Faith-Based · Values-Aligned Investing

Invest in line with your faith.

A portfolio can reflect what you believe without giving up diversification or low costs. We build values-aligned strategies for Christian, Muslim, and Jewish investors — negative screens for what conflicts with your faith, positive tilts toward what aligns. Choose your tradition below.

Reading time 7 min Approach Screens + tilts Updated June 2026

A calm, intentional setting evoking values-based investing. — Investing with intention

The Approach

Your values, without sacrificing the portfolio.

Faith-based investing isn’t about lower returns or a short list of “approved” stocks. It is two disciplined tools laid over a low-cost, diversified core: a negative screen that removes what conflicts with your beliefs, and a positive tilt toward what aligns. We implement it with screened funds and a custom overlay, reviewed against the principles of your tradition.

Tool One

Negative screens

Exclude the industries and practices your faith asks you to avoid — defined precisely, not with a generic “ESG” label that may not match your conscience.

Tool Two

Positive tilts

Lean toward companies and instruments consistent with your values, and pair the portfolio with structured charitable giving (zakat, tzedakah, tithing) where it applies.

Traditions served

Christian, Islamic, and Jewish frameworks — plus custom convictions.

Long-run gap vs market

~1–2%

Typical tracking difference of a well-built screen; the alignment is real, the cost modest.

Screened-fund cost

0.20–0.75%

Representative expense range for faith-screened funds.

Built to

You

Your specific convictions and level of observance.

A screen is only useful if it matches your conscience — not a generic label someone else wrote.

We are financial advisors, not religious authorities. We build the portfolio to the standard you set — ideally alongside your pastor, imam, rabbi, or scholar — and we document exactly what is screened and why. This page is educational, not a religious ruling or investment recommendation.

Christian · Biblically Responsible Investing

Stewardship, screened.

Biblically Responsible Investing (BRI) treats a portfolio as stewardship of what you’ve been entrusted with — aligning your capital with biblical values rather than against them. It is a distinct discipline from generic ESG, which can screen for very different things.

What a BRI screen typically removes

Abortion and abortifacients, pornography and the adult industry, predatory lending, gambling, and tobacco — and, depending on your convictions, alcohol or cannabis. The goal is to avoid profiting from what your faith opposes.

And what it leans toward

Companies that treat employees, customers, and communities well — the positive side of stewardship.

Fund family	Approach	Note
Inspire (BIBL, BLES)	Biblically responsible ETFs	Rules-based faith screen
Timothy Plan	Pioneer BRI fund family	Long-standing values screens
Eventide	Values + business-quality lens	“Investing that makes the world rejoice”
GuideStone	Faith-based institutional funds	Christian-values mandate

Representative fund families, not recommendations. We can match a specific denomination’s convictions and blend BRI funds with a low-cost core so you keep diversification. BRI is not the same as ESG — we confirm the screen actually reflects biblical values, line by line.

Islamic · Halal / Sharia-Compliant

Halal by construction.

Sharia-compliant investing rests on a few firm principles: no riba (interest), no gharar (excessive uncertainty or speculation), and no income from haram industries — alcohol, pork, gambling, conventional banking and insurance, adult content, and weapons. A halal portfolio is built to pass these tests, not screened as an afterthought.

Debt screen

<33%

Total debt to market cap (AAOIFI-style threshold).

Interest income

<5%

Of total revenue — impermissible income kept minimal.

Bonds

Sukuk

Asset-backed instruments instead of interest-bearing bonds.

Zakat

2.5%

We help calculate the annual zakat on qualifying assets.

How we build it

Sharia-screened equities, sukuk in place of conventional bonds, gold and real assets for ballast, and dividend purification — cleansing the small impermissible portion of income by directing it to charity. Where a fund carries a Sharia board, we note its certification.

Vehicle	Exposure	Note
SP Funds — SPUS	Sharia-compliant US equity	Screened S&P 500-style
SP Funds — SPSK	Sukuk (Islamic “bonds”)	Income without riba
Wahed — HLAL	Halal global equity	Sharia-board certified
Amana (Saturna)	Halal mutual funds	Long-running family

We already run dedicated Halal model portfolios — see Model Portfolios. Representative vehicles, not recommendations; final compliance is confirmed against your scholar’s guidance and a fund’s Sharia board.

Jewish · Values-Based Investing

Tzedek and stewardship.

Jewish values-based investing draws on tzedek (justice), the duty to avoid causing harm, and support for community and Israel. The exact application varies by observance — we tailor it to yours.

What it commonly includes

Screening industries that conflict with Jewish values; an awareness of companies that boycott Israel and a tilt toward supporting it; and, for many families, State of Israel Bonds as a core holding.

Two structures worth knowing

Heter iska. Where the halachic concern about ribbit (interest) applies, interest-bearing arrangements can be structured as a permitted profit-sharing partnership. Maaser / tzedakah. We pair the portfolio with structured giving — a donor-advised fund or a tithe — so charity is planned, not improvised.

Vehicle	Role	Note
State of Israel Bonds	Core income / support	Direct investment in Israel
JLens values screens	Jewish-values overlay	Advocacy + screening
Broad index core + overlay	Diversified base	Low cost, then screened

Representative approaches, not recommendations. We build to your level of observance and, where it matters, alongside your rabbi — including heter iska structures where halachically relevant.

Book a values-aligned portfolio review.

Tell us your tradition and how you practice it. We’ll show you a diversified portfolio built to your convictions — the screens, the funds, the giving plan — and what (if anything) it costs versus an unscreened version.

Book a 20-minute review

Already invest with your values? Bring your statement and we’ll audit it for hidden conflicts and fees.