Step 1: Check Your Current Super Fund
Start by finding out:
which super fund you’re with
your current balance
your investment option
whether you have more than one super account
You can usually find this through your super fund portal, myGov or your latest super statement.
This gives you the starting point before you compare anything else.
Step 2: Review Your Investment Option
Your investment option determines how your super is currently invested.
Common options include:
Balanced
Growth
High Growth
Conservative
Ethical
Cash
For Muslims, this matters because many standard investment options may include exposure to:
interest-based finance
conventional bonds
gambling
alcohol
heavily debt-based businesses
Most Australians never actively choose their investment option, they simply remain in the default option for years.
Step 3: Review What Your Super Actually Owns
Most super funds publish:
top holdings
sector allocations
asset allocations
investment reports
Look through whether your super has exposure to industries or structures that may not align with Islamic principles.
You do not need to understand every investment immediately.
The goal is simply gaining more visibility into where your money is actually going.
Step 4: Review Fees And Insurance Before Switching
Before moving or consolidating super, review:
administration fees
investment fees
insurance premiums
life insurance
TPD cover
income protection
This step is important because changing super funds can sometimes affect insurance attached to your current account.
Never cancel or transfer without understanding what benefits may be impacted.
Step 5: Understand What A Halal Super Strategy Looks Like
Once you understand your current setup, the next step is understanding what a more halal-aligned approach may involve.
A halal super strategy generally focuses on:
Sharia screening
reducing exposure to interest-based investments
avoiding prohibited industries
diversification
long-term portfolio management
ongoing compliance reviews
At Halal Superannuation & Investments, portfolios are backed by Granada Wealth Advisory and managed using Hub24, one of Australia’s leading investment and portfolio administration platforms.
This helps provide:
clearer portfolio visibility
professional oversight
transparent reporting
ongoing portfolio management
Step 6: Fill Out The Quick Start Form
Once you feel ready to explore your options further, the easiest next step is filling out the Halal Superannuation & Investments Quick Start Form.
This helps the team understand:
your current super setup
whether you have multiple accounts
your goals and concerns
what type of support you may need
The form is designed to make the process simpler and more personalised rather than overwhelming.
Step 7: Jump On A 1:1 Call To Review Your Current Setup
After reviewing your information, the team can walk you through:
your current super structure
possible non-compliant exposures
fees and insurance considerations
halal investment pathways
what switching may realistically involve
For many people, this is the first time their super has ever been explained clearly in plain English.
The goal is not pressure.
It’s helping you understand your options properly before making decisions.
Book your 1:1 Superannuation Review Session with a Halal Superannuation & Investments Specialist.
Step 8: Decide On The Right Transition Approach
Not everyone switches the same way.
Depending on your situation, you may decide to:
switch fully
transition gradually
redirect future contributions first
consolidate old accounts
keep existing insurance temporarily
The right approach depends on your:
current setup
insurance needs
financial goals
age
risk tolerance
This is why personalised guidance matters.
Step 9: Review Your Strategy Regularly
Switching once is not the end of the process.
Markets change. Companies change. Your life changes too.
Your strategy should be reviewed regularly to check:
performance
fees
insurance
compliance alignment
whether your portfolio still suits your goals
Because halal investing is not just about making one change.
It’s about building long-term clarity and confidence around your wealth.
Ready To Take The First Step?
If you’ve never properly reviewed your super before, you’re not alone.
Our 1:1 Superannuation Review Sessions are designed to help you better understand:
where your money is currently invested
how your super is structured
potential halal investment pathways
what changes may make sense for your situation
Simple guidance. Clear explanations. No confusing jargon.
Start by filling out the Quick Start Form and booking your 1:1 call with the Halal Superannuation & Investments team.
Disclaimer:
This article has been prepared by Halal Superannuation & Investments (HSI) and is intended to provide general information of an educational nature only. It does not take into account your objectives, financial situation, or needs and should not be relied upon as personal financial advice.
Any views expressed are general in nature and may not be suitable for your individual circumstances. Before making any financial decisions, you should consider whether the information is appropriate for your situation and seek independent professional advice, including financial, legal, and tax advice where appropriate.
While every effort has been made to ensure the information contained in this article is accurate and up to date at the time of publication, information may change and HSI makes no representations or warranties as to the ongoing accuracy or completeness of the content.
No part of this article may be reproduced, distributed, or copied without prior written permission from Halal Superannuation & Investments.
Halal Superannuation & Investments works in partnership with Granada Wealth Advisory, an Australian Financial Services Licence holder (AFS 384713). For further information about our services, including our Financial Services Guide and how advice is provided, please visit granadawa.com.au or contact our team directly.
