Financial Planning. Investments. Islamic Loans. Your Premier All-In-One Islamic Financial Services Soluion. hejazfs.com.

Transcription

1 Investments Financial Planning Islamic Loans Your Premier All-In-One Islamic Financial Services Soluion hejazfs.com.au

2 Contents CEO's Message About Hejaz Superannuaion Financial Planning Cash Investments Accouning Islamic Loans Sharia Compliance Specialist Services Hejaz Family

3 Message from the CEO Welcome It gives me great pleasure to welcome you to the Hejaz brand. I hope this book creates an opportunity for our valued readers around the world to learn more about our leading services in Islamic super, investments, financial planning, accounting, finance and Islamic wills. This booklet is part of the external manifestation of our commitment to transparency and open communications to all our clients as well as to the wider public interested in our services. Hakan Ozyon Chief Execuive Oicer 3

4 Find out why a growing number of Muslims are switching to Hejaz. 52 Services Provided by Hejaz 40+ Naional Imams/ Scholars/Mutis have their super & cash invested with Hejaz 10+ Years of Islamic Investment Experience Members being serviced by Hejaz 5+ Oices in Australia with a naional reach 31 Diferent Cultures 4

5 Who is Hejaz? About Hejaz. Hejaz Financial Services is Australia s premier Islamic Financial Services provider. We cater for the diverse inancial needs of the Australian Muslim community. We strive to provide an ethical and socially responsible alternaive to inancial services while specialising in Islamic Superannuaion and investments. As experts in Islamic investments and ethical inancial planning in the vibrant Australian Financial Services sector, we believe in building a beter tomorrow through ethical investments and inancial planning that will bring prosperity to society, sustain the environment, and enhance opportuniies for our future generaions. Our services are backed by some of the most presigious professional organisaions in the world. Are we licensed? Hejaz Financial Services is an Authorised Representaive, InterPrac Financial Planning Australian Financial Services Licence - AFSL 7 8. In addiion Hejaz Capital Pty Ltd ABN is a registered Tax Agent. Registraion number 7. Credit Licence number 9 5

6 Islamic Superannuaion Superannuaion is likely to be your second largest asset, ater your family home. While you cannot access the funds unil later in life, super deserves as much care and atenion as any aspect of your inances. The long-term nature of this investment means that having your funds invested in the right place makes a big diference when you do come to reire. Superannuaion is not just an investment, it is a concessionally taxed structure designed to save for reirement. Knowing where to invest, how much to contribute and when is essenial to ensure you maximise every possible opportunity and avoid the common mistakes. Why invest Islamically? When you make a inancial investment, you are also making an investment in the type of future you want. This is at the heart of Islamic investments. Do you want to invest in a world with more Alcohol, Tobacco and poker machines, or a world with more clean energy, afordable medicine and natural resources? The good news is, you can invest in posiive aciviies and enjoy a good inancial return by invesing Islamically with Hejaz. We avoid companies involved in:? Did you know? Personal contribuions to superannuaion by an eligible person such as a selfemployed person can be claimed as an income tax deducion. Why pay extra tax when you can contribute it to your reirement savings? Do you have lost or unclaimed superannuaion? We can conduct a comprehensive search for all super amounts under your name and consolidate them into one account for free.

7 The Hejaz Safety Net. Hejaz considers the security of its clients' funds to be of paramount importance and as such, all clients funds are held on approved superannuaion/investment plaforms in the clients name which provides a secure and safe environment. All clients receive a PIN Code and Username to have online access to track all their investments and transacions under their account. This will provide all clients with a peace of mind. Good investments in areas such as: Even more reasons to choose Hejaz Islamic Super. Direct access to investment Specialists Discounted Tax returns and Accouning Services Invitaion to annual gala dinner 24/7 Online access to your Super & Investments via our Portal Complimentary Superannuaion Consolidaion Complimentary general inancial advice 7

8 Financial Planning Financial planning advice helps you make decisions about your hard-earned money and how to get the most out of it regardless of how much or how litle you have. A inancial adviser helps you consider your personal inancial situaion, your goals or needs and then recommends a inancial strategy designed just for you. The importance of geing advice. We believe that inancial advice should be available to everyone who needs it. We also believe that geing good inancial advice is important at every stage of your life, not just when you are about to reire. So important in fact, we have a low cost inancial advice service, to make it as afordable as possible for all of our members. Wealth Accumulaion & Management. Financial independence is something many strive for, and at Hejaz we have been helping our clients achieve it for many years. From our experience and wealth of knowledge, we understand the ime and efort required to accumulate wealth, and are commited to working as irelessly as you to help you reach your goal. Reirement Planning. At Hejaz, we believe that an enjoyable reirement is a just reward for years of hard work. Just as working hard will pay of in the future, we can help you plan your reirement so that when it arrives, you can enjoy it as you deserve to. Whatever your reirement goals, our expert advice and dedicated service can help you achieve them. Do you have your Estate Plan in order? Do you know if you have the right structures in place to ensure your assets are distributed according to your wish upon your death?

9 Wealth Protecion. At Hejaz, our clients are our priority, and we understand how important your livelihood, health and income are in assuring your inancial security. Wealth protecion ensures that you are able to provide for your family in imes of need and that any assets that you have worked hard to build are not diminished in the event of a short term setback from illness or injury. There is no set value on livelihood and the ability to provide for your family, but at Hejaz we understand the impact it would have if your income was to stop due to unforeseen circumstances. Expert Advice Tailored Soluion Lasing Relaionship How does it work? Investment Flexibility Through geing to know you, your situaion and your inancial aims, we will develop a personal plan tailored to your needs.? Firstly, we meet to discuss your inancial situaion and objecives. Most clients use this opportunity to get advice about other inancial areas well. Next, we idenify your inancial objecives, seing clear goals of where you want to be and formulaing a plan. Finally, we implement strategies, acions and investments to ensure you meet these goals. Our specialist team are well experienced in invesing and will work with you to incorporate a range of investment strategies into your inancial plan. 9

10 Islamic Cash Investment Do you have surplus savings in your bank account and wish to relax and watch them grow through halal and ethical investment opportuniies? At Hejaz, we have a range of products that will help you invest your savings and grow your money. We ve been working with customers for years now, helping them to access halal investment opportuniies. Deciding where to invest your money can be a diicult decision and is oten dependent on a range of circumstances e.g. your current situaion, short term goals, and long-term plan. Our qualiied inancial planners and Islamic investment advisers can assist you in making these decisions. To assist clients in the process of wealth creaion, we ofer automaic direct debit opions on a monthly basis so that they can contribute regularly to their investment account. Clients also have the opion of deposiing funds into their investment account whenever they want. Minimum Investment amount: $, No minimum term of investment No lock-in contract Hejaz proposes to saisfy any withdrawal requests within days of receipt of a writen withdrawal request. Funds will be paid to Hejaz Financial Services proposes to satisfy any withdrawal requests within your nominated 30 bank days account. of receipt of a written withdrawal request. Funds will be paid to your Online login to track your investments /7 nominated bank account 10

11 Accouning Since it s establishment, Hejaz Accouning has enabled individuals, families and businesses to develop inancial success, security and peace of mind through our expert accouning services and inancial business advice. We are a pracice with clients who value close relaionships and direct contact with their accountant. Self Managed Super Fund With our help you can take control of your own superannuaion investment through a Self Managed Superannuaion Fund SMSF. Establishing individual SMSF and Corporate SMSF Administraion of your SMSF Annual Tax return and Audit of SMSF Advice with SMSF strategy and compliance Tailored Investments for your SMSF Taxaion reducion strategies Some beneits of a SMSF Take back total control of your Super Manage up to 4 members' Super in one SMSF Save fees on managing your Super Efecive tax management Taxaion Most individuals who are employed, in business, or own income producing investments need to lodge an Income Tax Return with the Australian Taxaion Oice ATO. This can be done electronically and directly through our oice. This return reports to the ATO your taxable income to ensure that you have paid suicient tax on your earnings. If you have overpaid tax, you will be enitled to a tax refund. Tax returns for individuals, companies, trusts Online tax returns via Hejaz Website BAS services Bookkeeping Audiing Financial Statements 11

12 ^ Islamic Loans - Compeiive with the Banks. Hejaz Finance presents to the Australian Muslim Community a premium loan facility. Prepared by Islamic Finance specialists and Credit professionals, Hejaz Finance have pioneered an industry leading product. This product meets the most stringent Sharia benchmarks and criteria whilst becoming the only Islamic Loan product that focuses on compeing with the banks. New & Existing Home Purchase Investment Property Purchases House & Land Packages Land Only Purchases Reinance Construction Priced To Compete With The Banks Fixed Repayments No Waiing Period Hour Pre-Approval* Quick, Simple, Convenient 12 * Depending on Customer s inancial circumstances and type of inance required. ^ Condiions Apply

13 Our World Class Sharia Compliance At Hejaz Financial Services, we employ a -ier Sharia governance process to ensure the Sharia compliance of our services. We begin by subscribing to the leading Sharia Standards sipulated by AAOIFI. Thereater, we engage the services of IdealRaings to ilter the investment universe so that we are let with only Sharia Compliant investments to populate our clients porfolios. Lastly, we have appointed a renowned global Sharia Board, GIFS, to oversee our Sharia governance process and to Audit us periodically to ensure that the highest standards of Sharia compliance are upheld. 1 Our Principles The Accouning and Audiing Organizaion for Islamic Financial Insituions AAOIFI is an Islamic internaional autonomous non-for-proit corporate body that prepares accouning, audiing, governance, ethics and Sharia standards for Islamic inancial insituions and the industry. 2 Our Global Sharia Board Global Islamic Financial Services Firm propriety limited GIFS is a South Africa based company specialised in providing Sharia Advisory services, supervision, Sharia audiing and human capital development. GIFS provide a superb quality of Sharia advisory and training to Financial Insituions who wish to ofer for Islamic Financial Products to their clientele. They ofer a diverse range of customised and tailored Sharia Consultancy Services which are seamlessly integrated into pracical soluions that suits their clients complex and diverse business needs. Their advisory board comprises of experienced scholars and inancial experts who bring their experise and insight to meet the client s needs. 3 Our Investment Screening IdealRaings, Inc. is a world class provider of inancial research and data. With its extensive experience in fund management and research, IdealRaings has developed a number of soluions to cater to the diferent needs of asset managers across the globe. IdealRaings launched its lagship product; Sharia compliant asset management services, which was a true breakthrough and has indeed taken the industry to the next level. 13

14 Specialists Services Medical Professionals High Net Wealth Investments Advice Personalised Porfolios Family Oice We re a bouique irm of experienced advisers helping people all over Australia achieve their personal & business inancial goals. Whether you are looking to increase or protect your wealth, plan for reirement, require specialist porfolio advice, a medical professional, or overall advice & direcion across the board we ve got the experience and know how to help you. To book an appointment with one of our specialists, please call

15 The Hejaz Family The Hejaz brand is the largest conglomerate of Islamic Financial services ofered in Australia. Servicing the whole of the Australian Muslim community, Hejaz has established itself as the trusted and premier brand. 15

16 Victoria Thomastown Melbourne CBD New South wales 9 info@hejazfs.com.au Liverpool Bankstown Parramata The informaion contained in this booklet is not advice and is intended to provide general informaion only. It does not take into account your individual needs, objecives, or personal circumstances.