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Sharia Compliant
Investing
Access a range of Shariah‑compliant investments designed to support long‑term growth while aligning with your values. From equities and funds to sukuk and ETFs, each option follows ethical principles and responsible risk‑taking.Â
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Investments
Sharia‑Compliant Investing, Made Clear
Sharia‑compliant investments follow Islamic law, a growing and essential choice for investors across the UK. These portfolios represent a principled approach that goes beyond standard ESG criteria by adhering to specific ethical requirements and rigorous social governance.
Sharia‑compliant investments are governed by Islamic law and are becoming an increasingly popular choice for UK investors. While comparable to ethical or ESG investments, these portfolios follow a broader set of requirements to remain compliant with faith-based values. The process involves rigorous screening. Companies must meet strict criteria, excluding businesses deriving significant income from activities such as alcohol, gambling, or weapons manufacturing. Further requirements include the appointment of a Sharia board and ongoing audits to ensure transparency. We advise on the most appropriate portfolios tailored to your unique financial objectives and risk profile.
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​When you speak with an adviser, they will take the time to understand your individual circumstances, financial objectives, and attitude towards risk. This typically involves discussing how comfortable you are with market fluctuations and how much risk you are willing to take in order to achieve your desired outcomes. From there, they will recommend suitable Sharia‑compliant investment strategies that align with your risk profile, ensuring your portfolio is structured appropriately for both your goals and your level of risk tolerance.
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Investment Approaches
No interest (riba)
Avoiding interest‑based lending and income.
No harmful industries
Screening out sectors like alcohol, gambling and weapons.
Real assets
Backed by real assets and shared risk, not pure speculation.
Sharia oversight
Guided by qualified scholars and regular audits.
Purification
Any non‑permissible income is given to charity.
Defensive
Aims for modest returns above cash with steadier, lower‑risk growth.
Cautious
Targets modest growth above bond‑style returns with a conservative stance.
Balanced
Seeks medium to long‑term growth while smoothing short‑term ups and downs.
Growth
Focuses on higher growth over time with more exposure to growth assets.
Adventurous
Designed for strong long‑term growth with higher market ups and downs.
Model Portfolio Services (MPS) Sharia‑Compliant Investing
Model Portfolio Service (MPS) offers a sophisticated, disciplined approach to managing your wealth according to Islamic principles. By utilising a selection of Sharia‑compliant investment vehicles, MPS provides a diversified strategies tailored to different risk profiles, ensuring your capital is managed professionally while remaining strictly aligned with your faith-based values.
The MPS Approach
- Diversification: Spreading risk across multiple Sharia-compliant asset classes including equities, sukuk, and real estate.
- Active Management: Portfolios are regularly rebalanced by professional managers to maintain alignment with target risk levels and market conditions.
- Consistent Screening: Continuous monitoring to ensure every underlying asset adheres to Islamic ethical standards.
Strategic Benefits
- Access to institutional-grade Sharia investment expertise.
- Transparency through regular reporting and Sharia audit disclosures.
- Scalable solutions that grow alongside your financial objectives.
- Peace of mind knowing non-permissible income is systematically identified and purified.
Whether you are investing for retirement, education, or legacy building, our Model Portfolio Service provides the structural integrity and Sharia oversight required to navigate global markets with confidence and conscience.
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Investment Restrictions & Shariah Compliance
Islamic finance is guided by principles that ensure ethical conduct and social responsibility. To maintain the integrity of your wealth, the following products are generally considered prohibited (haram) due to high levels of interest (riba), excessive uncertainty (gharar), or gambling-like risk (maysir).
Bonds
Interest-based debt instruments.
Gilts
Government interest-bearing debt.
Binary Options
Pure speculative gambling risk.
Saving Accounts
Interest-bearing bank accounts.
Forex
Margin trading and interest swaps.
Derivatives
Non-asset backed financial bets.
Forwards
Uncertain future risk delivery.
Futures
Speculative price-point wagering.
We recommend consulting with a Shariah adviser or a qualified financial consultant to ensure your portfolio meets specific screening standards.
Halal Investments
Grow your wealth through a range of Shariah‑compliant investment options designed to align with your values while supporting long‑term financial outcomes. Halal investing focuses on putting your money into real assets and ethical businesses, avoiding interest‑based returns, excessive uncertainty, and prohibited industries—while still providing access to global markets and diversified growth opportunities.
Exchange Traded Funds (ETFs)
Invest in Shariah‑compliant ETFs that track global markets, sectors, or indices. ETFs combine diversification and flexibility, allowing you to gain broad exposure with lower costs and the ability to trade like a stock.
Sukuk (Islamic Bonds)
Sukuk provide a fixed‑income style investment through asset‑backed structures rather than interest. Designed to generate predictable returns, they offer a more stable component within a Shariah‑compliant investment portfolio.
Islamic Saving Accounts
A lower‑risk way to grow your money while remaining fully Shariah‑compliant. Islamic savings accounts offer profit‑based returns instead of interest, making them suitable for capital preservation and shorter‑term financial goals.
Stocks
Invest in individual companies that meet Shariah‑compliant screening criteria. Build long‑term wealth by owning shares in businesses aligned with your values, with flexibility to tailor your portfolio around sectors and opportunities that matter to you.
Funds
Access professionally managed portfolios that invest in a diversified range of Shariah‑compliant assets. Islamic funds offer a structured, hands‑off approach for investors who want exposure to multiple markets without managing individual holdings.
Gold
A traditional store of value within Islamic finance, gold can act as a hedge against inflation and market volatility. It offers a tangible, Shariah‑compliant way to diversify and protect long‑term wealth.