Shariah-Compliant Pensions
Ethical Retirement Planning Aligned with Islamic Principles
At Unbiased Independent Financial Advisers Ltd, we understand that planning for retirement is one of the most important financial decisions you’ll make. For Muslim clients who wish to align their financial planning with their faith, we offer bespoke advice on Shariah-compliant pensions that adhere to the core principles of Islamic finance.
What Is a Shariah-Compliant Pension?
A Shariah-compliant pension is a retirement savings plan structured to meet the ethical and legal guidelines of Islamic law (Shariah). These pensions avoid prohibited (haram) activities, such as investments in alcohol, gambling, pork products, and interest-based financial services. Instead, they focus on halal investments that are socially responsible and ethically sound.
Key Features of Shariah-Compliant Pensions:
- No Riba (Interest): Funds avoid investments in interest-bearing instruments.
- Haram-Free Investments: Portfolios exclude companies involved in alcohol, tobacco, gambling, and other non-compliant sectors.
- Asset-Backed Growth: Investment returns are generated through permissible (halal) assets, such as real estate, healthcare, and technology.
- Shariah Oversight: All investments are vetted and approved by qualified Shariah scholars or boards.
- Profit and Risk Sharing: Investment structures follow ethical models like Mudarabah (profit-sharing) and Musharakah (joint ventures).
Why Consider a Shariah-Compliant Pension?
- Faith-Aligned Financial Planning: Gives you peace of mind that your pension savings reflect your religious and ethical beliefs.
- Ethical Investment Approach: Supports industries that promote wellbeing, sustainability, and responsible governance.
- Diversified Portfolio: Invests in global companies and sectors screened for Shariah compliance.
- Accessible and Flexible: Options available through SIPPs (Self-Invested Personal Pensions) and workplace schemes.
Our Services Include:
- Guidance on selecting a Shariah-compliant pension provider
- Consolidation of existing pensions into a halal-approved plan
- Regular portfolio reviews and performance updates
- Retirement income planning using halal drawdown strategies
- Advice on ethical succession and inheritance planning
Start Your Shariah-Compliant Retirement Journey Today
We offer a free initial consultation to help you understand your options and design a retirement plan that honours your faith and financial goals.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested
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