Muslim Money Experts

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:

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.

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.

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.

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

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

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

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

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.

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

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

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

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

Sepanjang sejarah, emas telah melambangkan kekayaan dan kuasa disebabkan oleh kelangkaan dan keindahannya. Emas juga disebut dalam Al-Quran, yang menekankan kepentingannya dalam Islam (Surah Al-Imran 3:14).

Throughout history, gold has represented wealth and power due to its rarity and beauty. It is also mentioned in the Quran, highlighting its significance in Islam (Surah Al-Imran 3:14).

Learn how diversification in halal investing can help manage risk and optimize returns. Explore Wahed’s tailored portfolios designed to meet your financial goals while adhering to Islamic principles.

Markets in August continued their upward trend of the past months despite experiencing volatility driven by concerns on US economy after weak unemployment data.

Learn how Wahed makes halal property investing in the UK accessible and completely hassle-free. Earn potential passive income from properties, starting at just £500.

Pasaran kewangan tidak selalunya stabil — ada kalanya ia naik, dan ada masanya ia turun.

The financial market has its ups and downs, much like the journey we each take in life.

Halal real estate investing for beginners: Learn Shariah-compliant ways to earn rental income and grow wealth, starting from just £500. No mortgage needed!

Considering rolling over your 401(k) to a Halal IRA? Learn why 401(k) investments may conflict with Islamic principles and how to transition to a Shariah-compliant IRA.

July's markets were mixed: MSCI World Islamic Index up 5.3% YTD, Dow Jones Sukuk Index rose 0.9%, and US GDP grew 2.8% in Q2. Global markets remain sensitive to central bank policies and geopolitical shifts.

Discover what's in your 401k, the benefits and drawbacks of investing with a 401k, and how to ensure your 401k remains halal.

Berabad-abad lamanya, emas telah memikat hati dan minda orang di seluruh dunia. Kelangkaannya, kecantikannya, dan nilainya yang kekal menjadikannya aset yang dicari-cari untuk sebab emosi dan rasional. Tetapi apakah yang membuatkan emas begitu mempesonakan sebagai pelaburan, dan mengapa ia telah bertahan selama ini sebagai aset yang berharga sepanjang zaman?

For centuries, gold has captivated the hearts and minds of people around the world. Its rarity, beauty, and enduring value have made it a sought-after asset for both emotional and rational reasons. But what is it about gold that makes it so alluring as an investment, and why has it stood the test of time as a valuable asset?

Learn how to navigate the financial eco-system in the US as a Muslim American in this comprehensive guide to halal investing.

By pursuing the righteous way, not only can we be free from riba but also that our wealth brings barakah. It may multiply and further improve your means to support the ummah. Afterall, in Islam, wealth is merely a means, not an end in itself. We should not be distracted by it.

Global markets continued their upward trend in June, with the MSCI World Islamic Index rising by 1.22% for the month, up 4.34% year-to-date.

Kita perlu mengambil berat dengan kemampuan dan kemahiran untuk memperoleh kekayaan ini secara halal. Ianya adalah sebahagian dari Ihsan, kita perlu berusaha mencapai tahap dan kualiti tertinggi dalam pelaburan patuh Syariah.

Discover halal IRA options, their pros & cons, and how Wahed facilitates a riba-free retirement aligned with your faith.

Retirement guide for Muslims in the U.S. Learn about halal investment options and how Wahed offers riba-free investing for retirement.

Global markets saw a positive performance in May after having witnessed some corrections in April. The MSCI World Islamic Index rose by 2.80% for the month and was up 4.26% year to date.

Explore the power of compound growth in halal retirement savings. Learn how shariah-compliant options like halal IRAs can help offset inflation and make your retirement dreams attainable, regardless of the amount you have in your savings account today.

Perancangan persaraan merupakan aspek penting dalam kesejahteraan kewangan. Namun, ia seringkali tidak dititikberatkan dalam perbualan mengenai kewangan peribadi.

Wahed meneroka dunia perniagaan permulaan dan mengetengahkan hujah mengapa sebagai umat Islam kita tidak patut mengetepikan kelas aset ini!

Sebagai Muslim, kami faham kepentingan pengendalian kewangan dengan cermat dan teliti. Kami memastikan setiap aspek pengendalian wang berlandaskan prinsip-prinsip Islam, termasuklah dalam penyimpanan, pelaburan, serta perbelanjaan.

As Muslims, we understand the importance of managing our finances with diligence and care. From where we store, invest, and spend our money, we take measures to ensure that our financial dealings align with our faith.

After a bullish start to the year, most markets in April 2024 experienced a correction. The MSCI World Islamic Index declined by -3.88%, reversing its earlier upward trend. Similarly, the Dow Jones Sukuk Index saw a drop of -1.59%, due to rising inflation expectations and an uptick in U.S. Treasury yields.

Learn more about the financial realities we face as Muslims as we plan for our future retirement. Wahed provides Riba-free retirement investment options to help you achieve your financial goals without compromising your faith.

In March 2024, global markets continued their upward trend, with the MSCI World Islamic Index rising by 2.67%, building on the strong performance seen in February.

Bank adalah keperluan zaman moden. Tetapi sebagai seorang Muslim, komitmen kita kepada larangan Allah terhadap riba adalah lebih utama. Adakah bank Islam itu benar-benar bebas dari riba?

Banks are a modern day necessity. But as a Muslim, our commitment to God's prohibition on riba takes precedent. Are Islamic banks then truly riba free?

Key considerations to ensure a comfortable retirement, including what is “enough”, state pension, and expectations around relying on family support.

Global markets continued their February 2024 surge following January after a lull.

Delve into why global markets took a pause after a strong finish in 2023, the implications of Fed policies, and further economic insights. Read more for insights.

The monthly deductions from your payslip being put towards your pensions, are they halal and shariah-compliant? We explore how to check and what to do.

As a Muslim, navigating pensions can be tricky, with multiple types of pensions available. But the big question is, are they halal and shariah-compliant?

Sebagai pelajar, kita sering melabur banyak masa dan usaha dalam pendidikan untuk mencapai kerjaya impian kita.

Conventional insurance contracts as they exist today are a modern phenomenon from the perspective of Islamic Jurisprudence.

Muslim Money Experts, Wahed deep dive into why the stock markets go up and down, introduce the idea of bull and bear markets and help you understand the best investment strategies through market highs and lows.

Inflasi. Satu perkataan yang sering kita dengar untuk menggambarkan ekonomi suram yang selalu kita alami.

This topic is written extensively about how we strongly believe that the best way to invest is to do so passively in a diversified investment portfolio with a long-term mindset.

Building on November's momentum, global markets continued their ascent in December, fueled by fresh signs of a dovish pivot i.e. a transition from rate hikes to rate cuts, from central banks across the globe.

Wahed explores the exciting world of startups and makes the case for why Muslims shouldn't neglect this asset class!

Wajarkah untuk anda cuba mengatasi pasaran? Atau adakah cara yang lebih mudah untuk menjana wang semasa melabur?...

Global markets rebounded in November, with changes in the expectations of policy rate providing impetus for the rally. Read on for more market analysis for November by Wahed!

Wahed explore the concept of saving vs investing and why inflation means investing could be a long-term solution for you.

Wahed demystifies inflation and how it erodes the value of your savings over time and present an alternative way to preserve and grow your wealth.

Should you try to beat the market? Or is there an easier and better way to make money via passive investing?

Tired of exchanging hours for dollars? Do you want to earn money whilst you sleep? There's a way your money can work for you instead of you just working for money...

Penat bekerja berjam-jam demi mendapatkan wang Ringgit? Adakah anda ingin menjana wang semasa anda tidur? Terdapat pelbagai cara bagaimana wang anda boleh bekerja untuk anda dan bukannya anda yang bekerja untuk wang...

Would you like to invest in startups before they hit the stock market? Enter Venture Investing, where you can invest in high-risk high-growth early-stage startups!

There’s more to investing than just the stock market. There are high-growth high-risk startups that are trying to be the next Amazon, Google or Microsoft. Here's how to invest in startups in line with the shariah.

The rollercoaster ride resumed in October, with both stocks and bonds taking a hit due to elevated geopolitical concerns and a steep increase in bond yields.

A will is a religious obligation and ensures the fair distribution of our wealth according to Islamic principles. However, many Muslims find wills complicated. Read on to gain more clarity on wills, its benefits and the importance of having one.

HMRC's views on fractional share could have huge implications for UK investors. Read on to understand why we believe what HMRC are doing is a mistake.

The promise of interest-free payment plans has led to a generation of consumers adopting unsustainable spending habits reliant on financial products that are largely unregulated. Read on to find out the impact that this has had on many individuals in terms of their financial wellness.

Global markets continued their slide in September, as familiar concerns about inflation and higher interest rates persisted. The MSCI World Islamic Index fell by 3.3% in August, while the Dow Jones Sukuk Index fell 1.0%. The big story in September was...

Crowdfunding has entered the mainstream to disrupt and democratize how entrepreneurs, artists, nonprofits and others access capital. Read on to find out what crowdfunding is all about, and a breakdown of its main models.

Students invest a huge amount of time and effort into their education to achieve their dream careers. Yet, whilst focusing on your studies and career path is essential, dedicating time to learning about how to utilise and manage money effectively can multiply how much wealth you generate over your lifetime.

Waqfs have been around for centuries and have taken on different forms to play a vital role in supporting various charitable causes and community development. This article will showcase 5 different ways a Waqf can be used to benefit society.

The big story in August was the troubles in the Chinese economy. Since China reopened its economy after a prolonged pandemic lockdown, many were expecting a strong rebound in 2023...

Sheikh Sajid Umar delivers a unique examination on the Islamic view of Forex trading. With its global reach and 24/7 market operations, Forex has drawn participants from all walks of life. But, whilst Forex offers intriguing opportunities, it also presents unique questions for Muslim traders…

Markets continued their year to date rally in July, as more investors continued to move away from their defensive positioning to start the year. The MSCI World Islamic Index rose by 2.8% in July, while the Dow Jones Sukuk Index rose by 0.2%.

One underutilized way to donate is via establishing a Waqf. A Waqf is an Islamic endowment wherein an asset or cash is donated, with the income generated used to sustainably fund charitable causes.

As we admire grand universities like Harvard or the architecture of the Makkah Royal Clock Tower, it is enlightening to know the common civilizational roots that made them possible.

Did you know that there are certain actions and behaviours that Allah SWT and his Messenger ﷺ informed us, would actually increase your Rizq?

At Muslim Money Experts, we believe that Muslims should revive the use of Awqaf (plural of Waqf) to set an example for the world on how to maximise our charity to build a better world for future generations.

Markets continued their year-to-date rally in June, as more investors continued to move away from their defensive positioning to start the year. The MSCI World Islamic Index rose by 6.4% in June, while the Dow Jones Sukuk Index fell by 0.5%, as interest rates were rising once again. The persistent themes during the month were...