Muslim Money Experts

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.

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

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

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:

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?...