đ Islamic Wealth Management: Faith, Evidence, and Prosperity
"None of you truly believes until his desire follows what I have brought." â Sahih Muslim
"Indeed, in the creation of the heavens and the earth... are signs for those of understanding." â Qur'an 3:190
Our Belief:
Faith must follow reason. We don't issue fatwas or run a council. Instead, we rigorously apply a transparent set of Shariah compliance criteria to pre-certified products and only offer what aligns 100% with both law and ethics.
Our Approach: Cutting Through the Red Tape
As Muslims, we've grown frustrated with the endless bureaucracy in Islamic finance. Too many councils, contradictory fatwas, and excessive feesâall while the fundamental principles remain the same across the board.
At GPOD, we take a different approach. We don't reinvent the wheel by issuing new fatwas. Instead, we verify products already certified by recognized authorities and then apply our rigorous checklist to ensure they truly meet Islamic standards.
This common-sense methodology cuts costs, eliminates confusion, and delivers better results for youâall while maintaining the highest standards of Shariah compliance. No compromises, just clarity.
â GPOD Compliance Framework
| Traditional Providers | GPOD Wealth |
|---|---|
| Internal Shariah Board | Independent vetting model |
| Costly certification | No added fatwa fees |
| Proprietary opinions | Evidence-based criteria |
| Limited transparency | Auditable methodology |
| Variable compliance levels | Standardised checklist enforcement |
| One-time certification | Ongoing lifecycle monitoring |
Our 10-Point Methodology
We chose this methodical approach because it removes the ambiguity and inconsistency that plagues Islamic finance. By applying a transparent, evidence-based framework to pre-certified products, we ensure complete Shariah compliance without unnecessary complexity or cost. This method allows us to be clear, consistent, and thorough in our evaluation while delivering better results for clients.
No involvement in interest-bearing activities. All returns must come from trade, risk-sharing, or leasing â never from guaranteed debt-based instruments.
"Allah has permitted trade and forbidden interest."
â Qur'an 2:275
Contracts must avoid ambiguity, deception, or unclear outcomes. We assess all terms for transparency, ensuring full disclosure of rights, responsibilities, and risks.
"The Prophet īˇē prohibited the pebble sale and the gharar sale."
â Sahih Muslim
We exclude speculative activities like gambling, high-frequency trading, and binary options that rely on chance rather than value creation.
"They ask you about wine and gambling. Say, 'In them is great sin and yet some benefit for people. But their sin is greater than their benefit.'"
â Qur'an 2:219
Money must be invested in tangible assets like property, goods, or services. This ensures real-world value is created and not synthetic speculation.
"O you who believe, do not consume one another's wealth unjustly, but only through lawful trade by mutual consent."
â Qur'an 4:29
We exclude all investments related to alcohol, pork, pornography, weapons, conventional banks, and unethical industries.
"Help one another in righteousness and piety, and do not help one another in sin and transgression."
â Qur'an 5:2
Every solution must be accompanied by a certificate from globally recognised Shariah compliance boards and institutions.
"Ask those who know if you do not know."
â Qur'an 16:43
We align with the higher objectives of Shariah â economic justice, wealth circulation, preservation of rights, and community upliftment.
"We have not sent you except as a mercy to the worlds."
â Qur'an 21:107
Each investor must hold verifiable ownership in the underlying asset or business. No synthetic exposure, debt layering, or unclear custody chains.
"The Prophet īˇē forbade selling what is not in your possession."
â Sunan Abu Dawud
We favour contracts that share returns and risks fairly â such as Mudarabah (investment partnership) or Musharakah (joint venture).
"The Prophet īˇē said: Allah says, 'I am the third of two partners as long as one does not betray the other.'"
â Sunan Abu Dawud
We review each product quarterly and immediately flag structural changes, expired fatwas, or red flags. Our system monitors live updates.
"O you who believe, be steadfast maintainers of justice, witnesses for Allah."
â Qur'an 4:135
đ Certificates from Trusted Shariah Boards
Shariyah Review Bureau
Murabaha + Ijarah Certification
Authority: One of the largest Shariah advisory firms globally
Products Covered: Murabaha financing products, Ijarah leasing structures
Validity: Renewed annually with quarterly audits
Process: Full documentation review, contract analysis, and operational audit
Significance: Gold standard in GCC countries, recognized by AAOIFI
Amanie Advisors
Sukuk Structure Approval
Authority: Leading global Shariah advisory firm with offices in major financial centers
Products Covered: Sukuk investments, Islamic capital market instruments
Validity: Three-year certification with annual compliance reviews
Process: Comprehensive structure review, cash flow analysis, documentation screening
Significance: Recognized by global sukuk issuers and investors worldwide
Al Qalam Panel
Retail Investment Guidance
Authority: UK-based Shariah advisory panel specializing in retail finance
Products Covered: Retail investment products, pension funds, ISAs
Validity: Continuous monitoring with bi-annual reviews
Process: Product screening, ethical filtering, documentation analysis
Significance: Most widely recognized UK authority for retail Islamic financial products
AAOIFI
Standard Compliance Verification
Authority: Accounting and Auditing Organization for Islamic Financial Institutions
Products Covered: All Islamic financial structures and accounting practices
Validity: Standards-based assessment with annual compliance verification
Process: Rigorous standards compliance, documentation verification, operational review
Significance: Global gold standard for Islamic finance structures and practices
ISRA
Research Based Validation
Authority: International Shariah Research Academy for Islamic Finance
Products Covered: Innovative Islamic financial products and research validation
Validity: Research-based certification with continuous academic oversight
Process: In-depth research analysis, comparative fiqh studies, industry benchmarking
Significance: Highest academic authority in Islamic finance research and development
IFSB
Regulatory Standards Compliance
Authority: Islamic Financial Services Board, Malaysia
Products Covered: Regulatory frameworks, risk management practices, governance
Validity: Regulatory standard compliance with periodic reviews
Process: Regulatory assessment, risk framework evaluation, governance review
Significance: International standard-setting organization for Islamic financial services industry
â Frequently Asked Questions
đ Certification & Compliance
All products are certified by external Shariah boards such as Amanie Advisors and Shariyah Review Bureau. We only list investments with proven halal status.
Yes. Every product includes a downloadable Shariah certificate from its certifying body.
We apply a 10-point checklist covering riba, gharar, maysir, asset-backing, ethical sectors, and Maqasid alignment. See our methodology section for details.
No. We use decentralised verification by globally recognised firms to ensure objectivity.
Yes. As long as they adhere to AAOIFI or IFSB standards.
The product was certified before we onboarded it. We then apply our criteria on top.
No. GPOD never charges clients or providers for fatwa access or certificates.
Yes. Submit the product and its fatwa via our vetting form.
A structured, transparent model ensuring zero riba, zero ambiguity, and full ethics alignment.
Annually or upon any structural change to the product or provider.
Quarterly checks and real-time monitoring systems ensure continued adherence to Islamic principles.
No. We rely on existing rulings from respected boards and only apply our objective checklist.
đŧ Investor Access
Yes. These are ethical, responsible investments open to all.
Typically from ÂŖ100, but varies by product.
Yes. ISA, SIPP, GIA options are available on certified funds.
Yes. Recurring halal contributions are encouraged.
Yes. Net clean dividends are distributed quarterly in most real asset portfolios.
Each fund has its own liquidity terms, always disclosed.
Yes, in most cases. We offer Zakat calculators.
Yes. You can allocate earnings to new or existing halal funds.
No. Returns are variable and tied to halal contracts like Ijarah or Musharakah.
Through the GPOD dashboard: real-time summaries, profit tracking, and halal alerts.
Some products are fixed-term while others are more liquid. We disclose all terms upfront.
Yes. Auto-reinvestment options are available for many funds with zakat tracking tools.
We offer Shariah-compliant tax wrappers including ethical SIPPs, zakat-eligible pensions, and future ISA options.
đą Ethics & Maqasid
The higher objectives of Islamic law: protection of faith, life, intellect, progeny, and wealth. All our investments must align.
Yes. From housing to infrastructure, everything must benefit society.
Absolutely. No alcohol, arms, gambling, or unethical banks are allowed.
We use sector filters, business conduct scoring, and annual board reviews.
Yes. Dividends with mixed income are automatically purified.
Yes. You may allocate surplus or haram income to pre-approved Sadaqah channels.
Yes. ESG and Shariah overlap significantly. Green sukuk, energy funds, and social housing are popular options.
Yes. Microfinance, fintech inclusion, and local jobs are favoured criteria.
We delist it, notify clients, and provide switch guidance.
No interest, no ambiguous debt, full transparency, and ethical screens from day one.
Yes. We align with globally accepted guidelines from the Accounting and Auditing Organization for Islamic Financial Institutions.
Any non-permissible income (e.g. bank interest exposure) is identified and recommended to be donated to charity. This ensures full halal integrity.
We eliminate exposure to haram sectors: alcohol, gambling, pork, weapons, and interest-based finance.
đ¸ Returns
Not necessarily. Many perform competitively or better, due to asset-backing and market discipline.
No. Islam prohibits guarantees of profit in advance. You share risk and reward via permissible structures.
Typically between 4%â9% annually, depending on product type (real estate, sukuk, leasing).
Based on actual asset performance, cash flow, and investment term. No speculative multipliers.
Some funds offer built-in safeguards, but guarantees must be structured Islamically (e.g., Wakala-based).
Some funds pay quarterly or annually. Others reinvest profits until maturity. All schedules are disclosed.
Yes. We offer recurring reinvestment options in selected halal portfolios.
Risk is disclosed up front. You may experience lower returns, but no haram bailouts or riba.
Ijarah-based products distribute rental earnings from real property or infrastructure leasing.
Not unless it's structured as a sale-based contract like Murabaha, where profit is pre-agreed but not interest-based.
No. All investments carry risk, and we prohibit guaranteed returns under Shariah law. Instead, we favour risk-sharing models.
Islamic investments often carry lower volatility due to asset-backing, no leverage, and ethical filters â but all risk is transparently disclosed.
You accept the risk of capital loss under Shariah principles. We help you diversify and choose ethically stable assets.
đ Zakat
Yes, if the asset is zakatable (e.g., cash, stocks, tradeable funds). Real estate held for income is not zakatable annually.
2.5% of zakatable assets held for one lunar year. We offer calculators to assist based on your portfolio mix.
Yes. Any incidental haram income (e.g., bank interest residue) is purified via Sadaqah allocation.
Yes. You can opt-in to annual or monthly Zakat plans that auto-deduct and pay to approved charities.
Not while inaccessible. Zakat is due only when funds are in your control (e.g., post age 55 withdrawal).
Yes. You'll be notified based on your Zakat date and portfolio holdings.
You can catch up using our historical Zakat tool and adjust purification accordingly.
You only pay Zakat on current value at your due date, not past peak values.
Yes, if invested in tradeable stock or liquid assets. We help you assess business zakat exposure.
Yes. You can direct it to any registered UK or international Zakat-eligible recipient.
Yes â if your holdings meet the nisab threshold. We provide zakat calculation tools on eligible products.
We offer automated estimates, reminders, and reporting to simplify your obligations each year.
The standard rate is 2.5% of zakatable assets held for one lunar year.
𧞠Islamic Structures
A cost-plus sale agreement. You buy goods/assets and sell them for a known profit margin. Common in commodity, energy, and short-term finance.
An Islamic lease where you rent a tangible asset and pay usage fees, not ownership transfer. Common in infrastructure or real estate.
A profit-sharing contract between capital provider and entrepreneur. Profits are shared; losses borne by investor unless due to negligence.
A joint venture. All parties invest and share profits/losses in proportion to their stake. Used in property development and pooled projects.
Islamic bonds backed by assets. They distribute profit (not interest) from underlying cash-generating activity.
Only in extreme cases and when structured to maintain economic substance and ethical outcomes.
Takaful is a cooperative risk pool, unlike conventional interest-based insurance. It complies fully with Islamic law.
Yes. Each fund clearly states its Islamic contract type so you can align with your preferred framework.
Yes. Every product page includes downloadable documentation and plain-English explanations.
Yes. We simplify Shariah contract mechanics for investors of all backgrounds and expertise.
đ§ Scholars
No. We use a decentralised model and apply an objective internal criteria to third-party certified products.
We collaborate with recognised institutions like Amanie, Al Qalam, Gatehouse, and ISRA.
Yes. Every certificate is publicly issued and typically includes the scholar's name and credentials.
We follow majority opinion using AAOIFI standards to ensure broad compliance across schools of thought.
No. We don't maintain a fixed internal Shariah council to avoid conflict of interest or bias.
In most cases, yes. Where public contact is allowed, we facilitate this upon request.
We only accept scholars vetted and appointed by regulated advisory boards or institutions with known global standing.
Yes. A valid fatwa must include the name, opinion, and endorsement of the issuing scholar or board.
We summarise them when relevant. However, all products must meet our unified criteria.
Yes. If you are a scholar or financial provider, we welcome engagement for transparency and learning.
𧎠Platforms & Technology
Yes. We use UK-based GDPR-compliant cloud hosting, HTTPS encryption, and MFA.
Yes. The platform is fully responsive across phone, tablet, and desktop.
Yes. All infrastructure is UK-based, and aligned with FCA guidance on operational resilience.
Yes. You can export full reports as PDF or CSV, showing income, purification, and Zakat data.
Yes. Optional email or SMS alerts are available for investment performance, Zakat dates, and maturity updates.
Yes. Guardian-controlled and multi-user dashboards are available upon request.
Not yet, but we are exploring it for transparency in real estate records and Sukuk issuance.
Soon. We're building secure API access to accounting tools, banking apps, and CRM systems.
Yes. Our system meets SYSC and DISP regulatory expectations for digital platforms.
Yes. Gabriel AI is built-in to assist clients with halal finance queries in real time.
đĄ Security
Using AES-256 encryption, firewalls, and zero-trust principles. Access is strictly permissioned.
Our protocols isolate client funds with custodians. No investor capital is ever stored internally.
Yes. We partner with ethical hackers and pentest teams every quarter.
Yes. You can enable two-factor authentication and receive secure login alerts via email or text.
Never without consent. Data sharing is limited and always encrypted.
Yes. You control account permissions and can revoke API keys or linked integrations anytime.
Yes. Passwords are hashed and salted using bcrypt. No plain text is ever stored.
We follow SOC 2 and ISO 27001 security frameworks via our infrastructure partners.
Yes. Login and access logs are available in your dashboard's audit section.
Yes. We work with regulated entities and fully comply with UK financial services legislation.
đ§ SIPPs & Tax
Yes. We offer FCA-regulated SIPP wrappers with Shariah-compliant fund access.
Yes. You receive 20â45% tax relief depending on your income. HMRC processes this directly into your pension account.
Yes. We support transfers from employers, SIPPs, and personal pensions into halal portfolios.
Not until funds are accessible (typically age 55). Zakat may apply on accessible sums annually.
Yes. We assist organisations and mosques in setting up halal pension schemes for staff.
Yes. They are covered by FSCS protection up to ÂŖ85,000 under normal rules.
Yes. Nomination is part of the SIPP onboarding. GPOD does not retain death benefit control.
In AAOIFI-certified halal portfolios, sukuk funds, infrastructure assets, and Shariah-screened equities.
Yes. You can take 25% tax-free, and the rest as flexible halal drawdown income.
We disclose all pension and fund fees clearly. There are no hidden charges or riba-linked costs.
đ¯ Ready to Align Your Wealth with Your Values?
Join the UK's most trusted Shariah-compliant investment gateway. Our vetting, transparency, and ethical rigor are unmatched.
đŋ Explore GPOD Wealth