Islamic Superannuation

Islamic Super

Why invest Islamically?

Islamic (Halal) Superannuation is where your superannuation funds are managed by an Islamic Portfolio Manager and Invested in a manner conforming to Islamic investment principles.

When you make a financial investment, you are also making an investment in the type of future you want.

The choice is yours. Do you want to invest in a world with more Alcohol, Tobacco and poker machines, or a world with more clean energy, affordable medicine and natural resources? The good news is, you can invest in positive activities and enjoy a good financial return by investing Islamically with Hejaz.

Mr Haseeb Mian


"Hejaz Financial Services changed my view in relation to investing. I have found the staff and in particular, the Chief Executive Officer, Hakan Ozyon, to be highly knowledgeable, talented, dedicated, passionate, honest and approachable which has allowed me to build a rapport with the team"

Mr. Andre Kasmir

Madania Foundation

"Hejaz Financial Services has been very generous and played an integral part of supporting community events by Madania Foundation and other Indonesian organisation over the last two years. At the same time, I enjoyed a strong positive growth for my superannuation since I switched to Hejaz"

Dr. Kashif Izhar

Emergency Medicine Director/Specialist

"I have invested my Superannuation with Hejaz Financial Services since 2014. They were efficient in consolidating and transferring my super and I did not have to get involved in the process at all. It was seamless. I am very reassured by the fact that over 30 scholars have their super invested with Hejaz"

Dr. Syed Imran Chanth Basha

Emergency Medicine Specialist

"I approached Hejaz Financial Services in 2015 for their Islamic Superannuation services about which i had heard some amazing feedback. I found the team at Hejaz to be professional, helpful and prompt. In addition to Super, they were able to assist me with tax advice, and asset structuring which helped me minimise my tax"

There is a BIG difference with Islamic

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.

The below graphs represents a typical difference in investments between conventional and Islamic portfolios.


Conventional Balanced Allocation**

  • Australian Equities
  • Int. Equities
  • Property
  • Alternatives
  • Fixed Interest
  • Cash

**Morningstar Balanced – Managed Fund (31 May 2017)

***APRA Sept quarter 2017.

Hejaz Islamic Balanced Allocation

  • Australian Equities
  • Islamic Bonds & Cash
  • Int. Equities
  • Alternatives
  • A-REITs (Aus. Property)
  • I-REITs (Int. Property)

Excluded investments

We rule out companies engaged in the following activities, and more.


Approved investments

We look for companies who are adhering to our Islamic standards.


What makes Hejaz Islamic super for you?

Features and inclusions for every member

Invest islamic

Invest Islamically

Only Investing in assets that are adhering to Islamic standards.


Easy account transfer

We’ll find your lost super for you, and help you combine your other accounts into Hejaz Islamic Super if you instruct us to.


Online account access

Access your account anytime online. Update details, check contributions and request rollovers all in one easy place.


Join the Islamic movement

Join thousands of other Australian Muslims moving their money out of Non-Islamic super funds.

Super quick signup

Super quick signup

Apply in under 7 minutes with our easy online form. All you need is your TFN and 2 ID’s. It’s that simple.

Expert fund managers

Expert fund manager

Our fund managers, Global Ethical Fund*, are specialist Islamic investment managers with over 50 years combined industry experience.

Excellent customer service

Excellent customer service

Speak to a real Hejaz Financial Services staff member – no outsourced call centres or long wait times.

Sharia compliance

World class sharia compliance

Click here to find out more about our world-class and comprehensive investment filters based on Islamic investment principles.

*Directors of Hejaz Financial Services are also the Directors of Eternal Capital Pty Ltd, the Fund Manager for Global Ethical Fund.

Common questions

Some things you might be wanting to know

How do I get my employer to pay to Hejaz?

When you join we’ll send you an email and via post your new account details to forward to your employer to help them make payments to your account.

How do I check up on my account?

You can view your account online anytime via the member portal. You can also call 1300 043 529 or email [email protected] with any enquiries.

How do I move my current super?

You can request a rollover by applying online (if you’re not yet a member) or by sending in our fact find form. We’ll get in touch with your other fund to transfer your super across, which may automatically close your old account.

Can you find my old super accounts?

Yes. We run a search with the ATO to find your old accounts.

Do I require a SMSF to join?

No, you do not require a Self Managed Superfund to join Hejaz.

Join us today

It’s as easy as 1,2,3


Start with the form below

Let’s start with your name, email and phone number.



Just a few more details

You’ll need to find your tax file number (TFN) so we can match it up with ATO records. We will also ask several questions to understand you better.



Hit submit!

One of our staff members will get in touch to greet you and then sit back while we create your account You’ll then receive your member number. Login to your member portal to view your account online, and check your inbox for an email and a letter by post to pass on to your employer.

Join now

Join over 2,000 Muslim Australians who’ve made their super Islamic in under 7 minutes.

Seriously. It’s that quick. No paper forms. Electronic signatures. No certified copies. Doing the right thing was never so simple.

  • This field is for validation purposes and should be left unchanged.

Fund Description

Your super will be invested in a balanced option.

Investment strategy

We believe that the searching for the best investment opportunities should not be limited by borders. We provide investors with exposure to both domestic and international markets. We believe that investment risks can be reduced through adequate diversification.

  • We have a strong capital preservation element with zero exposure to highly geared and complex structures. We focus on value (i.e. discount to intrinsic value) and quality (i.e. businesses with healthy fundamentals and good earnings outlook) in the investment selection process.

Return objective

We seek to achieve moderate capital and income appreciation over a medium to long term by investing in a diversified portfolio with multi-asset strategies. The Fund aims to achieve CPI plus 3% (before fees) per annum.


Hejaz Financial Services proudly offers competitive and low ongoing fees of 1.59%* p.a. plus a once off upfront fee of $450+gst. All fees are deducted from your Super account. There is a 15% fee rebate applied to all superannuation accounts.

We are committed to providing Islamic Superannuation accessible and affordable without the compromise of performance. You can see our returns here

Other investment fees may apply based on your investment selection.

*This includes Hejaz Financial Services fee of 1% p.a and platform Administration fee of 0.59%. Plus $60 p.a fixed Administration fee.

Competitive Returns

Responsible investment funds have outperformed over the last 5 years^









Average Responsible Investment Fund ^
Multi-Sector Growth Fund Average ^

^ Source: Responsible Investment Association Australiasia, Responsible Investment Benchmark Report 2016 Australia. Per Annum returns for 5 year period to 30 June 2016, Multi-Sector Growth Funds. Past performance is not an indicator of future performance.

Leaders on 2 fronts

With world class sharia compliance and industry excellence, we aim to prosper our clients with expert Islamic financial service by partnering with industry leaders.


Making the switch is easy with Hejaz