Retirement
10 articles tagged “Retirement”
Halal Retirement in South Africa (2026): Four Providers, One Big Gap
Shariah retirement annuities, preservation funds, umbrella options and two compliant living annuities all exist in South Africa. A halal guaranteed annuity does not. The complete verified landscape.
Regulation 28 for Halal Investors: What the Law Lets Your Retirement Money Do
Regulation 28 caps equities at 75%, property at 25% and offshore at 45%, and applies to halal funds exactly as to conventional ones. What the double constraint means for Muslim retirement savers, in plain language.
The Two-Pot Retirement System for Muslims: Same Rules, Sharper Choices
Since September 2024, a third of new retirement contributions sits in an accessible savings pot. The rules are identical for Shariah funds. The temptations and the planning opportunities are not.
Changing Jobs Without Breaking Compliance: Halal Preservation Funds Explained
The moment you leave a job, your retirement benefits face three doors: cash out, default into a conventional preservation fund, or preserve compliantly. Only one keeps both your compounding and your compliance intact.
Retiring Halal: The Two Compliant Annuities and the Guarantee That Does Not Exist
By law, most retirement benefits must buy an annuity. Conventional annuities run on interest. South Africa offers exactly two compliant answers, Oasis and 27four, and no halal guaranteed income at any price.
Oasis Crescent Retirement Annuity Review (2026): The Purist's Choice, Priced
The only SA retirement annuity where the wrapper, administrator, manager and scholars are all Shariah-native, from R500 a month. What the end-to-end certification buys, and what the closed menu and form-based fees cost.
Alexforbes Shariah Portfolios Review (2026): Compliance as a Payroll Checkbox
SA's largest retirement administrator runs a proper multi-asset Shariah range, local and global equity, sukuk, property, inside the umbrella funds where millions already save. It also publishes no scholar names at all.
Your Employer Pension Is Probably Haram. Here Is How to Fix It From Inside
Most South African Muslims' biggest asset is an employer retirement fund invested conventionally by default. Two verified routes fix it without changing jobs: an Alexforbes Shariah election or the 27four Umbrella Fund.
Sygnia Islamic Balanced Fund Review (2026): The Low-Cost Halal RA, Examined
An AAOIFI-screened balanced fund running since 2010, inside one of SA's cheapest RA platforms, from R500 a month, with Camissa and 27four funds on the same menu. The catch is governance you cannot see.
Shariah Retirement Annuities Compared: Oasis vs 27four vs Sygnia
Three genuinely different ways to run a halal RA: the pioneer's certified full stack, the multi-manager's diversification, and the low-cost platform. The comparison that decides it, on evidence.