How do you know a fund is Shariah-compliant?

We recommend funds overseen by an independent Shariah supervisory board, which screens holdings for prohibited activities and excessive debt, and arranges purification of any non-compliant income.

Do halaal investments perform worse?

Not necessarily. Shariah screening changes what a fund can hold, so returns can differ from conventional funds in either direction over shorter periods. What matters is choosing well-managed funds that suit your goals.

Can I move my existing retirement savings into a Shariah-compliant fund?

In most cases, yes. Retirement annuities and preservation funds can usually be switched or transferred. We check the costs and tax implications before recommending a move.

Do you only offer Shariah-compliant products?

No. We specialise in halaal options, but we also offer conventional products. We are not tied to one provider, so we show you the options side by side and you choose what fits.

Shariah-Compliant Investments South Africa

Grow your wealth in line with your faith

At Sapphire Global, Shariah compliance is not an add-on. It is where we start. We help Muslim individuals, families and businesses build investment portfolios that avoid riba and prohibited industries, without compromising on long-term growth or sound financial planning.

Book a Meeting

Expert advice, more choice, personal service

Led by Dr. Shakir Jeeva. Our founder brings advanced qualifications in Islamic finance, investment management and financial governance, and decades of experience in global financial markets. He and his team personally oversee the advice you receive. We are not tied to a single provider: we compare solutions across leading investment houses, insurers and takaful providers, and show you the options side by side, with the costs and trade-offs explained, so you choose what fits.

How we can help you

Who it is for

• Individuals who want every part of their portfolio to be halaal, not just one fund

• Families saving for education, Hajj, a home or the next generation

• Business owners investing surplus cash or company reserves

• Anyone unsure whether their existing investments are truly Shariah-compliant

What we help with

• Shariah-compliant unit trusts and portfolios across equity, balanced and income funds, screened by recognised Shariah supervisory boards

• Halaal retirement annuities and preservation funds

• Shariah-compliant tax-free savings accounts, using your R46,000 annual allowance

• Sukuk and income alternatives for stability and regular income without interest

• Portfolio reviews to check whether existing investments meet Shariah standards and suit your goals

• Zakat-ready reporting, with your investment values on your chosen zakat date

How we work

1. A first conversation about your goals, timeline and how you want your faith reflected in your money

2. A review of your current investments, cover and tax position

3. A written recommendation, with fees, risks and the Shariah certification of each product explained

4. Implementation, then regular reviews as your life and the markets change

Common questions

Sapphire Global Financial Services is an authorised financial services provider (FSP 51022). This page is general information only and does not constitute financial advice or a religious ruling. The value of investments can go down as well as up.

Ready to talk about your money?

Book a free, no-obligation consultation with Dr. Shakir Jeeva and his team. We will look at where you are today, show you the options side by side, and explain the costs and trade-offs in plain language.