A Halal Investment Account — also called a Brokerage Account or Individual Investing Account

Invest in Shariah-screened stocks, ETFs, and portfolios with no contribution limits, no withdrawal restrictions, and always with your beliefs and values in mind..

No Contribution Limits

Unlike retirement accounts, there is no cap on how much capital you can invest annually, allowing you to build wealth at your own pace.

Withdrawal Flexibility

You can access 100% of your funds at any time for any purpose without facing IRS early-withdrawal penalties or age restrictions.

Diverse Objectives

Whether you are saving for a home down payment, launching a business, building a bridge fund for early retirement, or growing wealth toward a milestone like Hajj or your children's education, there are no restrictions on how or when you use your money.

A Halal Investment Account — also called a Brokerage Account or Individual Investing Account

Invest in Shariah-screened stocks, ETFs, and portfolios with no contribution limits, no withdrawal restrictions, and always with your beliefs and values in mind..

No Contribution Limits

Unlike retirement accounts, there is no cap on how much capital you can invest annually, allowing you to build wealth at your own pace.

Withdrawal Flexibility

You can access 100% of your funds at any time for any purpose without facing IRS early-withdrawal penalties or age restrictions.

Diverse Objectives

Whether you are saving for a home down payment, launching a business, building a bridge fund for early retirement, or growing wealth toward a milestone like Hajj or your children's education, there are no restrictions on how or when you use your money.

A Halal Investment Account — also called a Brokerage Account or Individual Investing Account

Invest in Shariah-screened stocks, ETFs, and portfolios with no contribution limits, no withdrawal restrictions, and always with your beliefs and values in mind..

No Contribution Limits

Unlike retirement accounts, there is no cap on how much capital you can invest annually, allowing you to build wealth at your own pace.

Withdrawal Flexibility

You can access 100% of your funds at any time for any purpose without facing IRS early-withdrawal penalties or age restrictions.

Diverse Objectives

Whether you are saving for a home down payment, launching a business, building a bridge fund for early retirement, or growing wealth toward a milestone like Hajj or your children's education, there are no restrictions on how or when you use your money.

Understanding the Individual Account

Who Is This Account For?

This account is a strong fit for Muslim investors in the US who want a flexible, Riba-free place to grow wealth outside of a retirement account — whether you are saving for a specific goal, have already maxed out your IRA, or simply want more control over when and how you access your money.

Short-Term Capital Gains

Investments sold for a profit after being held for less than one year are taxed at your ordinary income tax rate.

Long-Term Capital Gains

Investments held for more than one year before being sold qualify for preferential tax rates of 0%, 15%, or 20%, which are significantly lower than standard income tax brackets.

Tax Drag

Investors must report and pay taxes annually on any realized capital gains or dividends received during the calendar year.

No RMDs

The IRS never forces Required Minimum Distributions on this account type. You can hold your assets indefinitely and pass them on to your heirs.

Understanding the Individual Account

Who Is This Account For?

This account is a strong fit for Muslim investors in the US who want a flexible, Riba-free place to grow wealth outside of a retirement account — whether you are saving for a specific goal, have already maxed out your IRA, or simply want more control over when and how you access your money.

Short-Term Capital Gains

Investments sold for a profit after being held for less than one year are taxed at your ordinary income tax rate.

Long-Term Capital Gains

Investments held for more than one year before being sold qualify for preferential tax rates of 0%, 15%, or 20%, which are significantly lower than standard income tax brackets.

Tax Drag

Investors must report and pay taxes annually on any realized capital gains or dividends received during the calendar year.

No RMDs

The IRS never forces Required Minimum Distributions on this account type. You can hold your assets indefinitely and pass them on to your heirs.

Understanding the Individual Account

Who Is This Account For?

This account is a strong fit for Muslim investors in the US who want a flexible, Riba-free place to grow wealth outside of a retirement account — whether you are saving for a specific goal, have already maxed out your IRA, or simply want more control over when and how you access your money.

Short-Term Capital Gains

Investments sold for a profit after being held for less than one year are taxed at your ordinary income tax rate.

Long-Term Capital Gains

Investments held for more than one year before being sold qualify for preferential tax rates of 0%, 15%, or 20%, which are significantly lower than standard income tax brackets.

Tax Drag

Investors must report and pay taxes annually on any realized capital gains or dividends received during the calendar year.

No RMDs

The IRS never forces Required Minimum Distributions on this account type. You can hold your assets indefinitely and pass them on to your heirs.

Investment Account vs. Roth IRA

Feature
Investment Account
Roth IRA
Feature
Investment Account
Roth IRA
Main Purpose

Any goal — short, mid, or long-term

Retirement savings

Main Purpose

Any goal — short, mid, or long-term

Retirement savings

Annual Contribution Limit

None — invest as much as you want

$7,500 (under 50) / $8,600 (age 50+) for 2026

Annual Contribution Limit

None — invest as much as you want

$7,500 (under 50) / $8,600 (age 50+) for 2026

Income Eligibility

None — available to all income levels

Restricted — phases out for high earners

Income Eligibility

None — available to all income levels

Restricted — phases out for high earners

Tax on Growth

Taxed annually on realized gains and dividends

100% tax-free

Tax on Growth

Taxed annually on realized gains and dividends

100% tax-free

Tax on Withdrawals

Tax-free on principal — capital gains tax on profits

100% tax-free on qualified distributions

Tax on Withdrawals

Tax-free on principal — capital gains tax on profits

100% tax-free on qualified distributions

Withdrawal Penalties

None — withdraw any amount at any age

10% penalty on early withdrawal of earnings before age 59½

Withdrawal Penalties

None — withdraw any amount at any age

10% penalty on early withdrawal of earnings before age 59½

Required Minimum Distributions

None — hold assets for life

None — hold assets for life

Required Minimum Distributions

None — hold assets for life

None — hold assets for life

Shariah Compliance

Depends on provider

Depends on provider

Shariah Compliance

Depends on provider

Depends on provider

Open a Halal Investment Account

Align your savings with your values

Start investing the halal way—anytime, anywhere. Access your portfolio, track performance, and build your wealth with confidence.

Download on the

App Store

GET IT ON

Dashboard

Align your savings with your values

Start investing the halal way—anytime, anywhere. Access your portfolio, track performance, and build your wealth with confidence.

Download on the

App Store

GET IT ON

Dashboard

Align your savings with your values

Start investing the halal way—anytime, anywhere. Access your portfolio, track performance, and build your wealth with confidence.

Download on the

App Store

GET IT ON

Dashboard

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