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Hejaz Financial Services
13Aug

8 Pearls of Financial Wisdom

August 13, 2020 hejazfs Lifestyle 147

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 149

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 135

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, Media 129

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 112

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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06Feb

Muslim millennials growing wealthy and demanding impact investing

February 6, 2019 hejazfs Investments, Lifestyle 114
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15Aug

Awaiting innovation in the Islamic retail asset management space

August 15, 2018 hejazfs Investments, Lifestyle 104
Read more
18Jun

Australia Islamic finance blooms under the radar

June 18, 2018 hejazfs Investments, Lifestyle 116

While Islamic finance centres in Southeast Asia and the Middle East keep dominating core developments in the sector, and news are currently almost exclusively focused on upcoming Shariah-compliant financial markets in Northern and Sub-Saharan Africa, Central Asia and Europe, activities elsewhere are quite out of the limelight, but unjustifiably so.

An upcoming Islamic finance forum, the IFN Australia Forum 2018, to be held on March 27 in Sydney, serves as a reminder that Shariah-compliant finance is a quite active segment of the financial industry in Down Under, and also a sustainably growing one. Even though the country of 25mn people – of which 2.6% or around 650,000 identify themselves as Muslims as per the latest census in 2016 – does not have dedicated Islamic finance laws and regulations, the Shariah-compliant finance scene is blooming in line with Australia’s strong economic fundamentals.

The country in fact has a substantial number of Islamic finance service providers which offer a broad scope of Shariah-compliant finance products ranging from house financing, Islamic pensions, wealth management to halal superannuation funds and takaful. Major industry players include Hejaz Financial Services in Thomastown, Victoria, one of the largest Islamic finance institutions in Australia; Melbourne-based MCCA Islamic Finance & Investments (formerly Muslim Community Cooperative of Australia); Islamic Co-Operative Finance Australia in Parramatta, Islamic home financing provider Iskan Finance and Islamic investment firm Crescent Wealth, both based in Sydney; Amanah Islamic Finance Australia based in Coburg, Victoria, as well as Islamic finance divisions of National Australia Bank and Westpac Banking Corp, which are mainly designing Muslim-friendly mortgage products to cater to the burgeoning real estate market where one of the most popular Shariah-compliant products is diminishing musharaka for home financing.

In addition, there are institutions such as the Australian Center for Islamic Finance in Melbourne, which offers Islamic finance skills training, the Islamic Financial Services Council of Australia, an industry body providing analysis, advice and advocacy for the Australian Islamic financial services industry, also based in Melbourne, and the National Center of Excellence for Islamic Studies funded by the Australian government and operating in a collaboration between the University of Melbourne, Griffith University and Western Sydney University.

The growth of Islamic finance in Australia is, first of all, owing to a growing number of Muslim immigrants over the past decade or two. Among the Muslim communities Down Under, the largest are originating from Bosnia, Bangladesh, Egypt, Iraq, Lebanon, Turkey and Somalia. There is also a Kurdish Muslim community, and more than 1,000 people identify themselves as Aboriginal Muslims, being descendants of Afghan cameleers who arrived in Melbourne in 1860, or have Indonesian ancestry.

Most of the growth in the number of Muslim Australians occurred in the recent past, with a 15%-growth between the 2011 and 2016 census alone and a 40% growth from 2006.

“The Australian Muslim community has experienced rapid growth since the 1990s, both in number and wealth,” explains Hakan Ozyon, CEO of Hejaz Financial Services and Chairman of the Islamic Financial Services Council of Australia.

“I decided to establish Hejaz back in 2014 to provide complete Islamic financial services solutions under one roof. Meanwhile, Hejaz is competitive with existing banks and is set to reach $1bn in assets by 2021,” he adds.

Apart from demand from domestic Muslims, as of late there is also strong interest from Shariah-compliant investors from Southeast Asia and the Middle East, particularly in Australia’s booming real estate sector.

For example, Malaysia’s Lembaga Tabung Haji, a fund that facilitates savings for the pilgrimage to Makkah through investments in Shariah-compliant vehicles, is one of the biggest Islamic investors into Australia. Institutional investors from the UAE and Saudi Arabia are also on the outlook for Islamic property investment in the country’s real estate hot spots Sydney, Melbourne, Brisbane, Adelaide, Perth, Darwin and Cairns.

The growing inflow of Shariah-compliant funds has propelled Australia among the non-Muslims jurisdictions with the largest amount of Islamic assets under management besides the UK and Luxembourg. Analysts forecast the Australian Islamic investment fund industry to grow up to $22bn in assets by 2020.

The sustained growth of Islamic finance in Australia is even more interesting to observe because the government did do much to support the industry. In September 2008, Canberra commissioned a report into how to position Australia as a financial services hub in the Asia-Pacific region, and the analysts came up with a number of recommendations, including the development of Islamic finance. However, the government, although encouraging Muslim communities to set up their own financial services ecosystem, has been overall slow in responding to the booming Shariah-compliant finance scene and is also hampered by weak institutional support from most large conventional banks and by the fact that most financial regulation and legal issues are handled autonomously by Australia’s federal states. While this will not necessarily curb further growth of the industry for the Muslim clientele, it remains a challenge for the expansion of Islamic finance into the non-Muslim financial market in Australia, which, like elsewhere, requires clear investment rules and regulations for legal reasons.

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03Jun

Demand for Islamic pensions set to grow but can fund managers overcome the challenges?

June 3, 2018 hejazfs Investments, Lifestyle, Superannuation 103

Statistics show that the global population is aging rapidly with exponential increases expected in the coming decades. Figures from the UN show that, compared with 2017, the number of persons aged 60 or above is expected to more than double by 2050 and to more than triple by 2100, rising from 962 million globally in 2017 to 2.1 billion in 2050 and 3.1 billion in 2100. In Europe, 25% of the population are already aged 60 or over. That proportion is projected to reach 35% in 2050 and to remain around that level in the second half of the century.

This segment of the market now accounts for an ever-increasing proportion of investment assets, as global institutional pension fund assets in 22 major markets grew to US$36.4 trillion at the end of 2016, representing an increase of 4.3% in the 12-month period, according to the Global Pension Assets Study 2017 conducted by Willis Towers Watson.

The global Muslim population is no exception to this as their demand for Shariah compliant, consistently performing and secure pension funds increases. There is no denying the fact that since the early 2000s, Islamic finance institutions have become a force to be reckoned with, as their capital grew from US$200 billion in 2000 to close to US$3 trillion in 2016. This figure is expected to go up to US$4 trillion in the 2020s. There are now more than 300 banks and 250 mutual funds around the world complying with Islamic principles.

Despite the impressive growth of capital in Islamic finance institutions, uptake for Islamic pension products has been restricted due to several factors which include the following:

1. Limited financial literacy: The average level of financial literacy among Muslims seeking Shariah compliant products is lower than those consumers seeking conventional financial services. This holds true for those seeking Islamic pension products as well as other Islamic financial products and services. This deficiency exists due to limited exposure to the teachings and principles of Islamic finance throughout most schooling and tertiary education systems.

2. Higher costs: Investors in Islamic pension funds often find that the fees charged by compliant funds are higher than their conventional counterparts. Generally, Islamic pension fund managers encounter greater costs as they need to appoint and remunerate Shariah boards, the necessity of asset-screening and a lack of scale in funds, while valuation is clouded by a lack of liquidity in some instruments. However, the impact of such costs should start to reduce as the average fund size increases and economies of scale are found across the industry.

3. Limited access to quality financial advice: The concept of seeking sound financial advice regarding one’s finances is somewhat foreign to many Muslim pension investors, hence, they often opt for a conventional product as a result of not seeking advice. Furthermore, many Muslim investors may not have access to the tailored advice capabilities they need to make informed decisions in choosing their pension funds.

One of the greatest challenges faced by Islamic pension funds and their managers is their ability to structure portfolios that perform consistently while managing risk exposure within these portfolios and successfully selecting investment assets with the limited universe. Investors in pension funds are often more mature in age and are therefore classified as conservative or defensive investors. Many fund managers overlook this crucial point and overexpose investors to growth assets such as compliant equities and property which are better established in the conventional finance industry. Generally, fixed income assets suffer from a lack of liquidity and inadequate valuation modeling.

Islamic pension fund managers rely heavily on fixed income investments and Sukuk bonds to manage the risk profiles of their respective funds. Unfortunately, fixed income is relatively immature in the Shariah context, chiefly because there are so few Sukuk bond issues. A report by PwC on Islamic asset management found that money market funds are in greater use than fixed income funds, within the Islamic pension space. There is also a lack of clarity about the duration of instruments in some Shariah compliant fixed income funds. Funds often invest in a wide range of maturities, with no clear information for investors on the overall
aims of the fund.

There is no doubt that the demand for Islamic pensions globally will continue to grow. Stimulated by an aging population and the ever-growing profile and awareness of Islamic finance, the coming decades will experience exponential growth in the Islamic pension segment. Islamic finance institutions must continue to innovate and create products and services that mirror the conventional alternatives while delivering positive outcomes to members in a manner conforming to their ethics and values.

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