How we invest

This page details our process for carefully investing your superannuation in an ethical manner.

The creation of our Hejaz

Islamic Super portfolio

Step one

Firstly, our ethical investment experts analyse companies in Australian and overseas share markets (as well as gold and property investments) to create a universe of stocks that passes our strict Islamic investment criteria.

Step two

Then, our investment team uses this Islamically screened universe to create the Hejaz Islamic Super portfolio. The investment team selects the Islamic stocks they believe will produce superior financial returns.

Step three

Finally, our portfolio team actively look for investments that will yield positive returns whilst monitoring current investments.

Over 1/3 of your super may fund industries against our values.

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 is 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.

Banks

Pig products

Alcohol

Interest

Media

Weaponry

Tobacco

Gambling

At Hejaz, we fund industries that help make a better tomorrow

Property

Infrastructure

Healthcare

Telecommunications

Technology

Natural resources

Utilities

Manufacturing

All approved investments then go through further screening

Tainted Income

Must be less than 5%

Debt/Market Cap

Must be below 30%

Liquidity

Tangible assets must be above 50%

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