Our investment philosophy is grounded and bound by Islamic investment philosophies that aims to meet the financial needs of investors.


Islamic investment is based on economic principles that differ substantially from conventional wealth management. When investing on-behalf of our clients, we examine and research each investment to understand how it makes its money from a commercial as well ethical standpoint.

Our investment teams are supported by domestic and international research teams as well as the advisory services of our Shariah Supervisory Board, Dar Al Sharia.

Our investment principles

In your average Super fund, up to 40% or more of your money may very likely be invested into:


With Crescent Wealth, your money is always invested in the right place. Areas where we invest instead:


The four core principles of Islamic investing

Avoiding the payment and receipt of interest

The prohibition of interest arises from the Islamic view that money should be used only as a medium of exchange, a store of value and a unit of measurement. Money itself possesses no intrinsic value. The charging or receipt of interest – or ‘riba’ – is therefore prohibited. Any return on money invested should be linked to the profits of an enterprise.

Investing ethically and morally

Similar to socially responsible investing, Islamic investment filters out socially detrimental activities, such as gambling, tobacco, adult materials, alcohol and weapons. For the most part, Islamic investing is consistent with positive social values and good governance.

Avoiding uncertainty

The existence of uncertainty in a contract is prohibited. Everyone participating in a financial transaction must be adequately informed and all fundamental terms such as price or quantity must be clearly determined at the outset.

Avoiding speculation

Investments that rely on chance or speculation, rather than the efforts of the investor to produce a return are prohibited. Normal commercial risk-taking and related speculation is otherwise permitted.