Investments Frequently Asked Questions

What are the basic steps of investing

1. Define your goals

Setting clear goals with achievable targets is the first step in the planning process. For example, 'I want to retire at 60 with an after tax income of $100,000 which will last at least 20 years'.

2. Understand the investment basics

The main things you need to understand are the different asset classes (i.e Australian and International shares, property and cash) and how they perform, the relationship between risk and return and why diversification is something you should consider.

3. Check your investment strategy options

There are quite a few strategies that you can use to build wealth and achieve your goals faster - starting a regular investment plan, investing for growth and re-investing distributions are few of the examples.

4. Decide if you need professional help

Keeping up with changes to tax, superannuation regulations, market movements and tracking investment performance can be technical and may require advice from experts. We believe that working with a financial adviser can help you achieve your financial goals.

5. Start investing

No matter how much time you spend considering your strategies, watching the stock markets or planning which funds to put your money into, until you make those investments they can't start working for you.

What is asset allocation?

Asset allocation refers to the proportion of money a managed fund invests in the different asset classes. This is one of the most important things you need to look at when considering a fund that invests in more than one asset class.

An asset class is a type of investment. The main asset classes that people refer to are cash, property and shares. It is important to understand asset classes because they each have different levels of risk and return – the main criteria by which investors generally choose what they invest in.

Understanding what to expect from the different asset classes will help you decide which types of investments best suit your needs and investment timeframe. For example, investing in shares and property may deliver good returns over the long term (5+ years). But you should also be aware that the short term returns may fluctuate dramatically from day to day and it's very likely they will sometimes be negative. It is important to decide if this is something you feel comfortable with.

By investing in more than one asset class you can diversify your investments and reduce your risk.

What are the main asset classes

An asset class is really just a type of investment. The main asset classes that people refer to are cash, property and shares.

It is important to understand asset classes because they each have different levels of risk and return – the main criteria by which investors generally choose what they invest in.

Understanding what to expect from the different asset classes will help you decide which types of investments best suit your needs and investment timeframe.


Cash generally refers to investments in money market securities. Crescent Wealth Cash Fund invests with Islamic money market securities, which have a short investment timeframe and are liquid in nature. Cash investments generally provide a stable return, with very low risk of capital loss.


Property generally involves buying a property directly or investing in property securities. Property securities do not involve buying a property directly. They provide an indirect exposure to property and generally represent a part ownership of a company or an entitlement to the assets of a trust.

The company or trust may hold, manage or develop infrastructure and real property in sectors such as office, industrial and retail. Property securities are generally listed on a stock exchange and are bought and sold like shares.


Shares represent a part ownership of a company and are generally bought and sold on a stock exchange. Shares are generally considered to be more risky than the other asset classes because their value tends to fluctuate more than that of other asset classes.

However, over the longer term they have tended to outperform the other asset classes.

What is an investment managers investment style

‘Style’ can be described as a fund manager’s investment philosophy in relation to the companies it chooses to invest in, and the process by which those investment decisions are made.

Successful managers are generally committed to a particular style. Not only does it provide a set of disciplines which dictate the selection of companies, but it also allows them to develop and refine a specific process which can be easily shared with new portfolio managers they recruit. This improves the chances of repeating their success over the long term, rather than achieving short term success based on a couple of star individuals.

How do I choose an investment option

When it comes to choosing an investment option when you join a fund, as well as having a basic understanding of asset classes, there are several key questions you should ask yourself:

  1. What is my level of comfort with risk?
  2. What type of return am I looking for?
  3. How long is my investment timeframe?

All investments are designed to make a return and are subject to risk. This means that, as well as making money, there's also a chance that you could lose it. You might also think of risk as the possibility that your investments don't achieve your financial objectives. As a general rule, the bigger the potential investment return, the higher the investment risk and the longer the suggested investment timeframe.

Consider your age when determining how long you expect your money to remain invested (your investment timeframe). This will help determine the most appropriate investment mix for your circumstances. If you are young, you may be able to invest your money for longer, and can therefore weather the short-term fluctuations that can occur when investing in higher risk options. If you are older and you may need to access your money sooner, it may be more appropriate to protect your money by investing in lower risk options.

While your fund can explain the different investment options available to you, speak to a financial adviser to help you choose one that best suits your personal circumstances.

What is Islamic Investing?

Islamic investment principles, also known as Responsible investing, refers to an investment philosophy that differs substantially from the conventional approach to investments. It represents a philosophy established to create a better world through investments that benefit society, consider the environment and support the well-being of our future generations.

Read more about our Islamic investment principles.

Are the majority of investment providers investing in NON-Islamically compliant assets?

Yes. Majority of investment providers don't consider Islamic compliance, when deciding their investment assets. They may invest in non Islamically compliant areas including interest bearing products and shares in companies dealing in weapons, alcohol, gambling and other prohibited sectors. Hence, the returns generated from these investments are not Islamically complaint.

How do you make sure you invest Islamically?

We actively screen out investment opportunities that earn profits from market prohibited goods/services such as alcohol, gambling, interest, weapons and more. We also filter out companies who have high levels of debt/gearing, cash or short-term investments and receivables. We do this by adhering to the AAOIFI standards, under guidance of our Shariah Supervisory Board and using an investment research firm IdealRatings.

1) All our investments comply with and adhere to the globally recognised standards for Islamic Investment principles as set by AAOIFI. AAOIFI determine the laws based on Islamic Jurisprudence. AAOIFI is comprised of dozens of the world’s leading Islamic Finance scholars who also provide these standards for the world’s leading Islamic financial institutions.

2) We have a globally recognised Shariah Supervisory Board from Dubai - Dar Al Shariah - consisting of scholars of Islamic finance who advise leading Islamic institutions and who monitor each of our funds adherence to the above principles. Dar Al Sharia has been awarded the World’s Best Sharia Advisory Firm and World’s Best Islamic Consultancy Firm 7 years in a row with IFN. We have their fatwas for each of our specific products should you wish to view them.

3) Each investment undergoes in-depth analysis for its Islamic compliance by IdealRatings, the world’s most trusted Islamic investment research firm. Established in 2006, IdealRatings works with investors like Crescent Wealth who want to align their values with their investment goals. Keeping pace with the significant growth and evolution of Islamic finance, they have been enhancing and expanding their tools and services for values-based investors.

Read more about our Islamic compliance.

Who manages my money?

Our highly skilled investment team researches the globe to analyse, undertake due diligence and ultimately appoint and outsource the best and most appropriate investment managers as Crescent Wealth’s investment sub-advisors. All funds are managed in accordance with Islamic investment principles while offering diversification across major asset classes such as Australian shares, international shares, Islamic money market securities and, listed and unlisted property.

Is my money safe with Crescent Wealth?

Crescent Wealth, has a comprehensive regulatory framework in place to safe guard your investments.

Crescent Wealth does not physically hold any of your money. It is held by NAB Asset Servicing, a subsidiary of National Australia Bank as Crescent Wealth's independent custodian.

In addition, Crescent Wealth has Equity Trustees Superannuation Limited as the independent trustee who are responsible for the regulatory compliance and operations of the Fund.

Are you licenced and regulated like other Investment funds?

Yes – As required by law, the Trustee of the Fund, Equity Trustees Superannuation Limited, holds both an Australian Financial Services Licence – AFSL: 229757 (issued by ASIC) and a Registrable Superannuation Entity Licence RSE: L0001458 (issued by APRA). In addition, the Fund has been registered with APRA (the Superannuation Regulator) and has been given the Fund Registration Number R1075182. The Crescent Wealth Super Fund Australian Business Number (ABN) is: 71 302 958 449.

What are your fees?

The Crescent Wealth Fund Management (the Fund) offers competitive ongoing investment fees. These may vary depending of the underlying composition of the assets within the option.

Invest in one or diversify and invest in more.

Do you provide any other services apart from Investments?

Yes. We also provide Islamically compliant superannuation, which individuals can invest their superannuation into.

I can't log in to my online account - what do I do?

Your member number is 9 digits that you would have received in an email upon sign-up. If you can't remember your member number please contact our Member Care team for assistance on 1300 926 626.

If you do know your member number, but have forgotten your PIN, you can reset your PIN here.

Do you provide loans and mortgages?

No. Crescent Wealth is not a financial lending institution. We are a superannuation and wealth management company.

Where can I get more information?

For more information, please contact Crescent Wealth on 1300 926 626.

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