Invest with Confidence. Honor Your Faith.
A step-by-step halal investment portfolio guide for U.S. Muslim investors. Build a Shariah-compliant ETF portfolio with 4 model allocations, ETF research, and practical guidance for Roth IRAs, 401(k)s, purification, and Zakat.
What’s inside
Everything you need to build
a complete halal portfolio
No prior investing experience required. No confusing jargon. Just a clear halal investing system for American Muslims who want long-term growth without compromising their values.
Shariah Foundations Explained
Understand Riba, Gharar, Maysir, and the AAOIFI financial filters in plain English — so you can confidently evaluate any investment.
Complete Halal ETF Guide
Deep-dives on the main halal ETFs covered in the guide, including SPUS, HLAL, MNZL, SPSK, SPTE, IGDA, UMMA, and SPRE.
Risk Profile Questionnaire
Answer 2 questions and discover your investor profile — Conservative, Balanced, Growth, or Aggressive Growth. No guessing required.
4 Ready-to-Use Portfolios
Exact allocations, tickers, and rationale for each risk profile. Simply open a brokerage account and follow the blueprint.
U.S. Retirement Account Guide
Learn how halal ETFs can fit inside a Roth IRA, Traditional IRA, taxable account, or available 401(k) options, with a simple prioritization framework.
Purification & Zakat Framework
A practical approach to purification, Zakat, and annual portfolio maintenance so you know how to manage your halal investments over time.
The Portfolios
Four portfolios. One for every
investor profile.
Whether you are just starting out or aggressively building long-term wealth, there is a halal ETF portfolio designed for your time horizon and risk tolerance.
Conservative
For investors with a 1–5 year horizon
Balanced
For investors with a 3–7 year horizon
Growth
For investors with a 7–10 year horizon
Aggressive Growth
For investors with 10+ year horizon
Shariah Foundations
Your faith and your finances,
finally aligned.
The guide explains halal investing principles in plain English so you understand why each portfolio is Shariah-conscious and how to apply the framework confidently.
No Riba (Interest)
Traditional bonds, CDs, and savings accounts are excluded. Sukuk — backed by real assets — replace them as the halal fixed-income alternative.
No Gharar (Speculation)
No options, no margin, no leverage. Long-term investing in transparent, asset-backed instruments only.
Sector Screening (AAOIFI)
All ETFs exclude alcohol, gambling, tobacco, pork, conventional banking, and weapons — verified by independent Shariah boards quarterly.
Financial Ratio Filters
Every company must pass strict debt-to-asset (max 33%) and interest income (max 5%) filters before entering the fund. You’ll understand exactly why each ETF qualifies.
Purification Made Simple
We explain purification ratios for each ETF in the guide. For most funds, this is less than 1% of your dividends — a few dollars donated to charity each year.
Zakat Framework Included
A complete method for calculating your Zakat on ETF investments, including recommended apps and tools that automate the process.
The ETFs
8 Shariah-certified ETFs,
fully analyzed.
The guide highlights the main halal ETFs used in U.S. portfolio construction and explains where each one fits inside a diversified halal investing strategy.
| Ticker | Fund Name | Asset Class | Expense Ratio | Role in Portfolio |
|---|---|---|---|---|
| SPUS | SP Funds S&P 500 Shariah ETF | U.S. Equity | 0.45% | Core holding — $2.1B AUM, largest U.S. halal ETF |
| MNZL | Manzil Russell Halal USA ETF | U.S. Equity | 0.40% | Broadest coverage (~450 stocks), lowest fees |
| HLAL | Wahed FTSE USA Shariah ETF | U.S. Equity | 0.50% | Large & mid-cap via FTSE methodology |
| SPSK | SP Funds Global Sukuk ETF | Fixed Income | 0.79% | Only U.S.-listed Sukuk ETF — portfolio stabilizer |
| SPTE | SP Funds Global Technology ETF | Sector / Tech | 0.49% | Satellite position — returned 26.37% in 2025 |
| IGDA | iShares MSCI World Islamic ETF | Global Equity | 0.40% | 1,500+ stocks — broadest global diversification |
| UMMA | Wahed Dow Jones Islamic World ETF | Global ex-U.S. Equity | 0.65% | International diversification beyond U.S. stocks |
| SPRE | SP Funds S&P Real Estate ETF | Real Estate | 0.55% | Shariah-compliant REIT exposure |
Reader Reviews
Muslims across the U.S.
finally investing.
Designed for Muslims in the United States who want a simple and practical way to start halal investing with ETFs.
“I’ve been wanting to invest for years but was paralyzed by the fear of doing something haram. This guide gave me the exact ETFs, the exact allocations, and the exact steps. I opened my Roth IRA within a week.”
“The purification and Zakat section alone was worth the price. I had no idea how to handle that. Now I have a system. The ETF cards are incredibly clear — I finally understand what I’m actually owning.”
“As a finance professional I was skeptical. But this guide is genuinely well-researched. The SPUS performance data is accurate, the AAOIFI explanations are correct, and the portfolio logic is sound. Highly recommend.”
Full Table of Contents
10 chapters. Zero fluff.
Built for action.
Foundations of Halal Investing
Riba, Gharar, Maysir, AAOIFI filters, purificationThe U.S. Halal ETF Landscape
All 8 funds, fund cards, AUM, expense ratios, Shariah boardsYour Risk Profile Questionnaire
2 questions, 4 profiles, comparison tableConservative Portfolio (30/70)
Exact allocations, rationale, expected returnsBalanced Portfolio (60/40)
The most popular risk profile for most investorsGrowth Portfolio (80/20)
For 7-10 year time horizonsAggressive Growth (100% Stocks)
Maximum long-term wealth buildingBrokerages & Tax-Advantaged Accounts
Roth IRA, 401(k), IRA, contribution limits 2026Purification, Zakat & Maintenance
Annual checklist, Zakat calculator tools, purification ratiosFrequently Asked Questions
401k without halal options, gold, crypto, robo-advisorsCommon Questions
Still have questions?
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Everything you need in one clear halal investing guide. One payment. Instant download. Lifetime access.