Islamic Investing in Newcastle, New South Wales

Sharia-compliant innovation and technology ETF (ARSN 675 069 379, ASX: HHIF), listed April 2024 - the growth satellite of the Hejaz range, holding AAOIFI-screened global innovators like TSMC, BYD, Pop Mart and Murata against an MSCI ACWI IMI Innovation benchmark hedged into AUD. Management fees and costs are 1.55% p.a. of NAV per the PDS and December 2025 factsheet, with nil entry/exit and performance fees; fund size was about A$10.3M at 31 December 2025. Accessible from $100 via the Halal Money app or one unit through any ASX broker.

Hejaz's unlisted fund shelf: eight AAOIFI-screened vehicles spanning equities (HEF, 1.89%, $10,000 min), property (1.50%, $5,000 min), global ethical (HGEF, running since July 2017), income (HIF, quarterly distributions), enhanced income (HEIF, 1.30%, $100,000 min, 9% p.a. target with 30-month lock-in), private credit (HPCF, $50,000 min, 10-13% p.a. target), private equity (HPEF, 1.85%, $100,000 min, CPI+10% benchmark) and social impact (HSIF, 1.50%, $50,000 min). Published fees run 1.30%-1.89% p.a. with minimums from $5,000 to $100,000; monthly performance table published (as of 31 May 2026 at crawl).

Sharia-compliant listed-property ETF (ARSN 653 783 085, ASX: HJZP) holding AAOIFI-screened Australian and global REITs - Bunnings Warehouse Property Trust, Prologis, Vicinity Centres - under ANIC Shariah Board certification with Equity Trustees as responsible entity. Targets total returns tracking the MSCI World REITs Index (hedged to AUD) over rolling 5-7 years. Management fees and costs are 1.50% p.a. of NAV plus 0.15% estimated transaction costs per the PDS. Accessible from $100 via the Halal Money app or one unit through any ASX broker.

Australia's first halal ETF: an actively managed, AAOIFI-screened global equities portfolio (ARSN 653 786 273), ASX-listed since 17 October 2022 with Equity Trustees as responsible entity and Hejaz Asset Management as manager. Returned 16.34% over the year to 31 May 2026 and 11.56% p.a. since inception, holding names like Taiwan Semiconductor, BYD and AMD. Management fees and costs run 1.89% p.a. of NAV per the PDS, with estimated transaction costs of 0.31% p.a. and no performance fees. Accessible from $100 via the Halal Money app or one unit through any ASX broker.

Halal dividend-income ETF (ARSN 675 069 066), ASX-listed 30 April 2024, holding Sharia-compliant large-caps with market capitalisation above $2 billion that pay significant dividends across Australian and global markets - names like Merck, PepsiCo, Newmont and Ericsson. The cheapest fund in the Hejaz ETF range at 1.10% p.a. management fees and costs plus 0.15% estimated transaction costs (per PDS). Returned 3.04% over the year to 31 May 2026 (5.24% p.a. since inception). Equity Trustees is responsible entity; accessible from $100 via Halal Money or one unit via any ASX broker.

The Hejaz Group's fintech arm: an app combining a Visa debit spending account (issued by Hay Limited, AFSL 515459) with halal ETF investing from $100 at a flat A$10 brokerage per trade, plus Apple Pay/Google Pay, PayID and BPAY. Trades settle through Openmarkets Nominees; the underlying ETFs carry ANIC certification with semi-annual Shariah audits. Available in Australia and the UK. Halal Money is not an authorised deposit-taking institution and account balances have no Financial Claims Scheme protection - a structural trade-off users should understand before parking cash in it.

Australia's only ASX-listed sukuk fund (ARSN 666 691 943, listed 2 November 2023): AAOIFI-screened sovereign and corporate sukuk - Saudi Arabia 4.511% 2033, Indonesia 4.4% 2027, First Abu Dhabi Bank 4.581% 2028 - providing the halal fixed-income sleeve for ASX-bound portfolios. Management fees and costs are 1.33% p.a. of NAV per the PDS. Returned -3.91% over the year to 31 May 2026 (2.63% p.a. since inception), a reminder that sukuk carry real duration and currency risk. Accessible from $100 via the Halal Money app or one unit through any ASX broker.

Share-based membership investments in Australia's member-funded Islamic co-operative (est. 1998, ACL 465922) - General, Children (guardian-operated until 18) and Hajj-savings variants. The live performance table shows General and Children memberships returning 6.5% p.a. over five and ten years (3.8% over one year) and the Hajj fund 4.4% p.a. (2.8% one-year), net of investment fees, indirect costs and tax (crawled 2026-08-05). Quarterly distributions; active membership from $500 (5 shares); Hajj fund minimum $2,000 with 0.60% fees. Member capital funds the co-op's Musharakah home finance, Murabaha car finance and community projects.

Australia's first Shariah-compliant registered retail mortgage fund (est. 2009, ARSN 138726931), managed by MCCA Asset Management under AFSL 291356: $97.5M under management, monthly distributions paid since inception, and a $1,000 minimum (1,000 units at $1.00). Assets are restricted to registered first mortgages and cash from MCCA's Islamic home-finance book; FY2025 returned 4.28% against the 4.30% AusBond Bank Bill benchmark, after beating the benchmark in each of the four prior years. Big-4 audited every six months, with a dedicated published fatwa.

An ASIC-registered, Shariah-compliant direct property fund from MCCA Asset Management (AFSL 291356) where investors approve specific single-property sub-schemes - development projects or rental assets - before money is committed, typically from $50,000 per sub-scheme. Returns come from development profit or rent plus sale proceeds rather than interest; the completed Heidelberg VIC sub-fund (2016-18) returned 18.83% total, 11.36% p.a. No establishment fee; investments are illiquid until each property sells; annually audited by a Big-4 firm with PDS and TMD published.

An online Sharia-compliant managed-account service: the Meezan Islamic Growth Portfolio targets CPI+4.5% over a 6+ year horizon for a 1.35% p.a. management fee with a $5,000 minimum. Investors beneficially own the underlying securities (unlike a pooled fund), with free entry/exit, an investor portal and app, and year-end tax reporting. Open to individuals, companies, SMSFs and trusts.