Australia’s first dedicated super fund that invests
in accordance with Islamic investment principles.
B
About Crescent Wealth
Crescent Wealth is Australia’s first
dedicated Islamic Wealth manager,
offering superannuation that is based
on Islamic investment principles.
As a pioneer with specialist
expertise in a dynamic new sector,
we offer all Australians an
attractive alternative to socially
responsible investing.
Plan for this life,
t
and the next.
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SUPERANNUATION OR SUPER IS A COMPULSORY LONG-TERM
SAVINGS PLAN THAT HELPS YOU SAVE FOR YOUR RETIREMENT.
Your employer pays 9.5% of your salary into a super fund nominated by you.
The Australian Government has determined this to rise to 12% over the coming years.
You have the right to choose the investment option for your super that best meets
your needs, ethical principles and expectations.
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The reality of superannuation today is that an average (balanced) investment
option invests at least 23% of your super into Riba/interest, with the remainder
of your superannuation invested without any regard to Islamic investment
principles.
The reality is that your super is likely to be invested in companies that produce
or market alcohol, armaments, tobacco, or adult materials amongst other
socially detrimental activities prohibited by Islamic investment principles.
Where is your money going?
Riba/Interest
War Weapons
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Alcohol
Tobacco
Media
Gambling
Pig Products
Australian Tax Office - March 2013
Crescent Wealth estimates based on the Association of Superannuation Funds of Australia – Superannuation Statistics 2016
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CRESCENT WEALTH IS AUSTRALIA’S FIRST ISLAMIC WEALTH MANAGER.
WE INVEST IN ACCORDANCE WITH ISLAMIC INVESTMENT PRINCIPLES
AND ENSURE YOUR MONEY IS INVESTED IN THE RIGHT PLACE.
Islamic investment principles, also referred to as Sharia investment principles, refer to an investment
philosophy that differs substantially from the conventional approach to investments.
It represents an investment philosophy to pursue the wider objective of Sharia – the establishment of
fairness and justice for all in business and commerce.
We invest your super savings with experienced investment managers from Australia and abroad. We
invest across a diversified portfolio of Australian shares, international shares, property, Islamic-bank
deposits and Islamic bonds (also known as Sukuk). As part of our investment approach, we filter out
socially detrimental activities and avoid investments involving the payment and receipt of interest.
Examples of areas we invest in:
Natural
Resources
Manufacturing
Halal Cash
Utilities
Telecommunications
Property &
Infrastructure
Clean
Technology
Healthcare
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Crescent Wealth adheres to the Islamic investment principles as set by the globally recognised
Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI). In addition, we have
appointed Dar Al Sharia as our Sharia Supervisory Board to advise and guide Crescent Wealth
on all matters relating to Islamic investment principles. Finally, we also subscribe to the services of
IdealRatings to research and determine which investments meet Islamic investment principles.
We adhere to the
globally recognised standard
for Islamic investment principles.
We have an appointed
Sharia Supervisory Board
of international scholars
on Islamic Finance.
We subscribe to the services of
the most trusted Islamic investment
research firm for some of the world’s
leading financial institutions.
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Crescent Wealth has brought together experienced investment teams and Islamic banks
from Australia and abroad to manage the retirement savings of the members of the
Crescent Wealth Super Fund.
We currently invest cash deposits with the internationally awarded CIMB Islamic Bank,
Australian shares with DMP Asset Management, international shares with Saturna Capital,
and in diversified commercial property with Freehold Investment Management.
BENEFITS OF JOINING
Know your wealth is always invested Islamically
Help you find and combine your Super
Competitive fees
24x7 Online access to your account
Join quickly and easily online
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The Crescent Wealth Super Fund proudly offers competitive ongoing management fees
between 1.415% and 1.915% p.a. (depending on your investment choice) plus $1.62 per week
for administration costs.
Furthermore, unlike many other funds, there are no upfront contribution fees,
no establishment fees, no withdrawal fees and no termination fees for closing your account.
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We take the protection of your financial well-being very seriously
and as such, Crescent Wealth has a comprehensive regulatory
framework in place to safe guard your super.
- The Crescent Wealth Super Fund (CWSF) is registered under
the Australian Prudential Regulation Authority (APRA).
- The CWSF has Diversa Trustees Limited as the independent
Trustee who is responsible for the compliance and operations
of the fund.
- RBC Investor Services, as custodian, is an independent
institution that holds securities on behalf of the CWSF for
safekeeping so as to minimise the risk of theft or fraud, and
which is a legal requirement upon any super fund you choose.
The Trustee of the CWSF (Diversa Trustees Limited) holds both an Australian Financial
Services Licence – AFSL: 235153 (issued by ASIC) and a Registrable Superannuation Entity
Licence RSE: L0000635 (issued by the Australian Prudential Regulation Authority - APRA).
In addition, the CWSF has been registered with APRA and has been given the Fund
Registration Number R1075182.
The CWSF Australian Business Number (ABN) is: 71 302 958 449.
For more information about the Crescent Wealth Super Fund and applicable
investment risks, please see the Product Disclosure Statement available at
www.crescentwealth.com.au/super.
You may also contact Crescent Wealth directly on 1300 926 626 or alternatively
by e-mail at info@ crescentwealth.com.au.
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CRESCENT WEALTH IS A PROUD SUPPORTER OF AUSTRALIAN
COMMUNITIES AND A PASSIONATE BELIEVER IN THE IDEA OF
PROSPERING COLLECTIVELY.
That is why we continue to establish community partnerships with the aim to develop ideas
that will drive lasting social impact, can be sustained and may be replicated across regions
to benefit every facet of Australian communities for years to come.
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PLEASE CONTACT
CRESCENT WEALTH
1300 926 626
[email protected]
www.crescentwealth.com.au
Contact us
1300 926 626
+61 2 9696 9800 (outside Australia)
[email protected]
www.crescentwealth.com.au
Level 6
Level 6
Brisbane
Level 18
71 Macquarie Street
330 Collins Street,
123 Eagle Street,
SYDNEY NSW 2000
MELBOURNE VIC 3000
BRISBANE QLD 4000
Sydney
International
Offices in:
Dubai &
Kuala Lumpur
Important Notice
This document is based on our understanding of the laws and regulations as at 05 October 2016.
This brochure is for informational purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of
any investment product or security.
This brochure does not take into account the investment objectives, financial situation or particular needs of any particular person.
Investors should obtain individual financial advice based on their own particular circumstances before an investment decision on the
basis of this communication or brochure. You must read the Product Disclosure Statement for the Crescent Wealth Superannuation
Fund before investing. Please visit www.crescentwealth.com.au/super for the latest copy.
The Crescent Wealth Superannuation Fund (ABN 71 302 958 449) is issued by the Trustee of the Fund, Diversa Trustees Limited
(ABN: 49 006 421 638 AFSL 235153). Crescent Wealth Funds Management (Aust) Ltd. (ABN 32 144 560 172 AFSL No: 365260) referred to
in this brochure as “Crescent Wealth” and is licensed to deal and offer interests in the Fund.
Copyright © 2016 Crescent Wealth Funds Management (Aust) Ltd. All rights reserved.