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Explore expert analysis on halal finance, ethical investing, and wealth management.
133 articles
Islamic Home Finance vs Conventional Bond in South Africa (2026): What Differs
Islamic home finance in South Africa is a co-ownership contract, not a loan. How Al Baraka's diminishing Musharaka and FNB Islamic compare with a conventional bond on rate, fees, early settlement, transfer duty and tax.
Shariah Compliant Retirement Annuity Tax Deduction (2026): The R430,000 Rule
Contributions to a Shariah-compliant retirement annuity are deductible under section 11F at 27.5% of income, capped at R430,000 for 2026/27. The saving worked in rand at four salary levels, with the funds that qualify.
Zakat on Retirement Annuities and Pension Funds in South Africa (2026)
South African fatwa bodies split retirement savings in two: no zakat on a compulsory employer fund until payout, zakat every year on a voluntary RA. The rulings, the dissent, two-pot, and the nisab on 6 October 2026.
Switch Your Retirement Annuity to a Shariah Fund (2026): Section 14 Transfers
Moving an existing conventional RA into a Shariah-compliant one is a section 14 transfer under the Pension Funds Act. The steps, the two-pot rules, the costs the receiving funds publish, and the traps in old policies.
FNB Islamic Vehicle Finance Review (2026): Ijarah at a 10.75% Base Rate
FNB finances cars through a Shari'ah compliant Ijarah lease over 12 to 72 months, priced off a published Islamic Banking Base Rate of 10.75%, for dealer and private purchases. Costs, eligibility and rivals.
Islamic Vehicle Finance for Business Owners in South Africa (2026): NBV vs Banks
A business owner has three verified halal vehicle routes: No Bank Vehicles' rent-to-buy, Al Baraka's Murabaha and Ijarah, and Absa's Ijaarah lease. Structures, deposits, terms, balloons and the tax questions compared.
Shariah TFSA vs Retirement Annuity (2026): Which Halal Tax Break to Fund First
South Africa gives halal investors two tax wrappers: a tax-free savings account at R46 000 a year and a retirement annuity deductible up to 27.5% of income. Which to fill first depends on your marginal rate and horizon.
Tax on Halal Investments in South Africa (2026): Dividends, CGT and TFSA Rules
Halal investments pay the same taxes as any other: 20% dividends tax, CGT at up to 18% effective after a R50,000 exclusion, and interest rules on Mudarabah profit. Every SARS number for 2026/27, applied to Shariah funds.
Pension vs Provident vs Retirement Annuity for Muslims in South Africa (2026)
Pension funds, provident funds and retirement annuities share the same tax deduction and two-pot rules but differ on access, annuitisation and where you can find a Shariah portfolio. A guide for Muslim savers.