Guided by an independent Shariah board of senior Ulama, our investment approach avoids Riba and purifies dividends – while maintaining the same focus on long-term performance.
For our Muslim investors, it’s essential that all income adheres to the dictates of the Shariah – earnings should be pure and choice. Sanlam Private Wealth offers a customised investment solution that complies with Shariah guidelines.
These guidelines set clear rules for income, but also prohibit investment in industries such as conventional banking, gambling and alcohol. A core principle of Islamic investing is the avoidance of interest, or Riba.
Our offering combines certified Shariah compliance with the expertise of an experienced, faith-aligned investment team – backed by the strength and integrity of a world-class wealth manager.
Every investment considered for our Shariah solution undergoes a meticulous screening process:
Review fund products
We assess all businesses in our trading universe to ensure they are Shariah-compliant. Portfolios are managed using equities and other acceptable financial instruments.
Assess financial ratios
We apply strict ratio filters to ensure alignment with Shariah standards:
Check interest rate
Riba-earned plus non-permissible income must be less than 5%.
Final approval
