بِسْمِ اللَّهِ الرَّحْمَنِ الرَّحِيمِ
الرَّحْمَـٰنِ
الرَّحِيمِ
الْمَلِكِ
الْقُدُّوسِ
السَّلَامِ
1446 - رَمَضَان الْمُعَظَّم
الْمُؤْمِنِ
الْمُهَيْمِنِ
الْعَزِيزِ
الْجَبَّارُ
الْمُتَكَبِّرُ
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Fajr
05:00 AM
✓
Asr
04:45 PM
Maghrib
06:13 PM
Isha
08:15 PM
Jumu'ah
01:00 PM
Zakat on Investments
زكاة الأسهم
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Zakat on Investments refers to the obligatory charity due on various investment vehicles, calculated according to Shariah principles that differ from simple cash calculations. Investments may include stocks, bonds (if Shariah-compliant), mutual funds, real estate properties held for investment, retirement accounts, and business partnerships. The key principle is that zakat becomes due when the investment value reaches the minimum threshold (nisab) and one lunar year (hawl) passes while ownership continues. Calculating zakat on investments involves determining which assets are subject to zakat and their accurate valuation. For stocks, scholars generally consider two methods: calculating zakat on the shares' market value plus dividends, or calculating based on the company's zakatable assets proportionately. Real estate held for rental income requires zakat on the rental income after deducting expenses, not on the property's capital value (unless intended for resale). Retirement accounts present unique challenges regarding accessibility and timing. Many contemporary scholars advise calculating zakat annually based on the total investable assets, paying 2.5% of the portfolio's value, regardless of whether gains are realized. Others distinguish between assets for trading (zakatable) and assets for growth (zakat on profits only). Muslims should consult knowledgeable scholars for their specific situations, as sincere intention to fulfill zakat obligations must combine with correct calculation. Zakat on investments ensures that wealth-even when invested and growing-remains purified and contributes to community welfare, reflecting Islam's comprehensive economic justice system.
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