Guide
22 articles tagged “Guide”
PRS Shariah Funds in Malaysia (2026): Retirement Saving Beyond EPF
How Shariah-based Private Retirement Schemes work, the Public Mutual and Principal shelves compared, and the honest fee math against EPF's zero cost.
EPF Simpanan Shariah (2026): The Complete Guide
How EPF's Shariah savings election works: the Wakalah akad, the one-way switch, and the full dividend history from 2017 through the 2024 and 2025 declarations that matched conventional.
Halal Retirement Planning in Malaysia (2026): The Complete Playbook
The full stack in order: EPF Simpanan Shariah, nomination, PRS Shariah, private halal investing, takaful protection and the wasiat. What to do first and why.
Tabung Haji (2026): The Complete Guide, Including the Hard Years
How Tabung Haji works: the Wakalah savings, the government guarantee, hajj registration, the full hibah history from the 1.25% trough to 3.50%, and the governance story told straight.
Zakat on EPF and Tabung Haji (2026): What the Fatwa Bodies Actually Ruled
TH pays zakat on savings centrally. EPF does not, and the obligation follows access to the money. The documented rulings, state by state nuances, and a practical checklist.
Zakat on Investments in Malaysia (2026): Shares, Funds, Robos and Gold
How zakat applies to your halal portfolio: the 2.5% rule, nisab and haul, the trading versus long-term distinction for shares, and what fund platforms do and do not handle for you.
Dividend Purification in Malaysia (2026): Who Purifies, When, and How
Malaysian fund investors mostly get purification done for them by fund mechanics. Direct stock investors and conventional EPF members do not. The complete map of who owes what.
Halal Investing in Malaysia (2026): The Complete Guide
Malaysia has the deepest halal investing infrastructure in the world: SC screening, six fund houses, five Islamic ETFs, two robos and a statutory Shariah retirement account. How it all fits together.
Sukuk for Retail Investors in Malaysia (2026): The Realistic Routes
Malaysia is the world's sukuk superpower, but retail access runs through funds, not bond desks. How sukuk work, what the funds cost, and where they fit.
How to Verify a Shariah Fund in Malaysia (2026): The Ten-Minute Checklist
Who names their scholars, who names a firm, and who names nobody: the verification method we use on every Malaysian halal investment product, and what we found.
Islamic Home Financing in Malaysia (2026): The Complete Guide
Contracts, margins, ceiling rates, Ibra and the printed prices banks would rather you did not compare. Everything a Malaysian buyer needs before signing a home financing-i offer.
First-Time Buyer Islamic Home Financing in Malaysia (2026): Zero-Deposit Routes That Actually Exist
SJKP guarantees, Skim Rumah Pertamaku at 110%, a first-home scheme for under-40s and green preferential rates. The verified paths for Malaysians buying a first home the halal way.
Islamic Home Refinancing in Malaysia (2026): Rates, Stamp Duty Waivers and the Conventional-to-Halal Switch
Bank Islam prints 3.55% on refinancing. OCBC waives 100% of stamp duty when you leave a conventional loan. Maybank pays you to convert. How to run the switch properly.
Islamic Car Financing in Malaysia (2026): The AITAB Guide
Lease first, own later: how Al-Ijarah Thumma Al-Bai actually works, which banks print their rates (one does), and how to negotiate when the rest make you ask.
StashAway Shariah Global Portfolio (2026): The Complete Guide
StashAway's Shariah Global Portfolio is a Masryef-endorsed halal corner of a conventional robo: 0.2% to 0.8% fees, no minimum, global reach. How it works and where the edges are.
How to Start Halal Investing With RM100 a Month (2026)
RM100 a month is enough to start investing halal in Malaysia in 2026. The exact platforms that accept it, the fee traps at small scale, and the plan that survives real life.
Islamic Banking in Malaysia (2026): The Complete Guide
Sixteen-plus licensed Islamic banks, separate PIDM cover, printed rates that beat the myths and contracts worth understanding. Everything you need to bank halal in the world's most developed Islamic market.
Islamic Estate Planning in Malaysia (2026): The Complete Guide
Faraid, wasiat, hibah, nominations and trusts: how the pieces of Malaysian Islamic estate planning fit together, and the three providers who build the documents.
Wasiat Writing in Malaysia (2026): Why, How and With Whom
Why every Malaysian Muslim adult needs a wasiat, what the one-third rule really allows, and how AmanahRaya, as-Salihin and Wasiyyah Shoppe differ as writers.
Hibah as an Estate Planning Tool in Malaysia (2026)
Hibah moves assets outside faraid entirely, which makes it the most powerful and most misunderstood instrument in Malaysian Islamic estate planning. How it works and when to use it.
Faraid Explained: Who Inherits What in Malaysia (2026)
Faraid allocates fixed shares to defined heirs, excludes people you may consider family, and fragments property. How the shares work and what planning can and cannot change.
How to Switch From Conventional to Islamic Banking in Malaysia (2026)
Deposits move in an afternoon, cards take a statement cycle, and your mortgage is the big decision. A practical sequence for moving your financial life to Islamic banking, with the printed incentives that pay you to do it.