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Hejaz Financial Services
10Dec

Estate Planning

December 10, 2020 hejazfs Lifestyle 76

Estate Planning

Estate planning is a way of ensuring that the assets you own and wealth you have built is passed onto your beneficiaries in the most financially efficient and tax effective way possible. This is essential to protect your assets and your family.

Don’t put your family at risk, protect your loved ones.

 

What Is an Estate?

An estate is everything comprising the net worth of an individual, including all land and real estate, possessions, financial securities, cash, and other assets that the individual owns or has a controlling interest in.

 

What assets fall outside the estate?

Not all assets form part of the estate. Any property owned as joint tenants will automatically pass to the survivor. This may include real property, joint bank accounts and joint shares.

Superannuation may also fall outside the estate. If the deceased has made a valid binding nomination, then the superannuation fund will pay the superannuation to the person nominated and bypass the estate.

Similarly to superannuation, if the deceased had nominated a beneficiary of any life insurance policy, then any payment would be made directly to the nominated beneficiary and not form part of the estate.

Planning your financial future doesn’t end with super.

 

A good estate plan can:

• ensure the ownership and control of your assets passes to your intended beneficiaries and in the right proportions
• minimise the tax impact on your estate and beneficiaries
• ensure your estate is administered in a cost-efficient and timely manner
• protect assets if a beneficiary is involved in any legal difficulties (e.g. bankruptcy or divorce) or under a legal disability.

Once you’ve created an estate plan, you should continue to review it on a regular basis, particularly when an important life event occurs:

• getting divorced
• the birth of a child
• the death of a relative you’ve provided for
• starting work
• changing jobs
• retiring

Want to talk estate planning? Contact us here.

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10Sep

Three steps to your kids’ financial success

September 10, 2020 hejazfs Lifestyle 80

We all want to give our children a head start in life. This article shows you three steps that will help you instil sound financial habits in your children by setting the foundations of good money management now and lead them towards financial success. All parents want their children to be better-off than they were – more secure and financially independent, but the big question remains: where do you start?  

This article shows three steps to your kids financial success, ushering them towards financial security.

 

Step 1: Create good habits 

Start early; learning to save is one of life’s great lessons. In an increasingly cash-less society, it can be difficult for children to understand the value of money and how to save.  

Help them by: 

  • Providing a glass jar through which they can see their savings mounting up for very young children. 
  • Teaching the difference between needs and wants. Lead by example with your own savings habits.  
  • Involving them in the household budget; compare prices at the supermarket and demonstrate bill-paying. 
  • Paying pocket money for age-appropriate chores and helping them to create a mini-budget, apportioning money to: 
  • spending on anything they want. 
  • donating to charity to instil a sense of community and empathy, 
  • saving for a goal; helpful in teaching kids restraint and how to avoid impulse buys. 

Step 2: Inform 

Nothing is free; water in the tap, electricity and even the internet don’t just happen by magic. One of the best ways to teach kids about responsible money handling is to explain debt and the consequences for not meeting financial obligations, which segues neatly into a discussion about personal credit scores.  

People with better credit scores find seeking finance approval easier and often qualifies them for more advantageous lending deals. 

Helping kids understand the concept of a credit score can be a little daunting, so try these tips: 

  • Brush up on your knowledge first. 
  • Don’t focus on numbers, explain that it’s about financial behaviour over time. 
  • Avoid complexity and keep the information age-relevant. 
  • Use examples. Discuss mistakes you’ve made in the past and explain how you rectified them. Explaining to them the rationale behind some of your financial decisions will help instil good values in your child. 

Step 3: Educate  

By the age of 3, children can understand the concept of money. By age 4 your child should be able to understand the connection between money and things. You can help them by making shopping lists and bringing them to the store, this will help them make the connection between money and things at home. By age 6 you can teach them the connection between work and money, you can help them by paying pocket money for age-appropriate chores. 

With early financial education, children will be more comfortable talking and learning about finance. Searching online will reveal a range of websites, blogs and apps dedicated to engaging and educating kids about money and investments. These online resources can help in the process of educating your kids about the different types of accounts or investments available in the market to help grow their finances.  

Introduce your kids to good habits while they’re young, and you’ll be setting them up for success. 

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03Sep

Five financial tips from an older generation

September 3, 2020 hejazfs Lifestyle 74

This article provides five financial tips that all generational groups can benefit from. When it comes to money, some things stay relevant regardless of your generation. So here are five tips for getting, and keeping, control of your finances – for life! 

1. Living within your means seems obvious, but surprisingly, many people don’t. It’s why credit like store/bank cards and shop-now-pay-later facilities are so popular. Unmanageable debt has the power to keep you awake at night – and not in a good way. But you really can survive without the latest device or car.  

In short, don’t be a slave to possessions; why lock yourself into debt more durable than the item? 

2. Save. The world is full of opportunities: travel and socialising, etc., but don’t underestimate the security of a stash of cash. With a small, regular commitment, you can have a life and save too. 

Consider this example: 

Capture

An initial $500, plus $50 per week over five years, could accumulate almost $15,000! (Assuming no withdrawals and 2.5% profit over the period).  

Additionally, developing a savings habit will help create a good credit score for, say, a future home loan. 

3. Buy quality items like clothing or furniture. Pieces in good condition will generally last longer, and with care, can become classics you won’t need to replace. 

4. Learn to cook. Nothing beats a home-cooked meal for cost-savings. Find a recipe, make a list, shop and cook. Not sure what you’re doing? YouTube is your best friend. For $30, you could cook yourself and a friend a similar meal costing around $80 in a restaurant. (There’s the week’s $50 for your savings account!) 

5. Make a budget and stick to it. Record income, then expenses beginning with non-negotiable ones like rent, home payments, insurance, transport, groceries, etc.  

If you can’t account for some of your money, a budget will help you identify areas of overspending so you can reallocate funds to savings and discretionary expenses. 

The government’s MoneySmart website provides a budget planner to get you started, or create your own using a spreadsheet. 

 

There is our five financial tips, every generation believes there’s nothing to learn from the other, but the truth is we’re all learning, all the time.  

Visit https://www.hejazfs.com.au/ to see how our investment products can help you grow your finances and have your money work for you! 

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20Aug

Preparing for retirement in uncertain times

August 20, 2020 hejazfs Investments, Lifestyle 70

We know that preparing for retirement can be difficult especially during uncertain times. This article will suggest ways you can preserve your wealth so that your retirement plan is on track. As most long-term investors know, investment markets have their ups and downs. The downs are usually associated with periods of uncertainty, perhaps due to political or economic factors, or even natural disasters. Uncertainty leads to volatility – more extreme movements in asset prices – which can have a big impact on portfolio values. This can be of particular concern if you are close to retirement and preparing for your last payday. So, what can you do about it?  

 

If you are building wealth in preparation for retirement in wobbly times, there are some options: 

  1. Save more. The 9.5% Super Guarantee will not be enough. Savings of at least 15% of salary over your working life are required to produce a sufficiently large retirement investment.  
  2. Spend less now and in retirement. Review your budget and review your plans about how you will live in retirement. 
  3. Work longer. Put off retirement until later; maybe consider working part-time in the first few years of “retirement”. 
  4. Seek higher investment returns. 
  5. Implement a gearing strategy to accelerate returns. 

 

This last solution will involve taking on more risk. Investors have always accepted that the higher the return, the higher the risk. It is often easier to see the good investment opportunities after the event, but the challenge is to identify where consistent higher returns can be found.  

 

Don’t abandon shares 

Over the long term, shares have produced higher returns with greater volatility. The returns shares provide is called the “equity risk premium” – the reward for taking on the extra risk. When investment volatility is high, shares tend to be the hardest hit. But while it is tempting to sell shares in a falling market, this robs investors of the opportunity to ride the upswing when markets recover. 

 

Allocate more to riskier assets 

Fund managers have traditionally held a significant proportion of investments in blue chip company shares. Whilst they tend to pay consistent dividends, there may be other opportunities for faster growth. These include smaller companies (or small caps), unlisted shares (private companies) and overseas shares in less developed countries (emerging markets). 

Apart from shares, higher yielding debt instruments offer the potential for even higher returns but at higher risk. 

The key to investing in these areas is good research – identifying sound opportunities and eliminating those with unacceptable levels of risk. Of course, the supply of “good quality, relatively safe” investment opportunities may appear to be limited when things are uncertain. Some fund managers offer products specialising in a wide variety of assets.  

 

Active asset management 

Good investment management requires talented people and sophisticated systems and strategies. Organisations with these attributes have a better chance of identifying under- and over-priced securities and markets. By moving money between countries, currencies, sectors, and asset classes, these managers aim to produce higher returns. Funds managed according to an “absolute return” philosophy is an example of where managers aim to produce above average returns in rising and falling markets. 

 

Implement a gearing strategy 

Borrowing (or gearing) gives you a larger sum of money to invest. This magnifies any growth you achieve on your investments especially over the long term. Careful thought should be given regarding the method of gearing as some strategies may be more suitable to your particular circumstances than others. You should always bear in mind that gearing may not only increase your gains, it can also magnify any losses.  

 

Preparing for retirement in uncertain times can be difficult. Before you make any rash decisions, talk to your financial adviser first to develop a plan specifically to suit your needs.

 

Learn more about our range of Islamic financial products here.

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13Aug

8 Pearls of Financial Wisdom

August 13, 2020 hejazfs Lifestyle 66

These 8 pearls of financial wisdom will help you achieve your financial goals by shifting your focus to the long term instead of being fixated on the present.

 

What do you want and how will you get it? 

What are your retirement goals and objectives? Where are you now in relation to those goals? Create a plan that sees you enjoying the fruits of your labours and act now to make sure your financial goals are achieved. When creating or modifying your financial plan make sure to be realistic and set achievable timeframes.

 

It’s not just about returns 

Every investment has some degree of risk. Understand the differences between the various investment assets available and make your decision wisely. Everyone has a different comfort level and risk appetite, generally the more risk you take you will be awarded with a higher return. As you grow older, you might prefer stable returns as opposed to higher returns. So make sure to discuss with your adviser about your financial goals, circumstances and risk appetite to make the most suitable investments tailored to your financial circumstance. 

 

Share it around  

To help reduce risk, share your investments across several asset classes – and within those asset classes. The right balance can depend on your financial objectives, the time you have available to invest and your risk tolerance. Diversifying across a range of asset sectors and industries reduces market risk and can improve your investment potential. You don’t have to worry about trying to time the markets for the right time to invest. With a diversified portfolio, you are always in the market.  

 

Don’t forget Super 

Superannuation will be your bank account when you’re no longer working so consider ways to boost your super fund balance. At least 9.5% of your income is being contributed to your Superannuation, so make it count. How you invest your super will make a big difference to your retirement. Remember, you can choose what your Super is funding so choose a fund that aligns with your values. And if you are making additional personal contributions, be aware of the annual limits as penalties will apply if you exceed those limits.  

 

… Or Tax 

Tax is the trickiest area of all. Always seek professional advice. A restructure of an underlying asset, an investment vehicle or ownership structure could help you minimise tax and maximise your return. Determine your tax bracket and be aware of your claimable expenses and deductions. And make sure to lodge your tax returns on time to avoid any penalties.  

 

Retirement can last another lifetime 

Thanks to medical technology and improved lifestyles we are living much longer lives. Being prepared for a longer retirement means that you money must last much longer, so do not be too conservative with your investments. You can also make additional contributions to your Super, be sure to invest in a Super fund that aligns with your values and brings you positive returns.  

 

Stay Cool 

You are in this for the long term so when market fluctuate and investments unexpectedly fall in value, don’t panic and sell. Over the last 100 years global share markets have experienced many major setbacks, including the Great Depression of the 1930s, several wars, the ‘crash of 1987’ and the Global Financial Crisis 20 years later. But for every low, a recovery has followed – they just take time. Make sure to discuss with your adviser prior to making any decisions, review your portfolio and stay focused on your long-term goals.  

 

Keep Learning 

You are never too old to learn. Financial advisers have an important role in giving you tailored advice, but you still need to make your own informed decisions. Make sure you understand your plan and if not ask questions or do more research to expand on your financial wisdom.

 

Learn more about our premier Islamic financial services here, to see how we can build your wealth together.

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06Aug

Putting your Super where your heart is – Halal Super

August 6, 2020 hejazfs Lifestyle, Superannuation 69

Halal Super is increasing in popularity as millennials are setting a trend when it comes to having more say on what their super funds are investing in. This article explains what Halal investing is and how to take more control over how your Super is invested. Millennials – take a bow. Not only are you concerned about how your Super is invested, you are more likely than other age group to act on your beliefs when choosing a Super fund.  

Research commissioned by the Responsible Investment Association Australasia (RIAA) reveals that 75% of Millennials prefer to invest in a responsible Super fund than one that only considers maximising financial returns. Well ahead of Gen X on 66% and Baby Boomers on 68%.  

That’s a pretty strong trend which sends a clear message not only to superannuation and investment fund managers, but also to the wider corporate community – people care about more than just profits. They also want their investments to contribute to the greater good. 

What makes your Super Halal? 

It is important to identify a Halal Super fund to ensure that your Super and investments does not fund industries against your values. An investment is Halal when it invests in companies and industries that are operating in line with the Islamic principles of investing. There are many conventional investment products that are not Shariah Compliant, the most common ones are investments in alcohol, military, media and pig products. Additionally, the receiving of interest is strictly forbidden in Islam. If a positive, fixed, predetermined rate is attached to the maturity (i.e. a guaranteed rate regardless of the performance of the investment), it will be considered riba and therefore prohibited.  

Unfortunately, most Superannuation funds invest on average 34% of your super in interest-bearing investments, while the remaining investments are conducted without any regard for Islamic investment principles. And over 1/3 of your Super may fund industries against your values. Given the wide range of considerations, you may need to do some in-depth research to find the fund or funds that best match your values. 

Is your fund Shariah Compliant? 

While you may have an ‘out of sight, out of mind’ attitude to your Super, it’s important to remember it’s your money and you get to choose where and how it’s invested. Start with your fund’s website or disclosure documents and look for their Shariah Compliance section. A Super fund that is certified to be Shariah Compliant is one that have been through reviews, audits and have been inspected by an independent panel of experts in Islamic ethics and law. The formal certificate of compliance ensures that a fund applies Shariah Compliant filters across their entire range of investments and transactions.  

Advice moves with the times 

Fortunately, it is becoming easier to track down the investment funds that suit you and your values. At Hejaz Financial Services, ensure that the highest standards of Sharia compliance are upheld by employing a 3-tier Sharia governance process to ensure the Sharia compliance of our services. Visit www.hejazfs.com.au to learn more about our Superannuation product or call 1300 043 529 to talk to us about the issues that are important to you so we can help you invest your Super where your heart is. 

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16Jul

5 tips to survive a decline in income

July 16, 2020 hejazfs Lifestyle 66

This article presents 5 tips to survive a decline in income.

Since precautionary measures were heightened to slow the spread of COVID-19, almost 1 million Australians have lost their jobs. According to the Australian Bureau of Statistics, Australia lost 7.5 per cent of its jobs between 14 March and 18 April. If you’re one of the many Australians who has lost their job, it’s understandable that you may be feeling stressed about managing your finances. These tips will help you manage your finances if you experienced a decline in income.

 

Put together a new budget 

The first thing you need to do if your income has fallen is put together a new budget. With a reduction in your income, you’ll likely be looking to reduce your fixed and discretionary expenses. Put together a budget that includes your essential expenses such as your home finance or rent payments, bills, and groceries. This is also a good time to assess which expenses you can do without until your income rises again.   

 

Set up payment plans 

Losing your source of income can be stressful, especially when you have ongoing payments to meet. If you’ve put together your new budget and you’re not sure you’ll be able to meet your regular payments, speak to your finance consultant about setting up a payment plan. The important thing is that you do this proactively and keep communication open as having these conversations now will put you in a much better place to negotiate. 

 

See what support you may be entitled to 

The government has announced a range of support packages available to people who have lost their source of income or those who have experienced a significant decline in income. Check which support you may be eligible to receive and organise all of the details you need to apply. Full details about the Federal Government’s measures to support individuals and businesses are available on the Treasury website.  

 

If you’ve lost your income due to illness or injury and you have income protection insurance, check what claims you are eligible to make and what payments may be available to you. 

 

Identify potential savings 

When you put together your new budget, you probably identified expenses you could do without such as gym memberships and other discretionary expenses. To identify further savings, check if you can switch to cheaper providers for your utilities such as electricity, gas and internet and consider winding back your home finance payments if you have been paying extra. 

 

Seek advice from financial professionals 

In stressful times, it can be hard to look beyond the current period of financial stress. However, this is also an opportune time to reset your financial plan for the future. Take this opportunity to speak with your financial professionals, including your home finance consultant or broker, accountant, and a financial adviser to manage your finances now and into the future effectively. 

 

Moving forward 

At a stressful time for people, it’s important that you don’t feel like you need to weather financial challenges alone. Taking the time to see what support may be available through the government’s support packages is a good place to start. And to set up a financial plan for the future that also addresses your current financial challenges, make sure you speak to a qualified financial professional for tailored advice. 

 

We offer a range of premier financial services, learn more about them here.

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29Nov

Islamic fund eyes Coast’s Halal tourism future

November 29, 2019 Ali Ozyon Investments, Lifestyle 44

An Islamic fund manager will invest $30 million on the Gold Coast on tourism assets that reflect Muslim cultural values.

Millions of dollars will be invested by an Islamic fund on the Gold Coast to create resorts and accommodation that cater for Muslim tourists.

AN Islamic financial services company will invest millions in the booming Halal tourism sector in Queensland over the next three years with the focus on the Gold Coast. The Melbourne-based Hejaz Financial Services managed diversified Global Ethical Fund aims to spend an initial $30 million in Queensland.

The fund will focus on either new tourism developments or on capital works on existing accommodation sites that will conform to Islamic values in a family cultural context.

This would mean resorts would have access to prayer rooms, offer activities that are exempt from gambling and drinking and provide a range of Halal-friendly restaurants and dining options.

Overseas there are Muslim focused resorts which also feature calls to prayers, separate men and women’s swimming pools and other segregated activities. Queensland tourism surges ahead of biggest rivals

Hejaz Financial Services chief operating officer Muzzammil Dhedhy said Queensland and especially the Gold Coast was appealing to Muslim holiday makers. “We have no property in Queensland as yet but we intend to invest $30 million into Australian Halal tourism infrastructure over the next three years,” he said.” We would look at the Gold Coast because if its weather and geography and we would be focusing on properties of 30 to 40 rooms give or take.

“Our fund is Australia’s strongest performing Islamic investment fund and is growing 100 per cent year-on-year so there will most definitely be more opportunities for greater investment into Halal tourism infrastructure.”

Latest research found the current commercial value of the global Halal tourism market was about $300 billion buoyed by a growing Muslim middle class mostly from the middle-east and south-east Asian countries.

According to Hejaz Australia currently only has as small stake in the growing market.

“Lets say a couple from Dubai want to go on a honeymoon, Australia probably doesn’t come up on the radar,” Mr
Dhedhy said.

“But Halal tourism is growing and we see an opportunity because it satisfies a requirement through our fund but also it provides an outstanding opportunity to participate in the Australian economy as well.”

Report

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08May

Opportunities in Australia’s Islamic finance industry

May 8, 2019 hejazfs Investments, Lifestyle 34

The industry needs two major requirements before it can enter the major growth phase:

  1. Products and services need to be consumer-driven, rather than product-driven, and
  2. The quality of products needs to be on par with, if not better than, conventional products.

The Muslim community living in Australia are exposed to an array of conventional financial products which not only cater to consumer needs but can also be customized for individual requirements. With the introduction of highly qualified and experienced Muslim entrepreneurs and professionals into the Islamic financial services industry in Australia, we are beginning to see better quality services and products which comply with Shariah standards and are on par with conventional products and services.

Performance is being driven with more market share obtained from conventional products and services providers; however, the evolution is seen in the transition currently being made from product-driven to consumer-driven within our community. I have personally seen this transition in the past two years, where Muslims are now conducting their own research into providers and then making their own informed decisions. This is a pleasant development from the past where they would simply be making decisions on which product was better sold to them. This is a real indication of a market developing and approaching the growth phase. This can begin to not only allow current quality providers to leverage, but also ensure that Muslim consumers do not simply follow blindly into inferior products and services.

The Muslim community is growing the fastest in Australia at approximately 9% year-on-year, with almost 10% of all skilled migrants being of the Islamic faith. This allows organic growth in the client base, ensuring a bullish trajectory for years to come. Islamic financial services providers within Australia need to ensure the key performance driver is not just a generic growth rate, but that Muslims are actively seeking their services and products off the back of good feedback, client research, and superior products.

Regulatory constraints and tax issues

I am a true believer that a genuine entrepreneur never makes excuses, but the only find solutions to challenges. In my opinion, there has been too much talk on regulatory constraints and unfavorable tax laws which hinder the growth of the Islamic financial services industry in Australia, and western countries in general. Yes, it is true, in an ideal world, all regulations will assist in the marketability of Islamic financial products, but until this transpires, we need to stop making excuses, and become problem-solvers and solution providers.

The conventional market has over centuries continuously innovated as a result of constantly changing laws and compliance by regulators and politicians. Financial institutions have always required product development to ensure competitiveness within the industry — this is the norm in all industries globally. We as Islamic financial services providers cannot just make excuses that the laws are unfavorable, and just sit on our laurels with inferior products and services. The Muslim community deserves quality products and services, and if this means that providers who do not wish to find solutions and innovate within the guidelines of Shariah are eliminated from the market, then so be it as this is beneficial for all Muslims.

This will ensure that qualified individuals and organizations remain competitive in the Islamic financial services space. The Islamic community will eventually be the real winner, where they will be invested in highperforming investment funds and take loans that do not disadvantage them because they want to conform to their religious beliefs. There is no mountain that is unclimbable, hence tax laws and regulations should not stop the true believer from obtaining quality Islamic products and services.

Laws and regulations are constantly evolving, therefore sometimes they will change and benefit product developers and sometimes they will make it more difficult. However, one thing should always remain: the end user should always be provided with a better product.

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