Real Assets & Gold
Hedge inflation with gold and Shariah-compliant real assets, a time-honored approach rooted in Islamic finance tradition.
How It Works
Decide on allocation size
Most financial experts suggest 5-15% of your portfolio in gold and real assets. It's a complement to equities, not a replacement.
Choose your gold exposure method
Options include physical gold (coins and bars, including from the Perth Mint), ASX-listed gold ETFs backed by physical bullion, or gold mining stocks (screened for compliance).
Consider halal property funds for real estate exposure
Shariah-compliant property funds, such as the ASX-listed Hejaz Property Fund Active ETF and the MCCA Property Fund, provide real estate exposure without conventional mortgage financing.
Rebalance periodically
Gold and real assets can drift significantly from target allocation. Rebalance annually or when allocations move more than 5% from target.
Why Choose This Strategy?
Things to consider ▾
• Gold produces no income; returns come only from price appreciation
• Commodities can be volatile in the short term
Gold has been a trusted store of value in Islamic tradition for centuries. The Prophet Muhammad (peace be upon him) used gold dinars and silver dirhams, and Islamic scholars have long recognized gold as a legitimate and important asset class.
In a modern portfolio context, gold serves as an inflation hedge and a safe haven during market turmoil. When stock markets drop, gold often holds its value or rises, reducing overall portfolio volatility.
There are several ways for Australian Muslim investors to access gold: physical gold coins and bars, ASX-listed gold ETFs that hold physical bullion, and gold mining stocks (though these need Shariah screening). Each has different trade-offs in terms of cost, convenience, and zakat treatment.
Shariah-compliant property funds are another way to access real assets. These funds invest in property or Islamic property finance without the interest-based debt common in conventional REITs, and Australian examples trade on the ASX or are offered directly by Islamic fund managers.
Example Portfolio Allocation
Example Halal Portfolio
Balanced Long-Term
This is an illustrative example only and does not constitute financial or investment advice. Actual allocations should be determined with a qualified financial advisor based on your individual circumstances. Past performance does not guarantee future results.
Frequently Asked Questions
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Reviewed quarterly and updated for major content changes.
Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-03-09