There are several things Hejaz members should consider before the closure deadlines.

You will need another superannuation account to receive future contributions.
For members who specifically selected Hejaz because of its Islamic investment approach, this may mean researching another Sharia-compliant super option rather than simply selecting a conventional super fund.

Once your new superannuation account has been established, provide your employer with the required details so future Superannuation Guarantee and salary sacrifice contributions can be directed correctly.
Do not leave this until the final deadline if it can reasonably be arranged earlier.

Hejaz will need the appropriate receiving fund details to transfer your existing superannuation benefit.
The final deadline currently communicated for providing those details is 12 October 2026.

Changing super funds is not simply an administrative decision.
Your new arrangement can affect how your retirement savings are invested, including your exposure to Australian and international shares, property, fixed income, cash and other investments.
If maintaining Sharia compliance is important to you, the underlying investments and Sharia governance of the alternative should also be considered.

You may have insurance associated with your existing superannuation arrangement.
Before making changes, consider what cover you currently hold and what will happen to that cover.

Personalised Financial Strategies

There is no single financial strategy suitable for everyone. Your recommendations should reflect your financial circumstances, objectives, investment preferences, timeframe and tolerance for risk.
Our advice process is designed around those individual factors rather than applying the same strategy to every client.
Financial decisions made today can influence your position for many years.
Professional financial advice can help you understand your options, identify potential risks and opportunities and develop a structured approach towards your financial objectives.

What Is Sharia-Compliant Investing?

Sharia-compliant investing is an approach to investing that considers Islamic principles when determining which companies, industries and financial structures are appropriate for an investment portfolio.
Investment screening commonly considers both the activities of a business and certain financial characteristics.

This may involve avoiding or restricting exposure to businesses substantially involved in activities such as alcohol, gambling, conventional interest-based financial services, other activities considered inconsistent with the relevant Sharia investment methodology.

Financial screening may also consider factors such as a company's level of interest-bearing debt and interest-derived income. Different Sharia screening methodologies and standards can produce different outcomes.
For this reason, it is important to understand the methodology applied to an investment rather than assuming that every product marketed as Islamic or Sharia compliant applies identical criteria.

Seek Financial Advice

Markets change. Legislation changes. Your income, family circumstances and priorities may also change.
Where appropriate, ongoing financial advice and regular reviews can help ensure your strategy continues to reflect your circumstances and long-term objectives.

People seek financial advice for many different reasons.
Depending on your circumstances, this may include:

Sharia-compliant investment strategies
Halal investment options
Superannuation
Sharia-compliant superannuation options
SMSF investment strategies
Retirement planning
Wealth creation
Personal insurance considerations
Estate planning
Ongoing portfolio management

Look for professional guidance before making an important financial decision.
You don't necessarily need to wait until you have accumulated significant wealth before speaking with a financial adviser.
The appropriate time to seek advice depends on your circumstances and the financial decisions you are considering.