Build Your Own
Halal Investment Strategy.
A free research platform to explore halal ETFs, build your portfolio, and plan for your financial future.
What is HalalFolio?
Watch the 2-minute intro below.
2 minute overview of what HalalFolio offers
Explore Halal ETFs
Browse certified ETFs
Model Portfolios
Start from templates
Build Portfolios
Create custom allocations
See Projections
Model future outcomes
Check BDS Exposure
See flagged holdings
Share Strategies
Export & share your plan
Investing is simply saving for the long term.But for Canadian Muslims, the path is full of traps.
Cash Trap
Ideally, we would just keep our money in a safe. But we live in an inflationary world. The cash you save today will buy significantly less in 20 years.
At 2.5% average inflation, $10,000 saved today typically has the purchasing power of only ~$6,000 in 20 years. Saving in cash is losing value safely.
Other Common Traps
To preserve purchasing power, we must exchange cash for assets that grow.
But most common methods are inefficient or impermissible.
Real Estate Trap
The traditional favorite. Tangible, but heavy.
- × High barrier to entry ($$$)
- × Illiquid (Hard to sell fast)
- × Single asset risk
Bank Trap
Mutual funds sold by Canadian banks. Expensive and often unethical.
- × High Fees (2%+ MER)
- × Underperform the market
- × Usually NOT Halal
Stock Picking Trap
Trying to "beat the market" by picking winning stocks yourself.
- × Statistically inefficient
- × High stress & effort
- × Gambling-like behavior
What is a HalalFolio?
A halal ETF bundles hundreds of Shariah-compliant stocks into one investment you can buy with a single click. Instead of picking stocks one by one, you own the market.
Your HalalFolio is a personalized mix of these ETFs, tailored to your goal and timeline.
The Passive Advantage
With HalalFolio, you build a passive portfolio of diversified ETFs.
Instead of trying to find the needle (the one winning stock), you buy the haystack (diversified funds across asset classes).
Low Cost
Keep the returns. ETFs typically cost 1/4th of mutual funds.
Halal Certified
Build from globally recognized shari'ah-compliant ETFs
Cost of Fees over 25 Years
You lose ~40% of potential gains to fees.
You keep ~90% of your growth.
*Illustration based on a $50k investment growing at 7% gross annual return. High fees compound negatively, significantly eroding long-term wealth.
More Than Just The Market
HalalFolio helps you explore sukuk, gold, real estate, and more. You can build a diversified portfolio across asset classes.
Sukuk (Fixed Income)
The Islamic equivalent of bonds. Sukuk provide stability and regular income without Riba (interest), essential for shorter-term goals.
Global Equities
Ownership in the world's best companies (e.g. Apple, Tesla). This is the engine for long-term growth, fully screened for compliance.
Real Assets
Physical Gold and Real Estate Investment Trusts (REITs). Hard assets that historically protect purchasing power against inflation.
Digital Assets
Regulated access to Bitcoin and Ethereum. High-growth potential assets available directly within your diversified strategy.
Plan for an Unpredictable Future
HalalFolio uses Modern Portfolio Theory (MPT), a Nobel Prize-winning framework, to help you understand how different asset mixes might perform.You see the tradeoffs. You make the call.
Uncertainty Cone
The cone shows the range of possible outcomes based on your inputs. Wider cone = more uncertainty. You decide what level of risk you're comfortable with.
The Horizon
Projected Wealth
Some Halal ETFs Miss
The BDS List.
Many Shariah-compliant funds hold companies that are active targets of the BDS (Boycott, Divestment, Sanctions) movement, though in varying degrees.
HalalFolio shows you the BDS exposure in each ETF. You choose funds that align with your values.
Ready to build your strategy?
In 2 minutes, you can see what a halal portfolio for your goals might look like.