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Imagine if the next upgrade was already in your hands
Close your eyes for a moment. Picture your current home. Now imagine a bigger one, maybe a condo with better facilities. What would it take to move there Islamically?
👉 Write down three words that come to your mind. Security, Comfort or Faith. Or maybe Debt, Stress or Risk. Already you are creating your own answer.
If you are unsure where to begin, read through this first reflection.
What Islam actually says about progressing in assets
Before you continue reading, try to fill in these blanks:
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Halal friendly lifestyle insights for Singapore & the Region
Get updates via WhatsApp- Islam permits ______ but forbids ______ in finance.
- Wealth must be passed on according to ______.
Did you answer trade, riba, and faraid If yes, you just reinforced the key teaching.
The Quran says: “Allah has permitted trade and forbidden riba” (2 275). The Prophet ﷺ also said: “The upper hand that gives is better than the lower hand that receives” (Bukhari, Muslim).
In Singapore, MUIS fatwas extend these principles to CPF interest, insurance nominations, and joint tenancy.
👉 Pause here. Write one asset you own — CPF, flat, savings. Then ask: am I handling it Islamically
Not sure how to check MUIS fatwas for your situation Contact our sponsor to review your notes.
The Singapore MUIS framework
Let us test your memory. Which of these has MUIS clarified for Muslims
- CPF interest
- CPF nominations
- Insurance nominations
- Joint tenancy
If you ticked all four, you are right. MUIS said CPF interest is halal as a gift, CPF must follow faraid, insurance nominations can be a hibah, and joint tenancy needs partnership clarity.
👉 Write which one applies to you today. Did you nominate CPF Have you checked your tenancy agreement?
These are the very areas our advisor specialises in. Book a session to confirm your answers.
Step into your own progression ladder
Step 1 – First home
Imagine this Is it your dream HDB flat or just a temporary step? Or a need to upgrade due to family needs? Write your choice.
Islamic rulings allow a concession under need for a first home loan or a necessity where halal options are limited.
If you circled “temporary step,” now is the best time to strategise the upgrade.
Step 2 – Strengthen your base
Draw two columns now,My assets today & Who inherits tomorrow. Fill them in. MUIS fatwas confirm CPF, and insurance must align with faraid.
If your second column is empty, our sponsor can help you complete it lawfully.
Step 3 – Upgrade with caution
Circle the phrase that excites you, bigger house now or smaller debt later. Your circle shows your values.
If you circled both, you need guidance on balance.
Step 4 – Diversify the halal way
List one halal investment you have heard about Shariah fund, sukuk or real estate. That note may become your first research step.
Unsure which are truly halal let our sponsor validate your choices.
Step 5 – Protect and pass on
Write one sentence of a will you would like to leave. The Prophet ﷺ said, it is a duty not to let two nights pass without one.
Our advisor can draft a Shariah aware will for you before those two nights pass.
Hadith: “Not to let two nights pass without a will”
- Sahih al-Bukhari 2738: “It is not permissible for any Muslim who has something to will to stay for two nights without having his last will and testament written and kept ready with him.” Sunnah
- Also discussed in IslamQA: the hadith is used to show the strong encouragement of writing a will promptly. Islam-QA
- In Islamic family sources: “It is the duty of a Muslim who has anything to bequest not to let two nights pass without writing a Will about it.” Islamic Family Tree
These show that the Prophet ﷺ urged believers not to delay making a will if they possess assets or obligations. For more Islamic references, please click here!
Why this matters
By now, you have not just read about asset progression — you have written down words, circled choices, and imagined scenarios. That is the generation effect in action. You created your own answers, which means you will remember them longer and act on them faster.
But a sketch is only the beginning. The Quran, Sunnah, and MUIS fatwas give the framework — your notes today show where you stand. The next step is turning those reflections into a clear plan that protects your family, grows your wealth, and keeps you within Islamic principles.
👉 Do not let these exercises remain on paper. Speak with our advisor to transform them into a real pathway for your home, your CPF, and your retirement.
Call to action
Fey – Reno Realtor, A Trusted Asset Progression Adviser
Fey helps families in Singapore upgrade with confidence from HDB to private property using clear numbers, zero pressure, and step by step planning. His approach puts suitability before size, focuses on debt control and long-term value, and aligns with Islamic financial ethics.
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