September 2025 Market Overview – Halal Investing Through Shifting Winds

September brought a renewed test of conviction for global investors. As inflation pressures re-emerged in key Western economies and central banks adopted diverging paths, markets oscillated between optimism and caution. Yet for the discerning Muslim investor, this was a month to reaffirm balance - between dunya and akhirah, prudence and tawakkul.

At Al-Wadhiah, our approach remained grounded in Shariah discipline and long-term stewardship. We navigated volatility not by chasing momentum, but by holding firm to faith-based fundamentals: transparency, tangible value, and ethical growth.

Global Financial Highlights – September 2025

1: Equities – Rotation Toward Real Value
As speculative technology names corrected, attention shifted back to value-driven, asset-backed companies. Our Shariah portfolios leaned into defensive sectors: healthcare, logistics, and halal consumer goods, providing stability and dividends rooted in real economic activity.

2: Real Assets – Safe Haven in Tangibility
Real estate markets across the GCC and Southeast Asia continued to attract Shariah-compliant capital. Rising global rent yields and resilient occupancy rates underscored investors’ appetite for income-generating, non-leveraged assets. Al-Wadhiah expanded its property partnerships in Malaysia and the UK to capture this halal momentum.

3: Commodities – The Rebalancing Phase
Oil prices steadied after a summer surge, while gold regained appeal as a store of value amid policy uncertainty. Agricultural commodities remained firm, driven by climate risks and global demand for staples, sectors inherently aligned with halal investing’s focus on essentials and sustainability.

4: Currencies & Indices – The Strength of Patience
The U.S. dollar moderated as emerging market currencies found footing. Our halal currency strategies emphasised preservation over speculation, adhering strictly to Shariah prohibitions on riba and leverage, ensuring investors’ exposure remained ethical and balanced.

Halal Investing in September: Lessons in Resilience

– Tangible, ethical assets continue to anchor portfolios.
– Halal investing thrives through discipline and integrity.

How Al-Wadhiah Protected and Positioned Your Portfolio

• Prudent diversification into real, halal-backed sectors
• Continuous Shariah screening by our advisory board
• Monthly investor transparency dashboards and reports
• Integration of zakat purification and ethical re-investment

Zakat, Da’wah & Your Wealth’s Legacy

This September, Al-Wadhiah deepened its mission beyond returns — directing portions of halal profits toward impactful initiatives through our partners at aYmab:

• Funding Islamic education programs and dawah outreach
• Supporting sustainable development in underserved regions
• Ensuring every gain contributes to both worldly growth and eternal reward

Faith Meets Finance

“And whatever you spend in good, it will be fully repaid to you, and you will not be wronged.”
— Surah Al-Baqarah (2:272)

The Prophet ﷺ said:
“Wealth is not in having many possessions, but wealth is in contentment of the soul.”
— Sahih al-Bukhari

Choose Al-Wadhiah.
Your trusted partner in halal investing, where every decision is ethical, regulated, and Shariah-compliant.