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: a negative screen for what conflicts with your faith, a positive tilt toward what aligns, and a diversified low-cost core underneath both. We run dedicated Halal mandates in the model portfolios today — this page explains how each tradition’s framework is actually constructed. Choose yours below.

By Sean Anees Saifi · Capital Wealth · Screens + tilts over a diversified core

Light falling through latticed windows across the stone floor of a quiet sanctuary

Capital Wealth · Investing With Intention

Your values, without sacrificing the portfolio.

Key Takeaways

Two tools over a diversified core: a negative screen for what conflicts with your faith and a positive tilt toward what aligns — defined to your convictions, not a generic ESG label.
The cost of alignment is modest. A well-built screen typically tracks the market within about 1–2% long run, with screened funds running 0.20–0.75% in expenses.
Halal is built to hard thresholds — debt under 33% of market cap, interest income under 5% of revenue, sukuk in place of bonds, and a 2.5% annual zakat calculation.
Christian BRI is not the same as ESG. We confirm the screen reflects biblical values line by line across families like Inspire, Timothy Plan, Eventide, and GuideStone.
Jewish values portfolios have their own structures — State of Israel Bonds, a JLens-style overlay, heter iska where ribbit concerns apply, and planned maaser/tzedakah giving.

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 — paired, where it applies, with structured charitable giving (zakat, tzedakah, tithing). We implement it with screened funds and a custom overlay, reviewed against the principles of your tradition.

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.

Traditions Served

Three — Christian, Islamic, and Jewish frameworks, plus custom convictions. Built to your specific level of observance, not a template.

Long-Run Gap

~1–2% — the typical tracking difference of a well-built screen versus the unscreened market. The alignment is real; the cost is modest.

Screened-Fund Cost

0.20–0.75% — the representative expense range for faith-screened funds, kept in check by the low-cost core underneath.

Live Today

Halal mandates already run inside our model portfolios — this is practiced discipline here, not a brochure page.

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.

The three tabs above hold the specifics for each tradition: what a screen removes, what the portfolio leans toward, the representative fund families, and the structures particular to each framework. Everything sits on the same diversified base, so choosing alignment never means abandoning the discipline of the core.

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. The hard thresholds: total debt under 33% of market cap (the AAOIFI-style screen), interest income under 5% of total revenue, sukuk — asset-backed instruments — in place of interest-bearing bonds, and an annual 2.5% zakat calculation on qualifying assets, which we help run.

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.

The Takeaway

Every framework on this page is the same discipline wearing different convictions: a precise screen you actually agree with, a tilt toward what you want your capital doing, and a diversified core that keeps the portfolio a portfolio. This page is educational — not a religious ruling, and not an investment recommendation.

Where this fits Bubble Map: Retirement· POLARIS: Step 4 · Align Framework

POLARIS · Step 1 · Personal Approach

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

Begin step one — book the review → See the Halal model portfolios →

We are financial advisors, not religious authorities; final religious compliance rests with your pastor, imam, rabbi, or scholar and, where applicable, a fund’s Sharia board. Tickers and fund families illustrate the categories discussed and are not recommendations. All analysis is for informational purposes only and does not constitute investment advice. Consult a licensed financial advisor before making investment decisions. Disclosures · Privacy