Our Investment Principles

Our investment philosophy is grounded and bound by Islamic investment principles, which aim to the meet the financial needs of participants with justice, equity and fairness. Islamic investment is a form of investing based on Islamic economic principles and differs substantially from conventional wealth management and investment. When investing on-behalf of our clients, we examine and research each investment to understand how it makes its money from a commercial as well ethical standpoint. Our investment teams are supported by an international research team as well as the advisory services of our Shariah Supervisory Board, Dar Al Shariah.


What respected Sheikhs are saying…

Dr Mohammad Abdalla,
Islamic Lecturer & Founding Director of Griffith Islamic Research Unit

Highly professional, ethical and people driven. Crescent Wealth is leading the way in a highly competitive market”

Sheikh Bilal,
Islamic Lecturer & Celebrant

“Jazaakum Allahu Khayran to Crescent Wealth for the work they are doing to make our community prosperous, stronger and united.”

Sheikh Hassan Elsetohy
Islamic Lecturer & CEO Muslim Aid Australia

“The management, the methodologies, the frameworks – Crescent Wealth is doing the right thing, right.”


The four core principles of Islamic investing are:

1) Avoiding the Payment and Receipt of Interest or Riba

The prohibition of interest arises from the Islamic view that money should be used only as a medium of exchange, a store of value, and a unit of measurement. Money itself possesses no intrinsic value. The charging or receipt of interest – or ‘riba’ – is therefore prohibited. Any return on money invested should be linked to the profits of an enterprise.

2) Avoiding Uncertainty

The existence of uncertainty – or ‘gharar’ – in a contract is prohibited. Everyone participating in a financial transaction must be adequately informed and all fundamental terms such as price or quantity must be clearly determined at the outset.

3) Avoiding Speculation

Investments that rely on chance or speculation, rather than the efforts of the investor, to produce a return are prohibited. Normal commercial risk-taking and related speculation is otherwise permitted.

4) Investing Ethically and Morally

Similar to socially responsible investing, Islamic investment filters out socially detrimental activities, such as gambling, tobacco, adult materials, alcohol and weapons. For the most part, Islamic investing is consistent with conventional value-based investing, which mandates social values and good governance.

Become an Investor Today

Apply Now


Enjoy peace of mind with our 4 levels of World Class Islamic Compliance.

steps_01 All our investments comply with the globally recognised standards for Islamic Investment principles.

aaoifi


steps_02 Our globally recognised Shariah Supervisory Board, consisting of scholars of Islamic finance, monitor each of our funds adherence to the above principles.

amanie


steps_03 Each investment undergoes in-depth analysis for it’s Islamic compliance by the world’s most trusted Islamic investment research firm.

idealratings


Our Filters Protect Your Investments from Unethical Companies

We avoid companies and industries that profit from or invest in the following:

We avoid companies that have the following*

*These ratios are determined and set by AAOIFI, the global standard for Islamic investment principles.

What do we do with tainted income? We give it to charity!

If a company we invest in earns between 0-5% profit from any tainted sources, we donate it to good causes. This is so your wealth returns to you clean of any unethical or non-Islamically compliant income. Crescent Wealth has set up the Crescent Wealth Foundation Fund to manage the cleansing of the tainted income by donating it to Australian registered charities. See more on the Crescent Wealth Foundation here. Should any company earn above 5% of their income from a prohibited source, we do not invest with them. Of note is that Crescent Wealth’s ethical filters have operated stringently and efficiently in selecting Islamic compliant companies that minimal tainted income has accumulated.

I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.