Hello,

I’m 18, UK-based and looking to invest long-term, aiming to max out my £20k Stocks & Shares ISA allowance each year.

My proposed Trading 212 pie:

• 70% iShares MSCI World Islamic
• 15% HSBC MSCI Emerging Markets Islamic
• 10% iShares Physical Gold
• 5% AMD (and or other individual stocks, their total being 5%)

Planning to invest £10k initially, then drip-feed the remaining allowance before April.

Thoughts on this allocation? Would you change anything for better diversification or long-term growth while remaining Sharia-compliant?

Looking for any advice and tips. I’m happy for people to recommend a different pie etc.

Im using Trading212.

Jazakallah Khayr

Gift link included.

Salam. An updated list of some of the most popular financial platforms for retail investors that are headquartered in Israel and pay taxes there, or that were founded by Israelis or are owned by Israelis (and pay taxes there).

***Disclaimer: Some of the companies listed have not issued public statements either supporting or opposing the Israeli regime, but they necessarily pay taxes there and therefore contribute financially to the genocide.

Payoneer: Founded by Yuval Tal, who served in the IDF and lives near Tel Aviv. Its main engineering and operations headquarters is in Petah Tikva. https://www.payoneer.com/

Seeking Alpha: Founded by David Jackson, who currently lives in Israel. Its central development and operations team is based in Raanana. https://seekingalpha.com/

Finbox: A web application for financial information and market analysis services, specializing in global stocks. On its main website, it states that its headquarters are in Tel Aviv. https://finbox.com/

The5ers: It is a proprietary trading firm originally founded and headquartered in Kfar Saba. Founded in 2016 by Gil Ben Hur. https://the5ers.com/

TradeThePool: A proprietary trading firm for spot stocks and ETFs. Its headquarters are located in Ra'anana. It is operated by Five Percent Online Ltd., which also operates The5ers. https://tradethepool.com/

AvaTrade: It is a global CFD broker regulated in Israel by the Reshut Niarot Érej (Israel Securities Authority). Its headquarters are located in the Herzliya Technology Park. Since 2025, it has been controlled by Zvika Barinboim. https://www.avatrade.com/

Plus500: Founded in 2008 in Tel Aviv by Alon Gonen, Gal Haber, Elad Ben Yitzhak, Omer Elazari, Shlomi Weizman, and Shimon Sofer after they graduated from the Technion. Its headquarters are in Haifa. https://www.plus500.com/en/

eToro: A global broker specializing in social trading of spot stocks and ETFs, as well as financial derivatives such as CFDs. Its three founders are Israeli: Yoni Assia, Ronen Assia, and David Ring. Its headquarters are in Bnei Brak. https://www.etoro.com/

Bookmap: The company that developed the most popular tool among retail day traders was founded in 2015 and is headquartered in Kfar Saba, with global operations and a presence that also extends to Israel. Its founder is Tsachi Galanos. https://bookmap.com/en

Myfxbook: Based and regulated in Israel. Its headquarters are located in Ashkelon. Its terms and conditions specify that use of the website is governed by the laws of the “State” of Israel and that any dispute shall be litigated exclusively in the courts of that country. https://www.myfxbook.com/

SignalStart: It is a popular tool developed by Myfxbook for selling algorithmic trading signals. https://www.signalstart.com/

Marketlog: It is a tool developed by Myfxbook exclusively to track investment portfolios with popular brokers, either to publish them or to follow them. https://www.marketlog.com/

PayBackFX: Developed by Myfxbook, it is a popular website that connects to CFD brokers to earn rebates. https://www.paybackfx.com/

iFOREX: Founded in 1996, it is a global brokerage firm based in Herzliya, whose CEO is Itai Sadeh, who is also Israeli. https://www.iforex.com/

Leverate: Founded in 2008 and headquartered in Bnei Brak. The company is a software provider for CFD and FOREX brokers and proprietary trading firms. https://leverate.com/

Rapyd: Founded in Tel Aviv in 2016, it is a digital payments fintech company. In 2023, it acquired the popular payments company PayU GPO. https://www.rapyd.net/

Lemonade: It was founded in 2015 in Tel Aviv by Israeli entrepreneurs Shai Wininger and Daniel Schreiber. Although it is not its headquarters, it has offices in Israel. https://www.lemonade.com/

Tipalti: It is a multinational fintech company with roots in the United States and Israel. It was co-founded by Chen Amit of Israel, and although its headquarters are in Foster City, California, its Tel Aviv office is the largest globally. https://tipalti.com/

Melio: A payment services company founded in 2018 in Tel Aviv by Matan Bar, Ilan Atias, and Ziv Paz. Its operational headquarters and development team are based in Israel, although its services are geared toward the U.S. market. https://melio.com/

Pagaya Technologies: Credit rating agency. Its technology and research center is located in Tel Aviv. Although it operates in Israel, its target market is in the United States. https://pagaya.com/

OurCrowd: It is a global equity crowdfunding platform and is considered one of Israel's most active and high-profile venture capital funds. It operates out of Jerusalem and holds stakes in SpaceX, Anthropic, Databricks, xAI, Cerebras Systems, Groq, Scale AI, and Perplexity. https://www.ourcrowd.com/

Panda Trading Systems: It is an Israeli B2B software and technology development company headquartered in Haifa. It develops white-label solutions for Forex and CFD brokerage firms, including CRM, trading servers, and web tools. https://pandats.com/

Assalamu alaikum,

Inflation makes long-term interest-free loans (qard hasan) difficult to sustain. Many Shariah-compliant alternatives are more expensive and complicated than conventional loans.

I’ve been thinking about potential alternatives and would appreciate feedback on the Shariah compatability.

Proposed structure:

1. A loan of 150,000 is agreed upon.
   
2. The lender initially disburses 75,000.
   
3. The borrower repays 150,000 over 8 years.
   
4. After repayment, both parties wait another 4 years.
   
5. The lender then returns 75,000 to the borrower.

The contract could also be structured as two loans: the bank lends the customer 75,000 interest-free, and the customer agrees to lend the bank 75,000 at the end of the repayment term. The bank returns that amount after an agreed waiting period (4 years).

The idea:
By adjusting the waiting period, the bank can invest the funds for longer, potentially offsetting different inflation rates across countries. The bank could generate returns through halal investments (e.g., around 9% (very conservative)), while customers receive interest-free financing.

Example:
A bank starts with 750,000 and provides 75,000 to each of 10 customers. In an illustrative 12-year simulation, investing the repayments produced:
● Strong market: 3.7 million vs. 3.6 million from investing the entire amount upfront.
● Weak/volatile market: 1.1 million vs. 0.8 million, respectively.
These figures are illustrative, not guaranteed returns.

Questions:
● Is the waiting period after repayment a Shariah concern? Or does the agreement become to complicated
● Have scholars discussed anything similar?
Jazakum Allahu khairan for your insights.

It’s been a month since I lent a family member for 1k+ and ever since then he has been making excuses and ignoring me when I asked for certain portion back.

He was the one who originally reached out to me because he needed help with rent and bills, he said he would pay me back slowly but is barely making an effort.

What should I do, Im at point where I hate him and I regret giving him the money.

NOTE:

This is someone who completed Ummrah couple years back.

Binance just announced “Qafila 2026”, $1M in USDC vouchers across several tasks. The name and theme feel aimed at Muslim-majority regions (I haven’t confirmed the exact country list).

What bothered me is what the tasks involve: a first-trade reward where futures volume counts, a TradFi perpetuals reward, a futures trading competition ranked by ROI, a referral leaderboard, and a Flexible Earn task.

From what I’ve read, many scholars advise staying away from futures and margin, and Earn is debated. Binance has a separate certified “Sharia Earn,” which suggests the regular one isn’t automatically compliant.

Genuine questions:

1. Is a first spot trade just for the reward fine, or does the reward structure itself change things?
2. Does Flexible Earn count as riba?
3. Is it wrong to take referral rewards when the tasks push people toward futures?
4. Is it a concern that this kind of campaign targets Muslim-majority markets, where people may trust the branding?

I’m not looking for a fatwa, just how others are thinking about it.

Asslam Allikum yall.

There are two opinions when it comes to purification and i choose to not apply it in any of my finances. I'm staying away from all stocks that say they use the purification concept, but with Sukuk it's much more difficult to know if they also apply purification. (usually they just say this Sukuk is sharia compliant without saying what's going on under the term)

i'd appreciate any answers or leads. thanks

thanks

Hi everyone,
I’m a 24-year-old Muslim international student living in Melbourne, Australia.
I can invest around A$2,000 per month and want to build long-term wealth through halal investments, income-generating assets, and passive income.
I’m not limiting myself to stocks or ETFs. I’m also interested in physical assets, property, small businesses, and other Shariah-compliant opportunities.

My questions:
How would you invest A$2,000 monthly in my situation?
Which halal assets would you prioritise?
What are some realistic ways to generate halal passive income?
Would you invest in Australia or overseas?
What mistakes should beginners avoid?
Are there any tax or visa considerations for international students?
I’d appreciate practical advice, especially from Muslims who have successfully built wealth through halal investments or asset ownership.
If you were starting from scratch today, what would your strategy be?
Thanks!

I’m a financial engineering grad student at Stevens, looking at how Muslim savers think about Bitcoin for a project. Many people I’ve spoken with don’t own any.

Is it the religious question, the price swings, not trusting where to buy it, or a reason I haven’t thought of?

If you’ve decided against it, or decided for it, I’d really like to hear your reasoning.

With the ongoing issues with palantair investing into the Isreal military am I affected with my two etfs? When I search there is no sign of them?

I have a concept I want to explore that is different from the current offerings.

Pros:

- not based on traditional shared ownership/Lease to Buy

- bypasses the funding/capital bottleneck

- has the potential to be scaled beyond the Muslim audience

Cons:

- requires navigating complex legal frameworks

Comment or dm if you're interested.

Hi everyone,

I am planning to refinance my current mortgage from a traditional lender to StrideUp using their Islamic home finance product.

I understand that they use a panel of approved solicitors. Has anyone completed a refinance or home purchase with StrideUp recently?

I would appreciate any feedback on:

• Your overall experience with StrideUp
• The application and underwriting process
• How efficient their solicitor panel was
• Any delays or issues you encountered
• Anything you wish you had known before starting the process

Thanks in advance for sharing your experiences.

Hey everyone, I'm in my early 20s and still studying, and I want to start saving and investing but don't know where to begin. I'm Muslim, so I need options that are Sharia-compliant (no interest/riba, no haram industries).

Questions:

1. What should I do first, build an emergency fund or start investing right away?

2. Which accounts, platforms, or funds in SA are Sharia-compliant and student-friendly?

3.How do you check that something is actually halal, and not just marketed that way?

4.Any beginner mistakes I should avoid?

Thanks in advance!

Salam. Can anyone share their experiences with Manzil. How was the buying and closing process? Has anyone made extra payments or pay off the mortgage with them? How did that go?

We were pretty set on going with them but I saw a post here a while ago from someone who had a terrible experience while closing a house with them, so now I'm unsure. That post and account has since been deleted so I'm assuming their issue was resolved. But would still appreciate more feedback.

If anyone from Manzil can comment on that issue, that would be great too.

Selamaleykum wa rahmatullahi wa barakatuh,

I want to apologize in advance for my poor Grammer. I'm from Germany and my Englisch is rusty.

I'm 36 M and took a loan and since then my life is not the same anymore. I want to fix it by asking if there is any option for a halal loan? Or a privat person, I can lend and pay this one?

Currently it's a balance of - 11.605, 97€

I tried my best to pay it ASAP, but it will take me a while and in that time only Allah Subhanu wa Ta'ala knows mucu I have to endure.

You may insult me or think bad of me, but I care about you so don't do it. I don't want you get a Sin because of me.

I have no relatives who can or would lend me, not because they hate me, but cut ties with my family. Neither can my siblings help nor my parents. None of them have the capacity.

If I have posted in the wrong group, or made a blunder, I apologize, it's my first post.

JazakAllahu Khayran.

May Allah Azza wa jal forgive us and protect us all.

What are the ways to increase wealth in the UK as a single person?

Would you buy a house and is there a halal way for it? Or invest elsewhere?

AoA, After reading through various posts in this community, I'm coming to a conclusion that there's no halal conventional lender in Canada. I'm trying to buy a house in Manitoba province, only Assiniboine Credit Union offers here but that looks like a conventional mortgage as well. Is there any muslim family or halal business who supports other muslims to give them a halal loan? I apologize if its a stupid question, I've been away from these aspects of Islam and now I want to do the right thing. Thank you

Assalamualaikum wr wb

Dear Everyone

Looking for advise, dos and donts, what to look out for etc,

I have a plot under my name bought with cash, getting offers of USD 4.15M (bought for approx. 2M USD)

Location is good, all drawings and approvals are ready, just need to mobilize the site

Estimated construction cost is around USD 5.5M

I want to retain the full ownership rather than going for JVs or partners

Expected rental is about 600K USD per annum

JazakAllahukhair

Edit: planning to go for shariah compliant loans

Assalamu alaikum brothers,

I’m based in France and investing through Interactive Brokers (IBKR). I’m currently hesitating between these ETFs:

1. HIWS - HSBC MSCI World Islamic Screened ISIN: IE000X9FTI22
2. ISWD - iShares MSCI World Islamic ISIN: IE00B27YCN58
3. HIES - HSBC MSCI Emerging Markets Islamic Screened Capped UCITS ETF USD (Acc) ISIN: IE0009BC6K22
4. ISDE - iShares MSCI Emerging Markets Islamic ISIN: IE00B27YCP72

Unfortunately, SPUS, SPWO and SPTE aren’t available to me on IBKR, so I’m looking for the best alternatives.

My goal is to build a diversified portfolio for the long term. I’d appreciate your thoughts.

For those investing from France or elsewhere in Europe, which combination would you choose for a long-term portfolio, and why?

I’d really appreciate hearing your experiences and advice, especially from brothers who have been investing in these ETFs for several years.

Guys please consider keeping your savings elsewhere. Even if you're not sure about an Islamic Bank , there are building societies in the UK that avoid these unethical practices

Assalamualaikum, I am an ACCA student and wanted to know whether Equity research associate/analyst and FP&A roles are permissible in Islam if the company is not a commercial bank or Alcohol/Gambling?

I am currently in my last year of university and i’m very behind on rent and in overdraft. My dad has fallen sick and i need urgently financial help. I honestly don’t know what to do anymore

The index provider updated the definitions for its "Cash Compliance" and "Leverage Compliance" ratios, while also bringing the maximum threshold from 33% down to 30%.

This is mostly technical jargon, attached PDF file is available on S&P official website if you want to read the thing first hand.

As a result, as of June 2026, on the 13,000+ companies studied by S&P Down Jones, the share of companies which successfully pass through this filter went down from ~54% to ~47%.

As a reminder, funds like SPUS, IGDA and HSBC ISLAMIC GLOBAL EQUITY track indexes provided by S&P Dow Jones.

Assalamualaikum everyone,

I’ve recently started to get into investing more and I’m trying to come up with a simple but diversified and of course halal group of ETFs to invest in.

As of right now, this is what I’m thinking:
- 55% SPUS
- 25% SPWO
- 10% SMH
- 10% BUG

I’d just love some thoughts or feedback as a new and young investor.

JazakAllah Khairen and thank you!