Is your retirement money halal?

Start with where it sits. For most people that is a fund the plan picked for them.

Three places it can sit.

Inside your plan

The default fund

What to do: ask for a brokerage account →

Inside your plan, if it has one

A brokerage window

What to hold: example mixes by risk →

When you leave, or on top

Holding one for years.

$100 in the halal S&P 500 fund and $100 in a halal semiconductor fund. Pick a window; every window ends on the same day. The shaded part is the semiconductor fund's worst fall along the way, from daily closes.

-33%$100

20252026

$210SMH, semiconductors$140SPUS, halal S&P 500

Since October 30, 2024: $210 in the semiconductor fund, $140 in the halal S&P 500. On the way, the semiconductor fund fell 33% between Jan 2025 and Apr 2025; the halal S&P 500 fell 23% at its worst.

What the return does not say. Both funds pass the halal screens we use; SPUS also has a Shariah board. NVDA alone is 19.1% of SMH and the top five holdings are 43.8%, so this is one industry, not a spread (October 30, 2026). Prices to October 30, 2026, dividends reinvested. Past results do not promise future ones.

This week

2 of 75 halal funds pass every chart check this week.

The table with Uptop, HQ score, yield and cost, and the one-year chart for each, is on This Week, updated every morning. No stock is rated Buy now; the model says Wait.

See this week's table

One email. Every Sunday.

Which halal funds pass, what changed since last Sunday, and the names worth a look. The fund note comes first.

Every rating is written down the day it is made and graded against SPUS in the weekly summary.