterly returns?▾
Yes. $50,000 is the minimum Multi-Asset Fund investment, and quarterly is one of three payout frequencies you can select. At 1-year tenure with quarterly payouts (21% annual target), a $50,000 investment generates approximately $2,625 per quarter — 4 distributions across the year totalling ~$10,500 in returns. At 5-year tenure with quarterly payouts (26% annual target), a $50,000 investment generates approximately $3,250 per quarter — 20 distributions across the term totalling ~$65,000 in returns before principal return. The choice of frequency is set at investment and locked for the tenure.
Is the Multi-Asset Fund available outside the UAE?▾
Yes. The Multi-Asset Fund is open to global investors — UAE, UK, US, Canada, Pakistan, Saudi Arabia, GCC, East Africa and beyond. No UAE residency is required. KYC verification, investment agreement and portfolio tracking are fully digital through the BricketX investor portal. The fund is particularly popular with Pakistani diaspora investors (giving access to UAE, Kenya and Pakistan operations from a single allocation) and Gulf-based HNWIs. The underlying businesses operate across UAE, Kenya and Pakistan, but investor participation is unrestricted by geography.
Full Package Range

All BricketX investment products

The Multi-Asset Fund is the BricketX flagship — actively managed, flexible tenure. The five fixed packages below offer pre-set allocations at specific tenures. View all packages →

🥉 Bronze
14–17%
1 year · 2 businesses
🥈 Silver
16–19%
2 years · 2 businesses
🥇 Gold
18–22%
3 years · 2 businesses
💎 Platinum
19–23%
4 years · All 5
👑 Premium
20–24%
5 years · All 5
★ You are on the flagship — Multi-Asset Fund
Active management. Your choice of 1, 2, 3, 4 or 5 years. 18–26% annual.
The only BricketX product with dynamic allocation and flexible tenure combined.
Invest in the Fund →
Accepting Fund Investments Now

One fund All five assets
Your tenure

Commodities. E-commerce. Gold trading. Gold mining. Construction contracting. Dynamically allocated across the businesses generating the strongest returns each quarter. 18–26% annually. Pick your tenure: 1, 2, 3, 4 or 5 years. $50,000 minimum. 70% profit to you. The BricketX flagship.

Invest in the Fund — $50K Minimum →Speak to an Advisor
Actively managed·1–5 year tenure·All 5 SPVs ring-fenced·Shariah-compliant·No separate fee·Global investors