Why Halal?

Why Riba-Free?

After shirk, Riba is the greatest sin!

Those who eat Riba (usury) will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaitan (Satan) leading him to insanity. That is because they say: “Trading is only like Riba (usury),” whereas Allah has permitted trading and forbidden Riba (usury). So whosoever receives an admonition from his Lord and stops eating Riba (usury) shall not be punished for the past; his case is for Allah (to judge); but whoever returns to Riba (usury), such are the dwellers of the Fire – they will abide therein.
(Quran, Al-Baqarah, Chapter 2, Verse 275)

O you who believe! Be afraid of Allah and give up what remains (due to you) from Riba (usury) (from now onward), if you are (really) believers. (Quran, Al-Baqarah, Chapter 2, Verse 278)

That which you give as interest to increase the people’s wealth increases not with God; but that which you give in charity, seeking the goodwill of God, multiplies manifold.” (Quran, Ar-Rome, Chapter 30, Verse 39)

O you who believe! Eat not Riba (usury) doubled and multiplied, but fear Allah that you may be successful. (Quran, Al-Imran, Chapter 3, Verse 130)

What makes an investment halal?

A halal investment is an investment that does not include the three elements that make it haram, Interest, Chance and Uncertainty. The Arabic names for them are Riba, Qimar or Maysir, and Gharar, respectively.

Halal

There are Shariah-compliant equities in developed markets for technology, healthcare, real estate, infrastructure etc.
You can include commodities like Gold to provide diversification against equity risk.
It’s permissible to have non-interest-bearing cash to manage the portfolio risk level.

Haram

There’s no interest-based fixed income like bonds, GICs etc.
There are no interest-based instruments.
There’s no investment in companies that profit from gambling, arms, tobacco, or other restricted industries.
No business can derive significant income from interest on loans.

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Although the conditions might be a lot to take in, we assure you that there’s a more substantial foreseeable chance of growth and return through halal investing since transparency is the main agenda behind making halal investments.

If you want to learn more, we can assist you by having a one on one meeting with you. We even made booking really easy!