Get Started: How To Invest | Saturna Capital

Saturna Capital offers many different account types with varying contribution limits, policies, and objectives. If you need help or have questions, please call us at 1-800-728-8762.

Step 1 of 5 — Choose An Account

The links below lead to more information about the account type specified to help you make an informed decision about which account type is best for your situation.

Not sure which account type to choose? Our newsletter From The Yardarm: Account Types Matter walks you through some important considerations.

Taxable Accounts:

Individual and Joint Accounts

Learn More

Open an Investment Account Online

Uniform Gift/Transfer to Minor Account

Learn More

Open a UTMA Account Online

Tax-Deferred Accounts:

Health Savings Account (HSA)

Learn More

Open an HSA Online

Education Savings Account (ESA)

Learn More

Open an ESA Online

Individual Retirement Plans:

Employer Plans:


Learn More


Learn More


Learn More

Please note that because of their potentially complex nature, it is not currently possible to open an Employer Plan online.

Step 2 of 5 — Choose Funds

We offer a selection of Saturna no-load mutual funds with a variety of investment objectives. By investing in more than one fund, you can tailor your account to reflect your own risk and return objectives.

Scroll right to see more » »

Amana Funds Email Logo

Amana Developing World Investor Shares: AMDWX
Institutional Shares: AMIDX
Long-term capital growth.
Amana Growth Investor Shares: AMAGX
Institutional Shares: AMIGX
Long-term capital growth.
Amana Income Investor Shares: AMANX
Institutional Shares: AMINX
Current income and preservation of capital.
Amana Participation Investor Shares: AMAPX
Institutional Shares: AMIPX
Current income and preservation of capital.
Sustainable Funds Email Logo
Saturna Sustainable Bond
Saturna Sustainable Bond SEBFX Current income and capital preservation.
Saturna Sustainable Equity
Saturna Sustainable Equity SEEFX Capital appreciation.
Sextant Funds
Sextant Bond Income SBIFX Current income.
Sextant Core SCORX Long-term capital appreciation and capital preservation.
Sextant Global High-Income SGHIX High income, with a secondary objective of capital preservation.
Sextant Growth Investor Shares: SSGFX
Z Shares: SGZFX
Long-term capital growth.
Sextant International Investor Shares: SSIFX
Z Shares: SIFZX
Long-term capital growth.
Sextant Short-Term Bond STBFX Capital preservation and current income.
Idaho Tax-Exempt
Idaho Tax-Exempt
Idaho Tax-Exempt NITEX Idaho Tax-Exempt Fund seeks to provide income free from Federal income, Federal alternative minimum, and Idaho state income taxes, with a secondary objective of capital preservation.

Scroll right to see more » »

Step 3 of 5 — Read the Prospectus

The Prospectus contains important information, including a fund's investment objectives or goals, its strategies for achieving those goals, the principal risks of investing in a fund, a fund’s fees and expenses, and its past performance.



Step 4 of 5 — Apply

Please fill out the appropriate application for the account type you wish to open.



Be sure to include a legible photocopy of your driver's license, passport, or other government-issued identity document.

Step 5 of 5 — Return Forms

Please send all paperwork and contributions to our mailing address:

Saturna Capital
P.O. Box N
Bellingham, WA 98227-0596

A Few Words About Risk

By diversifying its investments, each Fund seeks to reduce the risk of owning only a few securities. Diversification does not assure a profit or protect against a loss in a declining market.

The Funds (except Sextant Growth and Idaho Tax-Exempt Funds) may invest in non-US companies and in foreign markets. Investing in foreign securities involves risks not typically associated directly with investing in US securities. These risks include fluctuations in exchange rates of foreign currencies; less public information with respect to issuers of securities; less governmental supervision of exchanges, issuers, and brokers; and lack of uniform accounting, auditing, and financial reporting standards. There is also a risk of adverse political, social, or diplomatic developments that affect investment in foreign countries.

The Amana Growth and Sextant Growth Funds typically invest in smaller and less seasoned companies than the Income Fund, which may lead to greater variability in the Growth Funds' returns. Growth stocks, which can be priced on future expectations rather than current results, may decline substantially when expectations are not met or general market conditions weaken.

The Sextant Core Fund involves the risks of both equity and debt investing, although it seeks to mitigate these risks by maintaining a widely diversified portfolio that includes domestic stocks, foreign stocks, short and long-term bonds, and money market instruments.

Investment in the Sextant Global High Income Fund entails the risks of both equity and debt securities, although it seeks to mitigate these risks through a widely diversified portfolio that includes foreign and domestic stocks and bonds. Issuers of high-yield securities are generally not as strong financially as those issuing higher quality securities. Investments in high-yield securities can be speculative in nature. High-yield bonds may have low or no ratings, and may be considered "junk bonds."

The risks inherent in the Sextant Short-Term BondSextant Bond IncomeSaturna Sustainable Bond, and Idaho Tax-Exempt Funds depend primarily on the terms and quality of the obligations in their portfolios, as well as on bond market conditions. When interest rates rise, bond prices fall. When interest rates fall, bond prices go up. Bonds with longer maturities (such as those held by the Bond Income Fund) usually are more sensitive to interest rate changes than bonds with shorter maturities (such as those held by the Short-Term Bond Fund). The Funds entail credit risk, which is the possibility that a bond will not be able to pay interest or principal when due. If the credit quality of a bond is perceived to decline, investors will demand a higher yield, which means a lower price on that bond to compensate for the higher level of risk.

In addition to the fixed-income market risks above, the Amana Participation Fund entails risks specific to investing in sukuk. Sukuk structures may be significantly more complicated than conventional bonds and often include a series of entities created specifically to support the sukuk structure. In addition, sukuk are largely created in or otherwise subject to the risks of developing economies, many of which have weak or inconsistent accounting, legal, and financial infrastructure. The structural complexity of sukuk, along with the weak infrastructure of the sukuk market, increases risks of investing in sukuk, including operational, legal, and investment risks.

The Idaho Tax-Exempt Fund's investments are susceptible to factors adversely affecting Idaho, such as political, economic, and financial trends unique to this relatively small state. Investing only in Idaho bonds means that the Fund's investments are more concentrated than other mutual funds, and relatively few bond price changes may lead to underperformance compared to investments selected in greater number and/or from a wider universe.

Islamic principles restrict the Amana Funds' ability to invest in certain stocks and market sectors, such as financial companies and fixed-income securities. This limits opportunities and may affect performance.

The Saturna Sustainable Funds limit the securities they purchase to those consistent with sustainable principles. This limits opportunities and may affect performance.