Muslim Money Experts

Dua dana berbeza. Nombor yang sama. EPF mengumumkan 6.15% untuk kedua-dua Simpanan Konvensional dan Simpanan Shariah bagi FY2025 — tahun kedua berturut-turut ia berlaku. Ini bukan kebetulan yang mencurigakan. Ini penjelasan strukturalnya.

Two years in a row, Simpanan Shariah and Simpanan Konvensional landed on the exact same dividend — down to two decimal places. The CEO calls it coincidence. The data backs him up. We break down the full separation since January 2024, why the asset mix naturally converged in 2025's market conditions, and what it means for your retirement savings.

Your EPF is zakatable. Your cryptocurrency is treated like cash. Your RM200,000 housing loan? Only this year's payments count as deductible — not the full balance. We break down the 5 most common Zakat calculation mistakes Malaysian Muslims make and introduce a state-specific calculator that handles haul, nisab, and modern asset classes in under five minutes.

A basic savings account earning 0.25% while inflation runs at 1.6% isn't safe — it's a guaranteed loss. We mapped out every halal option available in 2026, from AEON Bank's 3% Savings Pot to Wahed's 4%+ ESA, and built a three-pool "waterfall" system that turns Sarah's RM30,000 from losing RM330/year into gaining RM675.

A "no pork no lard" sign doesn't make a restaurant halal. So does putting "Islamic" on a bank's name make its financing riba-free? We applied two independent checklists to 6 of Malaysia's most popular Islamic financing products — from Maybank Islamic to Bank Rakyat — and found a consistent pattern: clean labels, but questions about the kitchen.

If you've ever wondered what putting £300 a month into an ISA might look like over 20 years

Antara 2020 dan 2024, simpanan tetap anda hanya kekal di hadapan inflasi sebanyak 0.7%. Sementara itu, harga rumah purata naik ke RM486,678. Panduan ini tunjukkan cara membina portfolio pelaburan patuh Syariah yang sebenarnya mengembangkan kekayaan anda—bukan sekadar menjaganya.

The best-performing halal fund returned +12.45% in 2025. But with sales charges up to 5.5% and management fees of 1.5% annually, the number on the factsheet isn't the number in your pocket. We break down 7 Shariah-compliant unit trusts across 5 categories—and show you what to actually look for before investing.

RM1.5 million in 2061 won't buy what RM1.5 million buys today. If you're 25 now, that impressive figure you're aiming for will have the purchasing power of just RM632,000 by the time you actually need it. The math is simple but sobering, 35 years of inflation will eat away nearly 58% of your retirement fund's buying power.

Modern finance treats money as a commodity you rent out for a price. Islamic economics said the opposite: money has no intrinsic value. You earn profit through trade, ownership, and labor—never from money alone. Here's how that system built one of history's most sophisticated economies, and how Umar ibn Abdul Aziz eliminated poverty in just two and a half years.

Investing is a key pathway to building wealth and securing your future, yet over 51% of Malaysian adults have yet to start investing. If that's you, don't worry. You might just not be ready yet, and that's okay.

If you talk to your parents about investing, they’ll likely get misty-eyed about the 1990s. Back then, Amanah Saham Bumiputera (ASB) was a wealth-building machine. In 1990 and 1994, the fund delivered a staggering 14.0% total return.

Your fixed deposit is losing to inflation. Between 2020-2024, Malaysian savings barely kept pace with rising costs—while house prices climbed to RM486,678. Discover how Malaysian Muslims can build a halal investment portfolio that actually grows wealth, with accessible options from as little as RM10. No jargon, no confusion—just practical steps from saving to investing.

Is it just me, or did RM50 used to last longer? Since the targeted RON95 subsidy changes kicked in last September, we’ve all been holding our breath. If you’re one of the lucky ones still paying RM1.99 per litre, you might think you’re safe. But then you go for lunch. The *Nasi Lemak* that was RM4.00 is now RM5.50. The Grab ride that used to cost RM12 is suddenly RM18.

What is an ISA and how can Muslims use it in a halal way? Learn how ISAs work, what makes them permissible, and why they matter for UK investors.

In 2023, the Securities Commission Malaysia received 3,262 complaints about scams and unlicensed activities—a 321% increase from 2019. By 2024, that number climbed to 3,380 cases, with authorities blocking 128 websites, 113 Telegram accounts, 78 Facebook accounts, and 10 Instagram accounts. And it's getting worse. Fraudsters now use deepfake AI to impersonate prominent personalities and reputable companies.

In 2024, local retail investors sold RM5.83 billion worth of Malaysian equities, compared to just RM0.96 billion in 2023. Meanwhile, local institutional investors accumulated RM9.99 billion. Retail investors were selling while institutions were buying — a classic sign of the behaviour gap at work.

Learn how UK Muslims can transition from cash savings to halal investing using ISAs and Lifetime ISAs — tax-efficient, riba-free, and long term.

You don’t need to be rich to use an ISA. Learn how small, consistent contributions can help build tax-efficient, halal savings over time.

Read our November 2025 market review. Global markets continued to rise, supported by a Fed rate cut and easing US-China trade tensions, despite ongoing political volatility.

Many people think of pensions as something distant, complicated, or simply uninteresting. This feeling is especially common among younger savers

A clear, factual guide for Muslim savers thinking about long-term retirement planning

Master your first paycheck with this 2025 financial guide for young Muslim Americans. Learn to navigate inflation and build wealth using Islamic principles.

Inflation eroding your savings? Learn about our products designed to preserve your money without riba. Our 3-tier Shariah-compliant savings plan offers a practical, halal solution.

If you're new to the concept of portfolios, the term might feel a bit abstract. Perhaps you're more familiar with individual stocks or funds, and suddenly you're faced with choosing between "Very Conservative" and "Very Aggressive" options.

A clear, factual guide to understanding halal pension options in the UK

Malaysia's Securities Commission just drew a line in the sand. Starting now, anyone giving financial advice without proper licensing could face fines up to RM10 million or 10 years in jail.

Gold has outlasted currencies, empires, and countless economic cycles. Whilst paper money has come and gone, and digital currencies have risen in just the past decade, gold has maintained its place across millennia.

Two options for holding wealth require no expertise, no portfolio management, no complex decisions: cash and gold.

Kebenaran yang tidak selesa tentang kebanyakan produk simpanan halal di Malaysia ialah ia adalah pemusnah kekayaan yang menyamar. Tetapi bagaimana jika kami beritahu anda bahawa akhirnya ada pilihan khas untuk anda? Baca hingga habis.

The uncomfortable truth about most halal savings products in Malaysia is that they are wealth destroyers in disguise. But what if we told you there's finally an option just for you? Read till the end.

Ramai rakyat Malaysia menyimpan wang mereka dalam produk simpanan yang memberikan pulangan rendah tanpa menyedari berapa banyak nilai yang mereka hilang dari masa ke masa.

All the things you need to know about Everyday Shariah Account

Some of the smartest people in the world all rely on experts. CEOs hire CFOs. Footballers trust physiotherapists. Even surgeons don’t operate on themselves. This article explores why **trusting financial experts is a sign of intelligence, not dependence — and how disciplined, expert-led investing frees you from the illusion of control without sacrificing your autonomy.

Global markets in July 2025 gained modestly on progress in U.S.-EU trade talks and rate cut prospects. Strong U.S. GDP growth, steady inflation, and cautious central bank policies shaped sentiment, while China and Europe showed mixed economic signals.

Global markets extended gains in August 2025 as easing trade tensions and dovish central banks boosted sentiment. Equities rose, gold surged, and U.S. growth surprised on the upside, while the UK and China faced lingering economic headwinds.

Markets rallied in June 2025 on hopes of global monetary easing and improved trade ties. Equities gained, gold stayed high, and the U.S. dollar weakened. Central banks signaled flexibility as inflation and growth data shaped an optimistic yet cautious outlook.

Global markets rebounded in May 2025 as U.S.-China trade tensions eased. Equities surged, gold stayed elevated, and U.S. data showed signs of recovery. Policy shifts, including a U.S. tax bill and global rate cuts, shaped investor sentiment amid ongoing uncertainty.

This mindset shows up everywhere — our careers, our health, our relationships, and especially our finances. And to understand it, we need to look at the core of a very human conflict: instant gratification vs. delayed gratification.

Real estate is a physical asset that produces utility and income, regardless of daily sentiment. Data shows that the UK property maintained positive returns during all periods when the S&P 500 declined.

Global markets saw sharp swings in April 2025 amid U.S. tariff announcements, with equities dropping before rebounding. Gold hit record highs, the dollar weakened, and mixed global data reflected ongoing trade tensions and economic uncertainty.

Mungkin anda nampak kawan yang sedang hadapi masalah kewangan, atau terbaca kisah menyayat hati online — dan anda pun tertanya, boleh tak saya terus hulur zakat kepada mereka? Lagipun, bukankah beri secara langsung tu lebih ikhlas dan bermakna?

Have you ever thought, “I know zakat is important, but can I just give it directly to someone struggling?” Maybe you see a friend facing financial difficulties or come across a heartbreaking story online, and you wonder if you could simply hand your zakat to them. After all, isn’t giving directly more personal and impactful?

Discover why market volatility is a natural part of investing and learn strategies to navigate short-term declines with a long-term perspective.

Global markets declined in March 2025 amid trade tensions and new U.S. tariffs. While equities fell, gold surged and central banks held rates steady. Mixed economic signals shaped cautious investor sentiment worldwide.

Setiap kali masuk tahun baru — atau setiap hari Isnin pun — kita mesti pasang niat dan tetapkan azam. Sama ada nak turunkan berat badan, simpan duit, mula side hustle, atau habiskan buku yang dah lama tertangguh, semangat memang berkobar-kobar. Tapi kebanyakannya tak kekal lama pun.

Every new year — or even every Monday — we set goals with the best intentions. Whether it’s to lose weight, save money, start a side hustle, or finally finish that book, we’re filled with optimism. But most of us don’t make it past the first few weeks. In fact, research shows that 92% of people fail to achieve their goals, with 23% giving up within the first week alone.

Before You Panic, Take a Moment.

Sebelum Panik, Berhenti Seketika Dahulu.

We’ve analysed decades of UK housing data to see if real estate is an effective hedge against inflation. Historically, in the long-term, housing prices have performed better than inflation in most periods.

Investing often feels intimidating, thanks to long-standing myths that make it seem complex, risky, or out of reach. But the truth?

Melabur sering kali terasa menakutkan, terutamanya kerana mitos lama yang membuatnya kelihatan kompleks, berisiko, atau sukar dicapai. Tetapi hakikatnya?

Global markets face volatility in February 2025 amid trade tensions, tariffs, and economic shifts. The MSCI World Islamic Index drops, while gold reaches record highs. Economic resilience in the U.S. contrasts with challenges in the UK, Eurozone, and China, with central banks adjusting policies to stabilize economies.

Real estate is often seen as a good option for generating passive income because of regular monthly rental payments. Learn more about passive vs. active investing strategies.

As the current tax year draws to a close, you might have come across reminders about the ISA deadline. But what exactly is it, and why should it matter to you?

Why do investors continue to flock to American stocks despite market crashes, trillion-dollar losses, and economic uncertainty?

Mengapa pelabur terus tertarik kepada saham Amerika walaupun berdepan dengan kejatuhan pasaran, kehilangan trilion dolar, dan ketidaktentuan ekonomi?

Tetapi mengapa lebih daripada 400,000 orang memilih Wahed? Mari kita terokai tiga sebab utama mengapa Wahed menonjol sebagai pilihan ideal untuk perjalanan pelaburan anda:

But why exactly more than 400,000 people globally has chosen Wahed? Let’s explore the top three reasons why Wahed stands out as an ideal choice for your investment journey:

Apabila kita mendengar perkataan rezeki, kebanyakan daripada kita akan terfikir tentang wang. Walaupun wang itu penting, rezeki datang dalam pelbagai bentuk. Ia boleh berupa majikan yang memberi inspirasi, kawan yang boleh dipercayai, ibu bapa yang menyokong, dan banyak lagi.

Despite the prevalence of Riba (interest) in modern economies, there are still a few Shariah-compliant methods for Muslim investors to participate in the property market.

Markets rebounded in January 2025, with equities, bonds, and gold showing strong gains despite December’s correction. U.S. GDP grew 2.8%, while inflation and tech sector volatility, driven by China’s AI startup DeepSeek, added uncertainty. The UK and Eurozone faced economic struggles, and China saw mixed results with weak manufacturing but solid GDP growth. Central bank policies, inflation, and trade risks will shape global markets in 2025, highlighting the need for a diversified investment strategy.

Masih ramai antara kita yang percaya bahawa kita boleh menyusun strategi dan meramalkan pasaran (juga dikenali sebagai “timing the market”), dengan berdagang secara aktif — beli pada harga rendah, jual pada harga tinggi — untuk memaksimumkan pulangan. Tetapi, jujurlah, berapa kerap ramalan kita tentang cuaca, trafik, atau pasaran saham benar-benar menjadi kenyataan?

There are still many of us believe we can strategise and predict the market (also known as “timing the market”), to trade actively — buy low, sell high — so as to maximize returns. But let’s face it, how often do our predictions about the weather, traffic, or even the stock market actually hold true?

December marked the end of a year defined by strong performance across major asset classes, with equities, bonds, and gold all recording positive returns. Despite a pullback in the final month, markets benefited throughout the year from easing monetary policies and robust corporate earnings.

Riba, atau faedah, adalah amalan yang membawa kesan ekonomi, rohani, dan moral. Apa yang dianggap sebagai 'pertumbuhan' kini menimbulkan persoalan, adakah 'pertumbuhan' itu bermaksud untuk mengeksploitasi, meningkatkan ketidaksamaan, dan mencipta ketidakadilan? Oleh sebab itu, Islam melarangnya.

Riba, or interest, is a practice that has economic, spiritual and moral consequences. What considered has ‘growth’, now it begs the question if ‘growth’ means to exploit, increase inequality and create injustice? Hence why, Islam forbids it.

Learn more about angel investing, venture capital funds and online investment platforms with a clear understanding of Shariah risks for each type.

November markets rose as the MSCI World Islamic Index gained 4.0% and the Dow Jones Sukuk Index edged up 0.3%. US policy clarity post-elections, a stronger dollar, and shifting central bank actions shaped global trends, while challenges persisted in the UK, Eurozone, and China.

Kepentingan pelaburan tidak boleh dinafikan, dan ia telah berkembang pesat dalam jangka masa yang singkat,seiring dengan pertumbuhan industri kewangan. Terdapat banyak panduan yang diterbit untuk menerangkan cara untuk melabur, jenis-jenis pelaburan dengan cara untuk mengaksesnya, serta peraturan-peraturan yang berbeza dalam pelaburan.

Explore the journey of investing with balance and faith. Learn how to align risk and return with Islamic principles to achieve your financial goals.

Markets had a relatively downbeat month in October, largely due to shifting expectations around rate cuts and their impact on U.S. Treasury yields.

The US is often looked at a beacon of economic prosperity and growth. In this article, we review the underlying epidemic of interest affecting the vulnerable in society.

Discover how to grow your wealth and achieve your financial goals with Wahed. Learn key investing insights and strategies that align with your financial objectives and Islamic principles.

Build a purposeful investment strategy with Wahed. Align your financial goals, risk tolerance, and time horizon to make informed, values-driven investment decisions

Tax Director, Ruzwan Boota, deep dives into the significant IHT changes for UK Businesses. Learn more

Tax Director, Ruzwan Boota, summarises the key announcements from today’s Autumn Budget and how they may impact you. Learn more:

Discover Wahed’s journey over the past five years as a pioneering Shariah-compliant digital investment platform, transforming the way Malaysians approach ethical investing. Learn about our growth, impact, and commitment to financial inclusivity.

Terokai perjalanan Wahed sepanjang lima tahun sebagai platform pelaburan digital patuh Shariah yang menerajui perubahan, mengubah cara rakyat Malaysia mendekati pelaburan beretika. Ketahui tentang perkembangan, impak, dan komitmen kami terhadap keterangkuman kewangan.

Set yourself up for financial success by understanding the impact of making SMART financial goals. At Wahed, we guide you on every step of your financial journey, helping you achieve your aspirations in harmony with your faith.

Looking for halal real estate investing options in the UK? Here’s a brief 8-step guide that walks you through the journey of a Wahed Real Estate investment, from property selection to your potential returns.

Bayaran faedah bukan sahaja membebankan keluarga miskin dan kelas pertengahan, malah ia turut menghancurkan syarikat dan negara.

Interest repayments don’t just weigh heavily on poor and middle-class families, they also crush corporations and nations.

Tax Director, Ruzwan Boota breaks down some of the key talking points ahead of the Budget announcement on 30th October and how this could affect you. Learn more

Discover the three key types of investment accounts—Individual Investment Accounts, IRAs (Roth & Traditional), and 401(k)s—and learn how they fit into your financial goals with insights on halal investing principles.

We’ve all noticed it. The cost of living in Malaysia is rising.

Kita semua telah menyedarinya. Kos sara hidup di Malaysia semakin meningkat.

Markets continued to gain ground in September, extending gains from previous months, driven by declining US Treasury yields.

The size of the world's interest bill has reached an astronomical $13 trillion. But what is the impact on the global economy?

Interest is affected the UK economy in many different ways. We explore the impact it has on growing inequality

Interest or Riba in Islam is clearly prohibited. This article discusses the key reasons and rationale behind why Riba is forbidden.

Interest is often used interchangeably with growth. This article assesses the mental and psychological impact of debt on people in the UK.

The impact of debt and interest on economies is often overlooked in the search for growth. But what is the actual real impact?

We believe the current interest-based financial system is unfair. In this article we discuss why we believe interest creates unfairness, inequality and injustice.

This article uncovers the links between interest and inequality and assesses the fairness of interest in society.