How we invest

Our investment philosophy is grounded and bound by Islamic investment philosophies that aims to meet the financial needs of investors.

Islamic investment is based on economic principles that differ substantially from conventional wealth management. 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 domestic and international research teams as well as the advisory services of our Shariah Supervisory Board, Dar Al Sharia.

Our investment principles

With conventional investments you may likely be investing in:

With Crescent Wealth, your money is always invested in the right place. Areas where we invest instead:

The four core principles of Islamic investing

Avoiding the payment and receipt of interest

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.

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 positive social values and good governance.

Avoiding uncertainty

The existence of uncertainty 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.

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.

Invest in one or diversify and invest in more.

Australian EquitiesInternational EquitiesProperty FundCash Fund
Inception Date10 July 201122 February 201320 February 201324 May 2012
DistributionsPaid bi-annuallyPaid bi-annuallyPaid bi-annuallyPaid bi-annually
Recommended investment Timeframe3-5 years5 years5 years1 year
Liquidity3-5 days redemption period3-5 days redemption period3-5 days redemption period3-5 days redemption period
Base Management Fee1.7938% p.a.1.7938% p.a.1.50% p.a.0.55% p.a.
Performance Fee10% of the amount (if any) (before fees) exceeds its benchmark*10% of the amount (if any) (before fees) exceeds its benchmark*n/an/a
Minimum Initial Investment$100,000$100,000$100,000$100,000
Minimum Additional InvestmentAdditional $5,000Additional $5,000Additional $5,000Additional $5,000
Minimum WithdrawalMinimum withdrawal: $1000. Must be all if Balance is less than $100,000Minimum withdrawal: $1000. Must be all if Balance is less than $100,000Minimum withdrawal: $1000. Must be all if Balance is less than $100,000Minimum withdrawal: $1000. Must be all if Balance is less than $100,000
AuditorErnst & YoungErnst & YoungErnst & YoungErnst & Young
Registration IDARSN: 147 384 263 ABN: 54 112 297 894ARSN: 154 620 943 ABN: 69 858 738 424ARSN: 148 080 942 ABN: 59 480 426 296ARSN: 155 403 142 ABN: 13 994 296 635
International Securities Identification Number (ISIN)AU60CFL00025AU60CFL00082AU60CFL00025AU60CFL00033

No establishment fees, No withdrawal fees, No upfront contribution fees, No termination fees